# ToonPay vs Xova

The clearest difference is review sentiment: Xova at 100% against ToonPay's 67%. Xova also leads on ratings volume (122 vs 2). ToonPay's advantage is rating (5.0 vs 4.8). On price, update cadence, ads and in-app purchases there is nothing between them.

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

ToonPay holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Xova has 122 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 67% of ToonPay's written reviews are positive against 100% of Xova's, so the app with the better star average is not the one people write more warmly about.

ToonPay ships an update fortnightly, Xova every 3 weeks. The most recent releases landed on October 7, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | ToonPay | Xova |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/toonpay/id6746450149/reviews)** | [4.8 (122 ratings)](https://appshunter.io/ios/app/xova/id6751160251/reviews) |
| Number of ratings | 2 | **122** |
| Positive reviews | 66.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 74 MB | 75 MB |
| Requires iOS | 17.0 | **16.4** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Toonpay Technologies Limited](https://appshunter.io/developer/1816899045) | [Swed Schield AG](https://appshunter.io/developer/1833744581) |

## What reviewers say

### ToonPay

[App page](https://appshunter.io/ios/app/toonpay/id6746450149)

This app allows users to spend cryptocurrency like cash globally using virtual or physical debit cards. It supports multiple blockchain networks and offers cashback rewards of up to 15%. Users can top up their wallets with USDC/USDT and enjoy fast, seamless transactions worldwide.

**Highlights:** Spend crypto like cash globally, Virtual and physical debit cards, Up to 15% cashback rewards, Supports USDC/USDT on 7 chains, Fast and seamless transactions, Referral program with rewards

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

**In-app purchases:** none


### Xova

[App page](https://appshunter.io/ios/app/xova/id6751160251)

Manage your digital assets with a secure, decentralized cryptocurrency wallet. Send, receive, buy, and store various cryptocurrencies independently, without intermediaries. Your private keys and digital assets remain under your complete control.

**Highlights:** Send and receive cryptocurrencies, Buy cryptocurrencies, Store cryptocurrencies, Decentralized control, Secure key management

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

**In-app purchases:** none


## Frequently asked questions

### Is ToonPay free?

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

### Is Xova free?

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

### Which has better reviews, ToonPay or Xova?

ToonPay is rated higher. ToonPay averages 5.0 out of 5 from 2 ratings, while Xova averages 4.8 from 122 ratings.

### Do ToonPay or Xova have ads?

Neither ToonPay nor Xova shows ads.

### Which is updated more often, ToonPay or Xova?

ToonPay ships an update fortnightly, and Xova every 3 weeks. Most recently, ToonPay was updated on October 7, 2026 and Xova on October 25, 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.*