Payy vs Exa App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Payy
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.
- Send stablecoins with payment links
- No account freezing or suspension
- User-controlled funds
- Payy Card for spending
- Easy and private digital money
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Payy is the global money app for everyone. Other money apps have fees, limits and delays. Blockchains are clunky and unsafe. Payy is a new financial system built from the ground up to make digital money easy & private. • Send stablecoins with magical payment links — the receiver doesn’t even need to have Payy. • Never get debanked. Your account can never be frozen or suspended. Funds on Payy are controlled by you, not some bank. • Payy Card (limited availability) — spend stablecoins online or in shops, with unrivaled privacy.
Exa App
Unlock the potential of your cryptocurrency by earning daily yields, using a Visa-compatible card, and accessing instant fixed-rate funding. Get started quickly with a smart account and enjoy the future of finance.
- Earn daily crypto yields
- Visa-compatible card
- Instant fixed-rate funding
- Free travel insurance
- Fingerprint account access
- Quick identity verification
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Welcome to Exa - The app where you can unlock the full potential of your digital assets: • Earn daily yields automatically - your money never sleeps • Our Exa card - accepted everywhere Visa works • Get your USD bank account for free • Access instant fixed-rate funding in USDC - no paperwork, no surprises • Get free travel insurance for 30 days Get Started in Minutes: Create your smart account with just your fingerprint - no seed phrases to memorize Quick identity verification Fund your account and dive in Experience the future of banking today. Exa combines the best of traditional finance with web3 innovation, all wrapped in a seamless, secure package that just works.
Screenshots
Verdict
The clearest difference is rating: Exa App at 5.0 against Payy's 4.1. Exa App also leads on review sentiment (75% vs 65%). Payy's advantage is ratings volume (35 vs 4) and update cadence (weekly vs fortnightly). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Exa App 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 4, so its average is the more settled of the two. Written reviews point the same way: 65% of Payy's written reviews are positive against 75% of Exa App's.
Payy ships an update weekly, Exa App fortnightly. The most recent releases landed on October 16, 2026 and October 19, 2026 respectively.
| Parameter | Payy | Exa App |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (35 ratings) | 5.0 (4 ratings) — better |
| Positive reviews | 65.0% of reviews | 75.0% of reviews — better |
| Number of ratings | 35 — better | 4 |
| Update frequency | Weekly — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.5 | 15.1 — better |
| Further details — not scored | ||
| Size | 130 MB | 71 MB |
| Age rating | 4+ | 4+ |
| Developer | Polybase Labs | EXA app |
Customer experience
Payy
Exa App
In-app purchases
Payy
No in-app purchases
Exa App
No in-app purchases
