SmashPay vs MTX PAY
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
SmashPay
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SmashPay is a financial technology platform that enables fast, secure, and seamless global payments. Send and receive money internationally, manage multi-currency balances, and access modern payment infrastructure built for individuals and businesses. Key Features: โข Global money transfers across multiple countries โข Multi-currency accounts with real-time foreign exchange โข Payment processing and payout capabilities โข Secure account management and transaction monitoring SmashPay operates as a registered Money Services Business (MSB) in the United States and complies with applicable financial regulations, including anti-money laundering and sanctions requirements. Certain features, including digital asset-enabled transactions, may be provided through regulated partners and are subject to jurisdictional availability.
MTX PAY
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MTXPay โ Your Money. Your Keys. Your Flow. MTXPay is a self-custodial financial app built for a borderless, on-chain world. Manage your money, digital assets, payments, and spending from one simple experience while keeping control of your assets. BANK, SPEND & MANAGE Bring fiat, stablecoins, and crypto together in one account. Fund your balance, manage your assets, send money, and keep track of your transactions from a single interface. SELF-CUSTODY MTXPay is designed around self-custody, giving you control of your keys and assets. Your wallet remains yours while you access everyday financial tools through a streamlined experience. MTXPAY CARD Spend from your wallet with MTXPay physical and virtual cards. Use your card online, in-store, or wherever supported to make everyday purchases while staying connected to your digital assets. SEND MONEY GLOBALLY Move funds between your crypto wallet, bank account, and card account with an experience designed for cross-border payments. Manage your transfers without juggling multiple financial apps. MULTI-ASSET ACCESS View and manage supported fiat currencies, stablecoins, and crypto assets from one place. MTXPay brings multiple financial rails together into a unified balance and experience. ORIGIN Put eligible idle balances to work with MTXPay Origin, providing access to transparent, on-chain yield opportunities directly within your account. SECURITY Protect your account with features including passcode protection, biometric authentication, and additional security controls designed to help keep your account and transactions protected. REWARDS Eligible users can access rewards such as stablecoin cashback and referral benefits when available. MTXPay brings traditional finance and Web3 together โ giving you the tools to bank, spend, send, and manage digital assets while maintaining control. Your money. Your keys. Your flow.
Screenshots
Verdict
SmashPay and MTX PAY are too close to call on the numbers: across 6 compared parameters โ price, update cadence, ads and in-app purchases among them โ neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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.
SmashPay ships an update weekly, MTX PAY every 6 days. The most recent releases landed on October 28, 2026 and October 31, 2026 respectively.
| Parameter | SmashPay | MTX PAY |
|---|---|---|
| Price | Free | Free |
| Update frequency | Weekly | Every 6 days โ better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod โ better | iPhone, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details โ not scored | ||
| Size | 68 MB | 75 MB |
| Age rating | 12+ | 4+ |
| Developer | SmashTech | river limited |
In-app purchases
SmashPay
No in-app purchases
MTX PAY
No in-app purchases









