# Oxygen X Finance vs SmartKafe

Oxygen X Finance and SmartKafe are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on October 22, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | Oxygen X Finance | SmartKafe |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/oxygen-x-finance/id6517354552/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free | — |
| Size | 141 MB | 50 MB |
| Requires iOS | **15.6** | 16.4 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [OXYGEN X FINANCE COMPANY LIMITED](https://appshunter.io/developer/1755884603) | [Digital Smart Environment](https://appshunter.io/developer/6809169229) |

## What reviewers say

### Oxygen X Finance

[App page](https://appshunter.io/ios/app/oxygen-x-finance/id6517354552)

Access financial solutions for investing and borrowing. Grow your money with investment plans and earn interest, or get instant loans with flexible repayment options. Secure and regulated for your peace of mind.

**Highlights:** Invest from ₦50,000, Earn up to 24.25% annual interest, Instant loans up to ₦10,000,000, Flexible repayment plans (91-365 days), Affordable interest rates (2-2.5% monthly), No collateral or paperwork required, Licensed & regulated by the CBN

**Features:** macOS Compatibility

**In-app purchases:** none


### SmartKafe

[App page](https://appshunter.io/ios/app/smartkafe/id6809169227)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Oxygen X Finance free?

Oxygen X Finance is free to download, with no in-app purchases.

### Is SmartKafe free?

SmartKafe is free to download, with no in-app purchases.

### Do Oxygen X Finance or SmartKafe have ads?

Neither Oxygen X Finance nor SmartKafe shows ads.

### Which is updated more often, Oxygen X Finance or SmartKafe?

Oxygen X Finance ships an update fortnightly, and SmartKafe fortnightly. Most recently, Oxygen X Finance was updated on October 22, 2026 and SmartKafe on October 26, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*