Payy vs Luxfolio
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.
Luxfolio
This app tracks the market value of luxury items like handbags, watches, and jewelry. It provides real-time pricing, historical data, and market insights for collectors and enthusiasts.
- Real-time pricing for luxury goods
- Historical price charts
- Collection tracking and valuation
- Market insights and indices
- Item identification via photo
- Currency conversion
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Luxfolio prices handbags, watches and jewellery the way a terminal prices stocks. Every piece has a ticker, a chart and a current mark. Look up a Birkin 25 in Togo, a Nautilus 5711, a Love bracelet — and see what it is marked at today, how that has moved over thirty days and twelve months, and how many listings sit behind the number. WHERE THE NUMBERS COME FROM A mark is the median asking price across resale listings we observe, quoted at Excellent condition and adjusted along a condition ladder. Every piece shows its listing count, its confidence, and the date it was last refreshed. Where there are too few observations to be honest about, we publish no mark at all rather than a guess. A mark is not an appraisal and not a transaction price. It is what sellers are asking. WHAT YOU CAN DO • Search by name or by ticker — HRM.BRK25 finds every Birkin 25 we carry • Track a collection and watch what it is worth • Follow pieces you do not own, and hear when something happens to them • Compare up to four pieces on one rebased axis • Photograph a piece and have it identified against the catalogue • Read the market: separate indices for bags, watches and jewellery, the movers, and short pieces written from the marks themselves • Read in your own currency — converted from dollars at a stated rate, always labelled as a conversion WHAT IT IS NOT We do not buy, sell, broker or authenticate anything. We are not affiliated with any house; brand names are used only to say whose piece is being priced. Nothing in this app is investment advice. Free, with no limit on what you track.
Screenshots
Verdict
The clearest difference is rating: Luxfolio at 5.0 against Payy's 4.1. Payy's advantage is ratings volume (35 vs 2) and device support (3 vs 1). 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.
Luxfolio 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 2, so its average is the more settled of the two.
| Parameter | Payy | Luxfolio |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (35 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 65.0% of reviews | — |
| Number of ratings | 35 — better | 2 |
| Update frequency | Every 8 days | — |
| Ads | No | No |
| 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 | 3 MB |
| Age rating | 4+ | 4+ |
| Developer | Polybase Labs | Alec Hartman |
Customer experience
Payy
Luxfolio
In-app purchases
Payy
No in-app purchases
Luxfolio
No in-app purchases









