# Payy vs Zagnu

The clearest difference is rating: Zagnu at 5.0 against Payy's 4.1. Zagnu also leads on review sentiment (100% vs 65%). Payy's advantage is ratings volume (35 vs 5) and device support (3 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Zagnu 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 5, 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 100% of Zagnu's.

Both ship on a similar rhythm, roughly every 8 days. The most recent releases landed on November 4, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Payy | Zagnu |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (35 ratings)](https://appshunter.io/ios/app/payy/id6474760518/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/zagnu/id6761285964/reviews)** |
| Number of ratings | **35** | 5 |
| Positive reviews | 65.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 8 days | Every 8 days |
| Monetization | Free | Free |
| Size | 130 MB | 48 MB |
| Requires iOS | **15.5** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Polybase Labs](https://appshunter.io/developer/1722468125) | [Zagnu LLC](https://appshunter.io/developer/1888657040) |

## 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


### Zagnu

[App page](https://appshunter.io/ios/app/zagnu/id6761285964)

Consolidate your digital dollar balances from Cash App and Venmo into a single, secure dashboard. This app enables instant deposits and withdrawals, offering self-custodial security and support for various decentralized assets.

**Highlights:** Unified balance tracking, Instant deposits and withdrawals, Self-custodial security, Multi-asset support, Connects Cash App and Venmo

**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 Zagnu free?

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

### Which has better reviews, Payy or Zagnu?

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

### Do Payy or Zagnu have ads?

Neither Payy nor Zagnu shows ads.

### Which is updated more often, Payy or Zagnu?

Payy ships an update every 8 days, and Zagnu every 8 days. Most recently, Payy was updated on November 4, 2026 and Zagnu on November 5, 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.*