Payd vs Horizon Sigma
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
Payd
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PayD is a digital payment app designed for international visitors in Vietnam. It allows you to pay instantly at local merchants using USDT, credit cards, or mobile wallets; eliminating the need for cash exchanges and high foreign transaction fees. Top up your balance, scan any supported local QR code, and pay seamlessly in seconds. Key Features: - Crypto & USDT Payments: Spend USDT directly at supported local businesses across Da Nang. - No Bank Account Required: Top up and pay straight from your crypto wallet. - Multiple Payment Options: Full support for USDT, Visa, Mastercard, Apple Pay, and Google Pay. - Fair & Transparent FX: Competitive exchange rates with zero tourist markups; view exact costs before confirming every transaction. - Instant QR Scanning: Scan local merchant QR codes and complete payments in seconds. - Bank-Grade Security: Funds and personal data protected to international security and encryption standards. - Seamless Local Experience: Skip exchange counters and cash confusion; pay the way Vietnamese pays. How PayD Works 1. Top Up: Load funds using USDT, or pay directly via Cards, Apple Pay, or Google Pay. 2. Scan QR: Open the app and scan the merchant's QR code at supported venues. 3. Confirm: Check the conversion rate and approve your transaction instantly. Customer Support Need assistance with a payment or top-up? Our support team is available 24/7 in-app or via support@payd.com. PayD - Pay Crypto, Go Local.
Horizon Sigma
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Horizon Sigma is a cutting-edge technology platform providing high-precision trading signals driven by quantitative models and real-time market data. Our system leverages advanced algorithms to deliver actionable insights and robust risk management tools to optimize portfolios and maximize overall investment efficiency for our users. - Trading Signals Access the latest quantitative market signals as soon as they are published to stay ahead of the curve. - Order Tracking Follow buy and sell entries with complete transparency on timing, price, and positioning. - NAV Updates Monitor your portfolio's health with real-time updates on your Net Asset Value (NAV). - Performance Overview Review historical returns, track drawdowns, and analyze key performance metrics at a glance through our intuitive dashboard.
Screenshots
Verdict
The clearest difference is update cadence: Horizon Sigma at every 5 days against Payd's fortnightly. Horizon Sigma also leads on iOS requirement (13.0 vs 16.6). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Payd ships an update fortnightly, Horizon Sigma every 5 days. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.
| Parameter | Payd | Horizon Sigma |
|---|---|---|
| Price | Free | Free |
| Update frequency | Fortnightly | Every 5 days โ better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone | iPhone, iPod โ better |
| Requires iOS | 16.6 | 13.0 โ better |
| Further details โ not scored | ||
| Size | 86 MB | 27 MB |
| Age rating | 4+ | 17+ |
| Developer | Payd Joint Stock Company | Hoang Hiep Ung |
In-app purchases
Payd
No in-app purchases
Horizon Sigma
No in-app purchases









