Surge Credit vs SpacesWallet
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Surge Credit
Access a Bitcoin-native dollar credit line without selling your cryptocurrency. Control your funds with a self-custodial wallet, lock Bitcoin as collateral, and draw funds instantly. Enjoy flexible repayment and verifiable on-chain security.
- Bitcoin-native credit line
- Self-custodial wallet
- Verifiable on-chain collateral
- Flexible repayment options
- Rates from 6.9% APR
- Draw funds as USDC or gift cards
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Surge Credit is a Bitcoin-native dollar credit line. Not a loan - a revolving credit line you control. Draw what you need, repay when you want, re-borrow without reapplying. Your Bitcoin stays in verifiable Taproot vaults on the Bitcoin blockchain. Always. How it works: 1. Set up your wallet - create a self-custodial wallet in-app or connect your own. Your keys, always. 2. Choose your credit line - set your amount, pick variable or fixed rates 3. Lock your Bitcoin - deposit BTC into your Taproot vault, verified on-chain in ~30 minutes 4. Get your credit - funds arrive instantly, send USDC or spend with gift cards Why Surge Credit: Non-custodial - Surge never holds your Bitcoin or stablecoins. Zero rehypothecation - your collateral doesn’t get lent out, traded, or moved. Verifiable on-chain - inspect your Taproot vault anytime. Don’t trust, verify. Unilateral exit - repaid your line but collateral isn’t released? Take it back yourself. No permission needed. Enforced by Bitcoin. Health monitoring - live health meter tracks your collateral ratio. Notifications at every stage so you’re never caught off guard. Flexible repayment - no fixed terms, no schedules, no penalties. Repay any amount, anytime. Rates from 6.9% APR - variable rates that adjust with market demand, or lock in at 9.9% fixed. Spend your way: → Send USDC anywhere, instantly → Spend with gift cards → Bank transfers and card spending coming soon Built different: → No KYC → No token → No middlemen → Bitcoin-native collateral — no wrapping, no bridging → 12-month term, rollover anytime Surge Credit is built for Bitcoiners who refuse to compromise on custody to access liquidity. Your Bitcoin. Your terms.
SpacesWallet
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Spaces is a naming protocol native to Bitcoin. Names live off-chain — Bitcoin anchors trust
Screenshots
Verdict
Surge Credit and SpacesWallet are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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. Neither carries in-app purchases, so what you see is what you pay.
Surge Credit ships an update every 3 weeks, SpacesWallet every 2 weeks. The most recent releases landed on October 12, 2026 and October 28, 2026 respectively.
| Parameter | Surge Credit | SpacesWallet |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (5 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 5 — better | — |
| Update frequency | Every 3 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 58 MB | 137 MB |
| Age rating | 4+ | 4+ |
| Developer | Surge Credit | Lunde Cognitive Effects, Inc. |
In-app purchases
Surge Credit
No in-app purchases
SpacesWallet
No in-app purchases
