SurfCash vs CacaoCash
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SurfCash
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SurfCash — Spend, Send, Earn & Travel with Crypto The easiest way to put your crypto to work — pay anywhere, earn yield, borrow cash, and stay connected abroad with crypto-powered eSIMs. STAY CONNECTED ANYWHERE Buy eSIMs for 190+ countries with crypto. Install in seconds, activate on arrival, skip roaming fees. EARN ON YOUR STABLECOINS Grow idle crypto with transparent on-chain yield. Choose from earning options including USD* Protected and Breeze — no lockups, no banks. BORROW AGAINST YOUR CRYPTO Need cash without selling? Use your crypto as collateral and unlock instant liquidity inside the app. SPEND & CONVERT Convert USDC to local currency in seconds. Pay via VietQR, PromptPay, PIX, and more across Asia and Latin America. SEND & SWAP Send crypto to friends by username or QR code. Swap between USDC, SOL, SURF, and more in a few taps. STAKE & EARN REWARDS Stake SURF to earn weekly rewards, delivered as scratch cards you reveal to claim. NON-CUSTODIAL & SECURE Your keys, your crypto. Funds are secured on your device — we never have access. PASSPORT Find crypto-friendly restaurants, cafes, and shops near you on the interactive map. EVERYTHING IN ONE APP: • eSIMs in 190+ countries • Earn yield with USD* Protected & Breeze • Borrow against your crypto • USDC to local currency conversion • Non-custodial wallet • Send by username, pay by QR • Token swaps (USDC, SOL, SURF + more) • SURF staking with scratch card rewards • Referral rewards • Apple Sign In support SurfCash is not a bank. We're a bridge between crypto and everyday life — spend, earn, borrow, or travel, all from one app.
CacaoCash
Facilitate seamless financial transactions in Latin America. This app allows users to pay with local QR codes, transfer funds to local bank accounts, and deposit money from various international locations. Earn cashback rewards on every transaction made.
- Local QR code payments
- Fund transfers to local banks
- International deposits (US, EU, UK)
- Cashback rewards on purchases
- Spend like a local
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CacaoCash lets travelers and expats spend like a local in Latin America. Pay with local QR codes, transfer funds to local bank accounts, deposit from the US, EU, or the UK, and earn cashback on all of your purchases.
Screenshots
Verdict
The clearest difference is update cadence: CacaoCash at every 2 days against SurfCash's fortnightly. On price, ads, in-app purchases and device support 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. Neither carries in-app purchases, so what you see is what you pay.
SurfCash ships an update fortnightly, CacaoCash every 2 days. Both last shipped on September 21, 2026.
| Parameter | SurfCash | CacaoCash |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (2 ratings) — better |
| Number of ratings | — | 2 — better |
| Update frequency | Fortnightly | Every 2 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 101 MB | 73 MB |
| Age rating | 17+ | 4+ |
| Developer | Laughing Buddha Ventures Ltd | DEKSxyz, Inc. |
In-app purchases
SurfCash
No in-app purchases
CacaoCash
No in-app purchases
