Ulys AI vs THYNKPAY
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Ulys AI
This AI-powered assistant helps you invest by understanding your ideas in plain language. It finds assets, builds diversified portfolios, and executes trades after your approval. You can also research market movements and set up automated orders.
- AI-driven investment ideas
- Automated portfolio construction
- Trade execution with approval
- On-demand market research
- Smart order automation
- Non-custodial account control
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Ulys is your AI assistant for investing. Tell it what you believe in, in your own words. Ulys finds the assets, builds the basket, and places the trade when you approve it. “I think AI chips will keep growing.” That’s enough to start. Ulys asks a clarifying question if it needs one, picks the assets, sizes the basket, and explains why each one is in there. Reshape it in the chat, then slide to confirm. What Ulys does • Understands what you mean. A half-formed idea is a fine place to start. No tickers, no order types, no menus. • Builds the position. It picks the assets, sizes the basket, and shows you why each one is there, with its sources. • Researches on demand. Ask why something moved or what could hurt it, and get an answer with where it came from. • Watches the world for you. Smart Orders wait for a price or a real-world event and run only on the terms you approved. • Adapts to you. Set the tone, the risk appetite, the depth, and how much you want to see before you confirm. • Always asks first. Ulys proposes, you approve. Nothing runs until you slide to confirm. What you can invest in • Tokenized stocks and ETFs, tokenized gold, and crypto, in one account.* • Markets that do not close. 24/7, from 120+ countries.* • No gas fees on supported chains. No chain switching, no bridging. Non-custodial, made easy • Non-custodial. You control your account and your assets. • No seed phrase to write down and no backup step to forget. • Sign in with Apple, Google, or email, the way you sign in to anything else. Fund and Earn • Eligible new accounts start with $25 to put behind a first idea. Fund your account with $25+ to unlock it for withdrawal.* • Fund in minutes with cash, credit, debit, Apple Pay, and other top methods. • Deposited USD becomes USDC automatically. No swap step. • Turn on Earn and access earning opportunities on the USDC you already hold. It sits inside your balance rather than a separate account, so you can move in and out whenever you want. No lockups. Pay Friends • Send USDC to a friend’s phone number. Nothing to paste, no chain to pick. • If they are not on Ulys yet, they get a link and claim it from there.* • Invite a friend and you both get $25 in USDC once they fund their account and place their first trade.* Loyalty Program • Points add up for how you already use Ulys, as you trade and hold. Track them in the app whenever you feel like looking. • Your rewards live in the app. Claim them when they land. Standard terms apply. Most people already have a view on AI, rates, elections or gold. Turning one into a position used to take tickers, research, sizing and order types. Now it takes a sentence. --- *Availability varies by region. Promotional terms and eligibility requirements apply. Disclaimer: Ulys does not provide financial services or engage in regulated activities such as money transmission, exchange, custodial services, securities brokerage, or lending. Any licensed financial services (e.g., payment processing, crypto-to-fiat transactions, or lending) are facilitated entirely by third-party providers, who are responsible for obtaining and maintaining the necessary licenses under applicable U.S. federal and state laws. ACH bank transfer and debit/card on and offramps are not supported in NY. For users 18+. Not all features supported in all regions, app experience, features, and program participation dependent on restrictions specific to user region. Risk Disclosure: Digital asset purchases come with risks, including the potential loss of funds. Always research before making financial decisions. Ulys does not provide financial, investment, or legal advice.
THYNKPAY
This app facilitates instant payments and receipts using QR codes, eliminating the need for card numbers or bank details. It offers real-time transaction updates, wallet funding, and enhanced security features for users in Nigeria.
- QR code payments (scan or display)
- Real-time balance and transaction updates
- Push notifications for payments
- Biometric security (Face ID/Fingerprint)
- Wallet funding and KYC verification
- Transaction history search and filters
- Receipt sharing
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ThynkPay is the fastest way to accept and make payments in Nigeria. Whether you're a vendor at your shop or a customer on the go, ThynkPay lets you send and receive money instantly using QR codes — no card numbers, no bank details, no hassle. GET PAID IN SECONDS Display your unique QR code at your shop, market stall, or anywhere you sell. Customers scan it, enter the amount, and you receive the money instantly. Print it, share it, stick it on your wall — it just works. SCAN & PAY INSTANTLY Need to pay someone? Open the scanner, point your camera at their QR code, and confirm. The entire payment takes less than 10 seconds. Quick-select amounts like ₦100, ₦500, ₦1,000 or enter any custom amount. REAL-TIME EVERYTHING Your balance updates the moment a payment lands. New transactions appear instantly on your dashboard. Push notifications alert you the second you receive money — complete with sound. No refreshing, no waiting. YOUR WALLET, YOUR CONTROL Fund your wallet with quick top-ups starting from ₦100. Track your daily and monthly spending limits with visual progress bars. Upgrade your KYC tier to unlock higher limits up to ₦5,000,000/month. TRANSACTION HISTORY THAT WORKS Search transactions by type, reference, or amount. Filter by received or sent. Every transaction comes with full details — amount, fees, reference number, timestamps, and status. Share transaction details or export receipts as images. BUILT FOR SECURITY • Biometric lock with Face ID or fingerprint • Phone number verification with SMS OTP • Automatic session timeout after inactivity • Session expiry warning with option to stay logged in • Transaction reference tracking for every payment DARK MODE Easy on the eyes, day or night. Choose Light, Dark, or let it follow your system preference. DESIGNED FOR NIGERIA ThynkPay is built from the ground up for Nigerian businesses and consumers. Nigerian phone numbers, Naira currency formatting, and local payment flows that make sense for how you actually do business. KEY FEATURES • QR code payments — scan or display • Real-time balance and transaction updates • Push notifications for every payment • Biometric security (Face ID / Fingerprint) • Dark mode (Light / Dark / System) • Transaction search, filters, and pagination • Receipt sharing as image or text • Wallet funding with quick-select amounts • KYC verification for higher limits • Accessible design with VoiceOver support ThynkPay — Made with care in Nigeria.
Screenshots
Verdict
The clearest difference is rating: THYNKPAY at 5.0 against Ulys AI's 4.2. THYNKPAY also leads on ads (none vs shown) and update cadence (every 9 days vs monthly). Ulys AI's advantage is ratings volume (18 vs 2). On price, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
THYNKPAY holds the better App Store score, 5.0 against 4.2. That said, the two scores are not equally well evidenced: Ulys AI has 18 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 90% of Ulys AI's written reviews are positive against 100% of THYNKPAY's.
Ulys AI ships an update monthly, THYNKPAY every 9 days. The most recent releases landed on November 8, 2026 and November 9, 2026 respectively.
| Parameter | Ulys AI | THYNKPAY |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (18 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 90.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 18 — better | 2 |
| Update frequency | Monthly | Every 9 days — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 17.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 51 MB | 36 MB |
| Age rating | 17+ | 4+ |
| Developer | Ulys Holdings | THYNKPAY Limited |
Customer experience
Ulys AI
THYNKPAY
In-app purchases
Ulys AI
No in-app purchases
THYNKPAY
No in-app purchases








