QashX vs PACTLY@
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
QashX
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Experience the freedom of stablecoins. Seamlessly convert and manage stablecoins, USD, and EUR all in one secure, global account. QashX is built for modern professionals everywhere. Freelancers and expats use QashX to send, receive, and store dollars from anywhere in the world. Open USD/EUR virtual bank accounts in your name and seamlessly make or receive ACH, Wire, and SEPA payments. Send peer-to-peer transfers, send and receive crypto, and create payment links. For businesses and platforms, QashX offers professional invoicing to bill customers globally with flexible payment options including traditional banking and cryptocurrency. Mass payouts, treasury management, and built-in compliance included. Coming soon: Get your QashX card and spend your dollars anywhere with virtual card and global acceptance. Ready to simplify your money? Join thousands already using stablecoins without the complexity. Secure, fast, and borderless.
PACTLY@
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Pactly · Clear accounts keep friendships strong You lent your friend $20 for the movies? Running a family tontine? Splitting rent with your roommates? Pactly turns these awkward money moments into clear, calm agreements. — A pact is sacred. Every cent validated on both sides. — LOANS BETWEEN FRIENDS, IN TOTAL CONFIDENCE • Create a loan in 10 seconds, the other party validates with a tap. • Every repayment requires both parties to approve. • Attach payment proof (photo, transfer screenshot) in a few taps. • Clear deadlines: automatic reminders before due date. TONTINES & ROSCAs • Create a rotating savings group with friends or family. • Track contributions and payouts in real time. • Tontine Mirror AI suggests the best partners based on trust scores. OBJECT LOANS • Lend your book, camera, tools… without ever forgetting. • QR code scanning for instant identification. • Photo of the item before lending + automatic return reminder. SHARED BILLS & EXPENSES • Split rent, groceries, nights out. • Auto-calculates who owes whom. • PDF export of monthly statements (admin-friendly). SECURITY & PRIVACY • Face ID / Touch ID to unlock the app. • Incognito mode hides amounts in public. • End-to-end encrypted conversations. • GDPR-compliant, data stored in Europe. INTERNATIONAL • Available in French, English, Spanish, German, Italian, Portuguese, Dutch, Arabic (RTL), Turkish, Romanian, Polish, and Russian. • Multi-currency (USD, EUR, GBP, CHF…). PACTLY PREMIUM (optional) • Unlimited loans and tontines. • Monthly PDF statement export. • Advanced multi-level reminders. • Unlimited history and statistics. • Extended Trust Score with AI coach. • Priority support. Pricing: • Monthly: $14.99/month • Annual: $129.99/year (save 28%) Secure payment via Apple In-App Purchase. No hidden commitments. Cancel anytime from Settings › Apple ID › Subscriptions. FREE FEATURES • 3 simultaneous active loans free. • Unlimited bilateral validation. • Real-time notifications. • Multi-device sync. — Pactly is designed to preserve your friendships by making accounts transparent and calm. No more arguments, no more failing memory, no more awkward "did you pay me back?" moments. Just a clear pact, validated on both sides. Download Pactly today and rediscover the joy of lending without worry. — Support: support@pactly.app Terms: https://pactly.app/terms Privacy: https://pactly.app/privacy
Screenshots
Verdict
The clearest difference is in-app purchases: QashX at none against PACTLY@'s 2. PACTLY@'s advantage is update cadence (every 2 days vs monthly). On price, ads, device support and iOS requirement 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
Both are free to download. PACTLY@ sells 2 in-app purchases, starting at $3.99 per month. QashX asks for nothing beyond the download.
QashX ships an update monthly, PACTLY@ every 2 days. The most recent releases landed on September 30, 2026 and October 1, 2026 respectively.
| Parameter | QashX | PACTLY@ |
|---|---|---|
| Price | Free | Free |
| Update frequency | Monthly | Every 2 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 53 MB | 47 MB |
| Age rating | 4+ | 17+ |
| Developer | Quantum X Pay Inc | christopher de neef |
In-app purchases
QashX
No in-app purchases
PACTLY@
- Pactly Premium - Mensuel$3.991 Month
- Pactly Premium - Annual.$34.991 Year









