Comparison

Crypto Payments vs ₿21

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Crypto Payments

This app allows businesses to accept stablecoin payments from any crypto wallet and receive the funds directly in USD to their bank account. It simplifies crypto transactions for merchants without requiring prior crypto knowledge or hardware.

Highlights
  • Accept any stablecoin from any wallet
  • Receive USD directly to bank account
  • No crypto knowledge required
  • No volatile prices
  • No hardware needed
  • Sync with Square and QuickBooks
  • Merchant dashboard for transaction tracking
Read full description

Stable Genius turns your phone into a crypto payment terminal. Accept any stablecoin from any wallet — customers scan a QR code, and you get paid in dollars directly to your bank account. No crypto knowledge required. No volatile prices. No hardware needed. How it works: 1. A customer opens their wallet app (Coinbase, MetaMask, Rainbow, and more) 2. They scan your QR code 3. Stablecoins are converted and settled to your bank in dollars Setup in minutes: All you need is an email address and a bank account. Complete a quick identity verification, connect your bank, and start accepting payments immediately. Connects to your tools: Sync with Square, QuickBooks, and more from the Stable Genius merchant dashboard. Track every transaction, monitor settlement, and manage payouts. Built for merchants who want the benefits of crypto payments without the complexity. Whether you run a coffee shop, a retail store, or a service business — Stable Genius makes accepting crypto as simple as showing a QR code. Works with 100M+ crypto wallet users worldwide.

About

₿21

Features
Read full description

Bitcoin, and nothing else. BTC Wallet is a self-custody Bitcoin wallet for iPhone. Your recovery phrase is generated on your device, encrypted with a key held in your iPhone's Secure Enclave, and never transmitted anywhere. There is no account to create, no email to hand over, and no company standing between you and your money — including us. YOUR KEYS, ON YOUR DEVICE • A 12- or 24-word recovery phrase, generated on device and shown to you once • Stored encrypted in the Keychain, in a class Apple excludes from iCloud and iTunes backups • Unlocked with Face ID or Touch ID; decrypted only while you sign a payment you approved • Standard BIP39, BIP84 and BIP86 — your phrase restores in any compatible wallet, so you are never locked in • Already have a wallet? Sign in with its recovery phrase — any length from 12 to 24 words — or with its extended private key • Export the wallet's descriptors to watch the same balance from Bitcoin Core on your own node • Optional passphrase, and a choice of Taproot or Native SegWit addresses, for people who want it SEND AND RECEIVE WITH CARE • A review screen before every payment: recipient, amount, fee, and what is left afterwards • Pick a fee from live network estimates, or set your own • Stuck in the mempool? Bump the fee with RBF instead of starting over • Scan a QR code or paste an address — the app checks the network and the checksum, and warns you when an address merely resembles one you have paid before • A fresh receiving address each time, so you are not handing out the same one forever BUILT FOR PRIVACY • No account, no login, no email, no phone number • No analytics, no advertising, no tracking, no third-party SDKs • We run no server for this app and receive nothing from it. There is no database anywhere with your name in it • Point it at your own Bitcoin node and it talks only to your node — it will never quietly fall back to a public server DESIGNED TO GET OUT OF THE WAY • Monochrome, in light, dark, or whatever your system is set to • Tap the balance to switch between bitcoin and your local currency • A price chart on the home screen, over a week, a month, a year, or all of it • Notes on your transactions, so next year you still know what they were for • Lock the app behind Face ID, and a cover hides your balance in the app switcher HONEST ABOUT THE TRADE-OFFS Self-custody means nobody can freeze your funds, and nobody can restore them for you. Lose the recovery phrase and the bitcoin is gone — we cannot help, because we hold nothing. BTC Wallet says so plainly during setup, makes you verify the words before it will continue, and warns you the moment you take a screenshot of them. To read your balance and broadcast payments, the app queries public Bitcoin blockchain servers by default. Those servers can see your IP address and the addresses you ask about. This is stated in Settings, and connecting your own node removes it. Bitcoin only. No tokens, no swaps, no yield, no exchange, no ads.

Screenshots

Crypto Payments4 screens
₿214 screens

Verdict

The call

The clearest difference is update cadence: ₿21 at every 8 days against Crypto Payments's every 3 weeks. Crypto Payments's advantage is iOS requirement (15.1 vs 17.0). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Crypto Payments ships an update every 3 weeks, ₿21 every 8 days. The most recent releases landed on October 31, 2026 and October 29, 2026 respectively.

Scorecard2 real differences · 7 level
Crypto Payments versus ₿21: the parameters behind the verdict, then further details
ParameterCrypto Payments₿21
PriceFreeFree
Rating5.0 (3 ratings) — better—
Number of ratings3 — better—
Update frequencyEvery 3 weeksEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better17.0
Further details — not scored
Size70 MB11 MB
Age rating4+4+
DeveloperAlpha Collective, Inc.Paxa Media

In-app purchases

None

Crypto Payments

No in-app purchases

None

₿21

No in-app purchases

Questions

Is Crypto Payments free?
Crypto Payments is free to download, with no in-app purchases.
Is ₿21 free?
₿21 is free to download, with no in-app purchases.
Do Crypto Payments or ₿21 have ads?
Neither Crypto Payments nor ₿21 shows ads.
Which is updated more often, Crypto Payments or ₿21?
Crypto Payments ships an update every 3 weeks, and ₿21 every 8 days. Most recently, Crypto Payments was updated on October 31, 2026 and ₿21 on October 29, 2026.

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