Comparison

Payy vs Bread Wallet by Miden

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

Bread Wallet by Miden

Features
Read full description

Bread is a private, self-custodial wallet for the Miden network — built so you can hold and move digital money simply, without handing your financial life to anyone. Powered by Miden's zero-knowledge technology, Bread keeps your balances and activity private by default, while your keys stay encrypted on your device and never leave it. PRIVATE BY DEFAULT • Zero-knowledge privacy built in — your balances and transactions are yours alone • No tracking, no analytics, no data harvesting • Choose what you reveal with public and private transfers YOUR KEYS, YOUR MONEY • Fully self-custodial — private keys are generated and stored on your device • Unlock instantly and securely with Face ID or a passcode • Back up and restore any time with your recovery phrase SIMPLE TO USE • Send and receive in seconds with a clean, focused interface • Scan a QR code or share your address to get paid • Claim your first tokens from the built-in faucet • See your balances and activity at a glance EXPLORE THE MIDEN ECOSYSTEM • Open dApps right inside Bread — swap, save, and build • A growing world of privacy-first apps on Miden STAY IN CONTROL • Pick a guardian you trust to help recover access • Unclaimed transfers return to the sender automatically — nothing gets stuck GETTING STARTED 1. Create a new wallet — no account or sign-up needed 2. Secure it with a passcode and enable Face ID 3. Claim your first tokens from the built-in faucet 4. Start sending and receiving on the Miden network SECURITY REMINDERS • Always back up your recovery phrase somewhere safe • Never share your recovery phrase or private keys with anyone • Enable Face ID for an added layer of protection

Screenshots

Payy4 screens
Bread Wallet by Miden4 screens

Verdict

The call

The clearest difference is update cadence: Bread Wallet by Miden at every 3 days against Payy's weekly. On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

Payy ships an update weekly, Bread Wallet by Miden every 3 days. The most recent releases landed on August 28, 2026 and September 18, 2026 respectively.

Scorecard1 real difference · 9 level
Payy versus Bread Wallet by Miden: the parameters behind the verdict, then further details
ParameterPayyBread Wallet by Miden
PriceFreeFree
Rating4.1 (35 ratings) — better—
Positive reviews65.0% of reviews—
Number of ratings35 — better—
Update frequencyWeeklyEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.515.0 — better
Further details — not scored
Size130 MB118 MB
Age rating4+17+
DeveloperPolybase LabsMiden Technologies (US) Corp.

In-app purchases

None

Payy

No in-app purchases

None

Bread Wallet by Miden

No in-app purchases

Questions

Is Payy free?
Payy is free to download, with no in-app purchases.
Is Bread Wallet by Miden free?
Bread Wallet by Miden is free to download, with no in-app purchases.
Do Payy or Bread Wallet by Miden have ads?
Neither Payy nor Bread Wallet by Miden shows ads.
Which is updated more often, Payy or Bread Wallet by Miden?
Payy ships an update weekly, and Bread Wallet by Miden every 3 days. Most recently, Payy was updated on August 28, 2026 and Bread Wallet by Miden on September 18, 2026.

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