Comparison

Payfunds Wallet vs halco

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

Head to head
About

Payfunds Wallet

Manage, send, and receive cryptocurrencies securely with a non-custodial wallet. This app gives you full control over your private keys and digital assets, offering an intuitive interface for interacting with blockchain networks and swapping tokens.

Highlights
  • Secure non-custodial wallet
  • Full control of assets
  • Send and receive crypto
  • Token swaps on EVM & TRON
  • Multi-asset management
  • Price tracking and alerts
  • Privacy-focused, no registration
Features
Read full description

Manage, Send, and Receive Crypto with Ease PayFunds is a secure **non-custodial cryptocurrency wallet** that allows users to safely store, send, receive, and manage digital assets across supported blockchain networks. Designed with simplicity and security in mind, PayFunds gives users full control over their private keys and funds while providing an easy-to-use interface for interacting with blockchain networks. Whether you are new to crypto or an experienced user, PayFunds provides a simple way to manage your assets directly from your mobile device. Key Features Secure Non-Custodial Wallet PayFunds does not store or control user funds. Private keys remain securely stored on the user's device, ensuring that only the user has access to their assets. Full Control of Your Assets Because PayFunds is non-custodial, users maintain complete ownership and control of their digital assets at all times. Send and Receive Crypto Easily send and receive supported cryptocurrencies using a simple and intuitive interface. Token Swaps on Supported Networks Users can swap supported tokens on **EVM-compatible blockchains and the TRON network** directly from their wallet. These swaps interact with decentralized liquidity protocols and are executed on-chain through smart contracts. PayFunds provides only the user interface for these interactions and does not operate a centralized exchange service. Multi-Asset Wallet Manage multiple supported cryptocurrencies and tokens from a single wallet with real-time balance updates. Price Tracking and Alerts Stay informed with real-time price information and customizable alerts for supported assets. Privacy Focused No account registration required. PayFunds does not collect personal information and does not have access to user wallets or private keys. Support Our support team is available to assist users with wallet functionality and general guidance. Important Notice PayFunds is a non-custodial wallet application. Users are solely responsible for managing and securing their private keys and wallet backups.

About

halco

This app offers interest-free access to Bitcoin trading and a secure non-custodial wallet, specifically designed for Muslims. It allows users to buy crypto using various payment methods and is backed by Islamic scholars confirming Bitcoin's permissibility.

Highlights
  • Interest-free Bitcoin trading
  • Shariah-aligned crypto exchange
  • Secure non-custodial wallet
  • Buy with Apple Pay, ACH, or cards
  • Backed by Islamic scholar fatwas
  • No account minimums
Features
Read full description

Halco makes it easy to buy Bitcoin— without compromising your values. Built for Muslims, Halco gives you interest-free access to crypto using Apple Pay, ACH, or cards. Backed by fatwas confirming Bitcoin's permissibility. Halco is both a Shariah-aligned crypto exchange and a secure non-custodial wallet—so you’re always in control of your funds. Create a wallet in seconds, or safely import an existing one and start trading Bitcoin without interest, speculation, or compromise. Made for Muslims, by Muslims Our mission is to bridge faith and finance by empowering every Muslim to invest in cryptocurrency with confidence, integrity, and ease. Whether you’re new to crypto or a seasoned investor, Halco was designed to protect your wealth and your values. Buy Bitcoin with ease • Apple Pay, debit/credit cards, or ACH • No account minimums — get started with $30 • Seamless user interface, optimized for beginners You hold the keys • Non-custodial wallet = you own your crypto • Easy wallet setup or import • Encrypted keys stored on-device Backed by Islamic scholars Halco’s Bitcoin offering follows the fatwa issued by the Fiqh Council of North America, which confirms: Bitcoin is halal for investment and trade All ribā rules apply to BTC Spot trading and transparency are required Zakāt is due if conditions are met We do not offer leveraged trading, speculation, or custodial accounts — and we never charge interest. “The Fiqh Council views that the objections some have raised against Bitcoins... are not strong enough to warrant a verdict of impermissibility. Hence, they remain upon the default, which is permissibility.” — Fiqh Council of North America, 2019 Download Halco and start your halal Bitcoin journey today.

Screenshots

Payfunds Wallet4 screens
halco4 screens

Verdict

The call

The clearest difference is ads: Payfunds Wallet at none against halco's shown. Payfunds Wallet also leads on monetization model (free vs ad-supported). halco's advantage is ratings volume (4 vs 1). On price, rating, review sentiment and update cadence 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Payfunds Wallet against 5.0 for halco. Both are backed by a comparable volume of ratings — 1 and 4 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

Payfunds Wallet ships an update every 6 days, halco every 5 days. The most recent releases landed on October 30, 2026 and November 4, 2026 respectively.

Scorecard3 real differences · 7 level
Payfunds Wallet versus halco: the parameters behind the verdict, then further details
ParameterPayfunds Wallethalco
PriceFreeFree
Rating5.0 (1 ratings)5.0 (4 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings14 — better
Update frequencyEvery 6 daysEvery 5 days — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size141 MB58 MB
Age rating4+4+
DeveloperPayfunds S.r.oAlternative Crypto Investments Inc

Customer experience

Payfunds Wallet

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

halco

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Payfunds Wallet

No in-app purchases

None

halco

No in-app purchases

Questions

Is Payfunds Wallet free?
Payfunds Wallet is free to download, with no in-app purchases.
Is halco free?
halco is free to download, with no in-app purchases.
Which has better reviews, Payfunds Wallet or halco?
Payfunds Wallet and halco are both rated 5.0 out of 5 on the App Store, from 1 and 4 ratings respectively.
Do Payfunds Wallet or halco have ads?
halco shows ads; Payfunds Wallet does not.
Which is updated more often, Payfunds Wallet or halco?
Payfunds Wallet ships an update every 6 days, and halco every 5 days. Most recently, Payfunds Wallet was updated on October 30, 2026 and halco on November 4, 2026.

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