Comparison

PenguinWallet vs $arca

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

Head to head
About

PenguinWallet

Features
Read full description

Everything you do on Creditcoin, in one app. Hold your tokens, open the dApps built on Creditcoin, and keep your NFTs in one place, without ever handing your keys to anyone. FORMERLY CREDIT WALLET PenguinWallet is the same app you already know, rebranded. If you are updating from Credit Wallet, your wallets, balances, address book and transaction history all carry over. There is nothing to re-import. WHAT YOU CAN DO Create or import a wallet in a minute, secured by a recovery phrase you control Send and receive CTC and Creditcoin ecosystem tokens Browse Creditcoin dApps without leaving the wallet Access Penguinbase from inside the wallet View and manage your NFTs Back up to iCloud and restore on a new device Save frequent addresses to your address book Lock the app with a passcode or Face ID THE OFFICIAL CREDITCOIN WALLET PenguinWallet is the official wallet for the Creditcoin ecosystem, built by Gluwa Inc. It supports Creditcoin out of the box, so your tokens, dApps and NFTs work with no setup at all. NON-CUSTODIAL BY DESIGN Your keys stay on your device. We never hold your assets and we cannot move them for you. Write your recovery phrase down and keep it somewhere offline. Anyone who has that phrase has your wallet. Questions or feedback: team@creditcoin.org

About

$arca

Features
Read full description

Sarca is a modern digital wallet that makes sending, receiving, and managing money simple, fast, and secure. With Sarca, you can handle your daily financial activities from your mobile device without stress. Whether you're transferring money, paying for services, or managing your balance, Sarca gives you full control. KEY FEATURES: โ€ข Instant Transfers โ€“ Send and receive money quickly โ€ข Secure Wallet โ€“ Advanced protection for your funds โ€ข Easy Payments โ€“ Pay for services and transactions with ease โ€ข User-Friendly Interface โ€“ Simple and intuitive design โ€ข Real-Time Notifications โ€“ Stay updated on all transactions Sarca is built to provide a reliable and seamless financial experience for everyday use. Download Sarca today and take control of your finances.

Screenshots

PenguinWallet4 screens
$arca4 screens

Verdict

The call

The clearest difference is update cadence: $arca at fortnightly against PenguinWallet's every 5 weeks. PenguinWallet's advantage is iOS requirement (15.1 vs 26.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

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

UpkeepUpdate frequency

PenguinWallet ships an update every 5 weeks, $arca fortnightly. The most recent releases landed on November 4, 2026 and October 31, 2026 respectively.

Scorecard2 real differences ยท 4 level
PenguinWallet versus $arca: the parameters behind the verdict, then further details
ParameterPenguinWallet$arca
PriceFreeFree
Update frequencyEvery 5 weeksFortnightly โ€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPod โ€” betteriPhone, iPad
Requires iOS15.1 โ€” better26.0
Further details โ€” not scored
Size50 MB3 MB
Age rating17+4+
DeveloperGluwa Inc.Kingsarca Investments

In-app purchases

None

PenguinWallet

No in-app purchases

None

$arca

No in-app purchases

Questions

Is PenguinWallet free?
PenguinWallet is free to download, with no in-app purchases.
Is $arca free?
$arca is free to download, with no in-app purchases.
Do PenguinWallet or $arca have ads?
Neither PenguinWallet nor $arca shows ads.
Which is updated more often, PenguinWallet or $arca?
PenguinWallet ships an update every 5 weeks, and $arca fortnightly. Most recently, PenguinWallet was updated on November 4, 2026 and $arca on October 31, 2026.

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