# Payy vs usdc.cool

The clearest difference is rating: usdc.cool at 5.0 against Payy's 4.1. Payy's advantage is update cadence (weekly vs every 3 months) and ratings volume (35 vs 3). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

usdc.cool holds the better App Store score, 5.0 against 4.1. That said, the two scores are not equally well evidenced: Payy has 35 ratings behind it against 3, so its average is the more settled of the two.

Payy ships an update weekly, usdc.cool every 3 months. The most recent releases landed on October 8, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | Payy | usdc.cool |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (35 ratings)](https://appshunter.io/ios/app/payy/id6474760518/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/usdccool/id6479308991/reviews)** |
| Number of ratings | **35** | 3 |
| Positive reviews | 65.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 3 months |
| Monetization | Free | Free |
| Size | 130 MB | 23 MB |
| Requires iOS | 15.5 | **15.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Polybase Labs](https://appshunter.io/developer/1722468125) | [Blendist LLC](https://appshunter.io/developer/442921357) |

## What reviewers say

### Payy

[App page](https://appshunter.io/ios/app/payy/id6474760518)

This app offers a global money transfer solution, enabling easy and private digital payments. Send stablecoins using payment links, and enjoy financial freedom without the risk of account suspension or freezing. A debit card is also available for spending.

**Highlights:** Send stablecoins with payment links, No account freezing or suspension, User-controlled funds, Payy Card for spending, Easy and private digital money

**Features:** Apple Wallet

**In-app purchases:** none


### usdc.cool

[App page](https://appshunter.io/ios/app/usdccool/id6479308991)

Track the total outstanding supply of USDC across numerous blockchains. View detailed charts and explore where USDC has been bridged, all from your mobile device. Supports both light and dark modes for a personalized experience.

**Highlights:** Track total USDC supply, View USDC across multiple chains, Explore bridged USDC locations, Detailed charting capabilities, Light and dark mode support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Payy free?

Payy is free to download, with no in-app purchases.

### Is usdc.cool free?

usdc.cool is free to download, with no in-app purchases.

### Which has better reviews, Payy or usdc.cool?

usdc.cool is rated higher. Payy averages 4.1 out of 5 from 35 ratings, while usdc.cool averages 5.0 from 3 ratings.

### Do Payy or usdc.cool have ads?

Neither Payy nor usdc.cool shows ads.

### Which is updated more often, Payy or usdc.cool?

Payy ships an update weekly, and usdc.cool every 3 months. Most recently, Payy was updated on October 8, 2026 and usdc.cool on September 23, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*