Holders vs Pay9
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
Holders
Read full descriptionHide full description
Stablecoin payments without the complexity. Create your stablecoin card in minutes, top it up from your favorite blockchain, and spend anywhere Visa is accepted. Add your virtual card to Apple Pay instantly or order a physical card for everyday purchases around the world. Whether you're paying for coffee, booking hotels, shopping online, or traveling abroad, your money is always ready to spend. Unlike traditional crypto wallets, there's nothing complicated to learn. No seed phrases. No wallet setup. No confusing blockchain experience. Just sign in, fund your account, and start paying. Stablecoin Card - Get a virtual or physical card in minutes - Add your card to Apple Pay and start paying instantly - Available to residents of 94 countries - Spend anywhere Visa is accepted - Designed for everyday online and in-store payments Fund Your Account Top up directly from multiple blockchain networks in just a few taps. Supported assets and networks include: Bitcoin (BTC), Ethereum (ETH), Base, Solana, TRON, TON, USDC, USDT and many more. No complicated deposit processΓ’β¬βsimply choose a network, transfer your funds, and your balance is ready to spend. No Gas Token Needed Sending stablecoins shouldn't require holding a separate token just to pay network fees. Move your funds without buying SOL, TRON, or ETH first - fees are handled right from your balance. The app takes care of the complexity so you can focus on simply sending and receiving. Self-Custody Security Your assets remain under your control. Unlike custodial services, your funds are never controlled by a third party. No one can freeze your balance, block access to your assets, or spend your funds on your behalf. Self-custody gives you ownership without sacrificing convenience. Built for Transparency Every payment is fully traceable and verifiable on-chain. Review the complete lifecycle of every transaction while keeping your financial activity private by default. No hidden fees, no hidden processing, and complete visibility into how your money moves. Why Choose Holders? - Stablecoin card for everyday spending - Virtual and physical cards - Apple Pay support - Available to residents of 94 countries - Spend anywhere Visa is accepted - Fast top-ups from any network - No gas token required - Self-custody security - On-chain transaction verification - Simple banking-like experience All the benefits of blockchain. None of the complexity.
Pay9
Read full descriptionHide full description
One App for all your lifestyle needs Unlock a world of unparalleled luxury and convenience with the NINE App, your premier gateway to the finest lifestyle experiences globally. NINE has forged partnerships with an exclusive network of world-class providers, ensuring that every desire, from exquisite dining to lavish accommodations, seamless travel, and captivating entertainment, is met with the highest standard of excellence. Every transaction through our Pay9 Card is rewarded which can be redeemed with our partners. Spend to earn! NINE empowers Web3 users by providing a seamless solution for spending globally. Through the Pay9 Card, users can effortlessly make payments at millions of merchant locations across 210 countries and territories worldwide. NINE offers users access to a wide selection of the hottest events throughout the world. NINE user benefits can include but is not limited to: priority access, exclusive access, giveaways, and other exciting rewards. NINE also allows our users to easily track and manage their finances through our app. Link your Pay9 Card to NINE app to track your spending and rewards.
Screenshots
Verdict
The clearest difference is ads: Pay9 at none against Holders's shown. Holders's advantage is update cadence (every 2 weeks vs every 3 weeks). On price, in-app purchases, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Holders ships an update every 2 weeks, Pay9 every 3 weeks. The most recent releases landed on October 24, 2026 and October 18, 2026 respectively.
| Parameter | Holders | Pay9 |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 2 weeks β better | Every 3 weeks |
| Ads | Yes | No β better |
| In-app purchases | No | No |
| Devices | iPhone, iPod β better | iPhone |
| Requires iOS | 15.1 β better | 16.6 |
| Further details β not scored | ||
| Size | 62 MB | 178 MB |
| Age rating | 4+ | 17+ |
| Developer | Whales Corp | Masterpay Global |
In-app purchases
Holders
No in-app purchases
Pay9
No in-app purchases









