Comparison

PayProtocol vs ChainATM

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

Head to head
About

PayProtocol

Features
Read full description

Decentralized crypto payment and wallet infrastructure for B2C enterprises. Pay Protocol enables retailers and fintechs to acquire, manage, self-custody, and disburse crypto seamlessly, with full in-house contral. - Supports multiple networks like Ethereum/Tron/BNB - Create or import wallets - Send/Receive ERC20/TRC20/BEP20 assets - Built-in DApp browser with full compatibility for PayProtocol merchant management systems - Serverless architecture: All data sourced from public blockchain information, wallet private keys stored locally on-device

About

ChainATM

Features
Read full description

An AI agent for your self-custody wallet. Create a new wallet or bring your own. Crypto that works without learning crypto. Just say what you want. Tell the app: "Send 50 USDC to vitalik.eth," "Swap my ETH to SOL," or "What's the price of BTC?" by voice or text, and it walks you through it. WHAT YOU CAN DO β€’ Talk or type in plain English. β€’ One experience across Ethereum, Base, Polygon, Arbitrum, Optimism, Avalanche, BSC, Solana, and more. β€’ Review supported transfers and swaps before confirming them. β€’ Buy supported crypto through Privy’s checkout, with available providers such as Coinbase and MoonPay. Availability, fees and payment methods depend on your region, asset and network. β€’ Hands-free with voice control. β€’ Biometric lock and encrypted on-device storage. β€’ The default embedded wallet is provided by Privy. After your confirmation, supported actions may execute through ChainATM’s backend and Privy, or require approval in a connected external wallet. Transaction timing depends on the network and provider. A chat request prepares an action; always review its details before confirming. Download. Talk. Transact. SUPPORT Questions or feedback: contact@noctra-labs.com PRIVACY POLICY https://www.chain-atm.com/privacy RISK DISCLOSURE Crypto assets are volatile and high-risk; their value can fall as well as rise, and crypto may not be suitable for everyone. On- and off-ramp services are provided by Coinbase and MoonPay, who handle the purchase, sale, custody, and transfer of crypto bought with fiat. The in-app AI assistant is a convenience feature; its underlying model may change over time. Always review the details of any transaction before you confirm it. Noctra Labs UG (haftungsbeschrΓ€nkt) Β· Trier Β· HRB 48033 AG Wittlich

Screenshots

PayProtocol3 screens
ChainATM4 screens

Verdict

The call

The clearest difference is in-app purchases: PayProtocol at none against ChainATM's 4. ChainATM's advantage is update cadence (fortnightly vs every 2 months). On price, ads, device support and iOS requirement there is nothing between them.

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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. ChainATM sells 4 one-off in-app purchases. PayProtocol asks for nothing beyond the download.

UpkeepUpdate frequency

PayProtocol ships an update every 2 months, ChainATM fortnightly. The most recent releases landed on October 30, 2026 and October 24, 2026 respectively.

Scorecard2 real differences Β· 4 level
PayProtocol versus ChainATM: the parameters behind the verdict, then further details
ParameterPayProtocolChainATM
PriceFreeFree
Update frequencyEvery 2 monthsFortnightly β€” better
AdsNoNo
In-app purchasesNo β€” betterYes
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.1
Further details β€” not scored
Size40 MB52 MB
Age rating17+4+
DeveloperHong Kong Yesjungle LimitedNoctra GmbH

In-app purchases

None

PayProtocol

No in-app purchases

4 purchases

ChainATM

One-time4
  • 10 Credits$0.99
  • 50 Credits$4.99
  • 100 Credits$7.99
Show 1 more
  • 500 Credits$34.99

Questions

Is PayProtocol free?
PayProtocol is free to download, with no in-app purchases.
Is ChainATM free?
ChainATM is free to download, with in-app purchases available.
Do PayProtocol or ChainATM have ads?
Neither PayProtocol nor ChainATM shows ads.
Which is updated more often, PayProtocol or ChainATM?
PayProtocol ships an update every 2 months, and ChainATM fortnightly. Most recently, PayProtocol was updated on October 30, 2026 and ChainATM on October 24, 2026.

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