Comparison

Payy vs Lydian Wallet

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Send stablecoins with payment links
  • No account freezing or suspension
  • User-controlled funds
  • Payy Card for spending
  • Easy and private digital money
Features
Read full description

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.

About

Lydian Wallet

A secure, non-custodial digital asset wallet for managing cryptocurrencies and monitoring a linked card. It allows users to store, send, and receive digital assets with full control over private keys and funds.

Highlights
  • Non-custodial digital asset storage
  • Send and receive crypto
  • Monitor Lydian Card activity
  • View Visa card benefits
  • Manage wallets and balances
  • Intuitive interface
Features
Read full description

Lydian Wallet Digital Asset Wallet A secure, non-custodial digital asset wallet. Full Description: A secure way to manage your digital assets Lydian Wallet is a non-custodial digital asset wallet designed to help users securely store crypto, initiate transfers, and access supported features from one single app. Built with security and usability in mind, Lydian Wallet provides a clear and intuitive experience for both new and experienced crypto users. What Lydian Wallet offers SELF-CUSTODY & CONTROL Maintain ownership of your digital assets at all times. Lydian Wallet is non-custodial, meaning you retain control of your private keys and funds. SEND & RECEIVE DIGITAL ASSETS Initiate crypto transfers to and from external wallets and supported services with ease. CARD MANAGEMENT FEATURES View and monitor your Lydian Card directly in-app, including viewing activity and accessing supported card functionality, like Visa card benefits. ONE APP, CLEAR VISIBILITY View balances, manage wallets, and monitor connected services from a clean, easy-to-navigate interface. Designed with security at the core Lydian Wallet is built using modern security standards to help protect user assets while maintaining transparency and user control. Security features are integrated at every layer of the app experience. Built for a global user base Lydian Wallet is designed for users who manage digital assets across different regions and use cases. Supported features may vary by location and availability. Get started quickly Download Lydian Wallet to securely manage your digital assets and explore supported features in minutes. Learn more at lydian.com Important Information Lydian wallet is a non-custodial digital asset wallet. Lydian does not hold or control user funds Card features and supported assets may vary by region and are provided through third-party partners. The Lydian Card is issued by Rain pursuant to a license by Visa. Certain features may require additional verification or eligibility. Terms apply.

Screenshots

Payy4 screens
Lydian Wallet4 screens

Verdict

The call

The clearest difference is rating: Lydian Wallet at 5.0 against Payy's 4.1. Payy's advantage is ratings volume (35 vs 4) and update cadence (every 8 days vs every 3 weeks). 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Lydian Wallet 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.

UpkeepUpdate frequency

Payy ships an update every 8 days, Lydian Wallet every 3 weeks. The most recent releases landed on November 4, 2026 and November 5, 2026 respectively.

Scorecard3 real differences · 7 level
Payy versus Lydian Wallet: the parameters behind the verdict, then further details
ParameterPayyLydian Wallet
PriceFreeFree
Rating4.1 (35 ratings)5.0 (4 ratings) — better
Positive reviews65.0% of reviews—
Number of ratings35 — better4
Update frequencyEvery 8 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.515.1 — better
Further details — not scored
Size130 MB77 MB
Age rating4+17+
DeveloperPolybase LabsTPG Payments Inc

Customer experience

Payy

All ratings35 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews20 reviews
Positive65.0%
Neutral0.0%
Negative35.0%

Lydian Wallet

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Payy

No in-app purchases

None

Lydian Wallet

No in-app purchases

Questions

Is Payy free?
Payy is free to download, with no in-app purchases.
Is Lydian Wallet free?
Lydian Wallet is free to download, with no in-app purchases.
Which has better reviews, Payy or Lydian Wallet?
Lydian Wallet is rated higher. Payy averages 4.1 out of 5 from 35 ratings, while Lydian Wallet averages 5.0 from 4 ratings.
Do Payy or Lydian Wallet have ads?
Neither Payy nor Lydian Wallet shows ads.
Which is updated more often, Payy or Lydian Wallet?
Payy ships an update every 8 days, and Lydian Wallet every 3 weeks. Most recently, Payy was updated on November 4, 2026 and Lydian Wallet on November 5, 2026.

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