Payy vs ether.fi
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.
ether.fi
A DeFi-native credit card that allows you to earn crypto rewards on everyday spending. Enjoy flexible payment options, exclusive member perks, and robust security features, all while maintaining control of your digital assets.
- Earn up to 4% cashback in crypto
- Spend anywhere cards are accepted
- DeFi-native and non-custodial
- Add to Apple Wallet
- Exclusive member perks
- Top-level security features
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A smarter credit card that puts you in control. Skip the bank fees and spend your money anywhere cards are accepted. DeFi-native and non-custodial - You control your crypto, always Up to 3% cashback on all purchases Add your card to Apple Wallet Flexible spending options that work for you Members get MANY exclusive perks: No transaction fees 24/7 priority support Premium metal card options Luxury hotel and flight discounts Purchase and travel baggage insurance Visa lounge access and concierge Top level security: Easy, secure sign up with passkeys Bank-grade security audits Freeze and unfreeze your card in a tap Advanced wallet protection Come say hello! Twitter: https://x.com/ether_fi Discord: https://discord.gg/ether-fi *Availability of the products and services on the ether.fi Cash app and any given features of such products may be subject to jurisdictional limitations.
Screenshots
Verdict
The clearest difference is rating: ether.fi at 4.9 against Payy's 4.1. ether.fi also leads on review sentiment (90% vs 65%) and update cadence (every 3 days vs every 8 days). Payy's advantage is ads (none vs shown) and device support (3 vs 1). On price, 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.
ether.fi holds the better App Store score, 4.9 against 4.1. That said, the two scores are not equally well evidenced: ether.fi has 423 ratings behind it against 35, 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 90% of ether.fi's.
Payy ships an update every 8 days, ether.fi every 3 days. The most recent releases landed on October 25, 2026 and October 30, 2026 respectively.
| Parameter | Payy | ether.fi |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (35 ratings) | 4.9 (423 ratings) — better |
| Positive reviews | 65.0% of reviews | 90.4% of reviews — better |
| Number of ratings | 35 | 423 — better |
| Update frequency | Every 8 days | Every 3 days — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.5 — better | 17.0 |
| Further details — not scored | ||
| Size | 130 MB | 173 MB |
| Age rating | 4+ | 17+ |
| Developer | Polybase Labs | Ether.Fi SEZC |
Customer experience
Payy
ether.fi
Bugs and requests
Payy
Not enough reviews yet to summarise bugs or requests.
ether.fi
Reported bugs
4 issues- Withdrawal whitelist required
- Issues with adding funds (not receiving money)
- Referral bonus not credited
- Card activation issues
Requested features
5 requests- Add built-in staking option
- Display daily credited interest
- Add Traditional Chinese language support
- Integrate more local payment methods (Pix, BRL)
- Improve tracking of assets and transactions
In-app purchases
Payy
No in-app purchases
ether.fi
No in-app purchases
