AfriOne vs PhosPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AfriOne
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AfriOne is a technology startup in partnership with licensed partners such as KYC providers, Bill Payment providers and payment gateways. We are building a revolutionary app that allows our users (Nigeria only) fund their account with Naira. This deposit is backed by physical gold hence helping user hedge their income against inflation. AfriOne is not a crypto currency platform and we do not accept any form of crypto payment. Send Money Instantly: Seamlessly send money to friends, family, or anyone else who has an Afrione account. Withdraw to Your Bank: Move funds from your wallet to your preferred bank account seamlessly at any time, giving you complete liquidity. Funding or Withdrawing from user's wallet is supported by our partnership with KoraPay(Wema Bank)and HabariPay (GT Bank) as back-up provider. Pay Bills & Buy Gift Cards: Use your wallet balance to pay for utility bills such as electricity, internet, and more. You can also purchase gift cards for top brands, all from the convenience of your app. We have direct integrations with Reloadly and Nomiworld for our Bill payment and Gift Card services. Virtual Cards: With our integration with Maplerad, users are able to buy USD virtual cards (Visa or MasterCard) with their wallet balance to enjoy online shopping and pay for subscriptions.
PhosPay
This platform provides a suite of financial tools for managing money. Users can send funds instantly, pay bills, make QR code payments, and earn interest on savings.
- Instant money transfers
- Bill payments
- QR code transactions
- Savings with interest
- Comprehensive fintech platform
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PhosPay is a comprehensive fintech platform offering a range of financial services including instant money transfers, bill payments, QR code transactions, and savings with competitive interest rates.
Screenshots
Verdict
The clearest difference is update cadence: PhosPay at weekly against AfriOne's every 5 weeks. 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AfriOne ships an update every 5 weeks, PhosPay weekly. The most recent releases landed on October 13, 2026 and October 2, 2026 respectively.
| Parameter | AfriOne | PhosPay |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (2 ratings) — better |
| Number of ratings | — | 2 — better |
| Update frequency | Every 5 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Ad-supported |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.5.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 182 MB | 57 MB |
| Age rating | 17+ | 17+ |
| Developer | AFRIONE | Phospay Business |
In-app purchases
AfriOne
No in-app purchases
PhosPay
No in-app purchases









