Comparison

Crypay vs OwnKey

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

Head to head
About

Crypay

Features
Read full description

Crypay – Crypto Wallet & Payment Card Crypay is a secure digital asset wallet and crypto payment application designed to help users manage and utilize cryptocurrencies with ease. The platform enables users to securely store supported digital assets, monitor balances, and access virtual or physical payment card solutions for convenient everyday spending. Key Features • Secure Account Registration & Identity Verification (KYC) • Multi-Asset Digital Wallet • Deposit, Store & Manage Supported Cryptocurrencies • Apply for Virtual & Physical Payment Cards • Card Management & Spending Controls • Real-Time Transaction Tracking • Crypto-Based Card Funding • Detailed Transaction History • Advanced Security & Fraud Protection • Simple & Intuitive User Experience Crypay is focused on delivering a secure, transparent, and compliant digital asset experience. Users can manage their crypto holdings and access payment solutions through trusted financial and technology partners. Disclaimer Cryptocurrency-related services may be subject to regional availability and applicable regulatory requirements. Payment card services are provided through authorized financial partners where applicable.

About

OwnKey

Manage your cryptocurrency with a self-custodial wallet and a built-in debit card. Easily buy crypto with a credit card and spend digital assets anywhere Visa or Mastercard is accepted. Pay gas fees across all networks using a single native coin.

Highlights
  • Self-custodial crypto wallet
  • Crypto debit card with Apple Pay
  • Instant crypto-to-fiat conversion
  • Buy crypto with credit card
  • Pay gas fees in native coin
  • Biometric wallet protection
  • Crypto cashback rewards
Features
Read full description

OwnKey is a secure self-custodial crypto wallet featuring a built-in debit crypto card and an instant On-Ramp gateway to buy cryptocurrency with a credit card. Spend Bitcoin (BTC), Ethereum (ETH), Tether (USDT), USD Coin (USDC), and other tokens on everyday purchases in shops, cafes, and online anywhere Visa and Mastercard are accepted. Download the OwnKey crypto wallet, pass a quick verification, and issue a virtual or plastic crypto card right inside the app. Our debit crypto card supports contactless payments via Apple Pay. Simply tap your phone at any POS terminal: the system instantly performs a crypto-to-fiat conversion at favorable rates. The merchant receives regular fiat money, and the equivalent is deducted from your crypto balance. The main feature of our ecosystem is paying gas fees in our native coin. Forget about the confusion with network fees across different blockchains. To transfer USDT or make a payment, you no longer need to buy and hold Ethereum, BNB, or Solana just to cover network fees. In OwnKey, all transaction fees across any blockchain (EVM, Solana, Bitcoin) are automatically paid in our native coin. This makes Web3 transfers and transactions simple for everyone. OwnKey is a fully self-custodial wallet. The private keys and backup recovery phrase (seed phrase) belong exclusively to you and are stored only on your device. No bank, exchange, or third-party service has access to your funds. Protect your wallet using biometrics (Face ID / Touch ID) and forget about the risk of account freezes often experienced on centralized crypto exchanges. Your cryptocurrency is under your full and absolute control. The built-in On-Ramp gateway allows you to buy cryptocurrency (Bitcoin, stablecoins, altcoins) with fiat in one click. Top up your balance using debit cards, credit cards, SEPA, SWIFT, or instant payment systems. Fast crypto exchange and instant cash-out to your card make managing your finances completely seamless. Use your OwnKey debit card to pay for goods and services and earn crypto cashback on every transaction. Accumulate bonuses, unlock new loyalty program levels, and lower your fees for swapping and sending tokens. The app features a simple user interface where you can easily track your balance, view transaction history, and manage your crypto cards. Our customer support team is available 24/7 to quickly resolve any questions regarding the wallet or card. Key features of OwnKey: Secure self-custodial crypto wallet (Self-custody Web3 Wallet) Debit crypto card (Crypto Card Visa/Mastercard) with Apple Pay support Instant crypto-to-fiat conversion at checkout Buy crypto with card Pay gas fees for all networks in our native coin Absolute control over your private keys and recovery phrase (Seed Phrase) Wallet protection powered by biometrics (Face ID / Touch ID) High crypto cashback rewards for everyday payments Secure storage for Bitcoin, USDT, USDC, ETH, and hundreds of other tokens in one place 24/7 customer support Install OwnKey to securely store, profitably buy, and easily spend cryptocurrency every day!

Screenshots

Crypay4 screens
OwnKey4 screens

Verdict

The call

Crypay and OwnKey are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

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

ScorecardNo meaningful differences
Crypay versus OwnKey: the parameters behind the verdict, then further details
ParameterCrypayOwnKey
PriceFreeFree
Rating—5.0 (1 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—1 — better
Update frequency—Every 2 days
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size56 MB56 MB
Age rating17+12+
DeveloperVeltora Global LimitedOwnKey

In-app purchases

None

Crypay

No in-app purchases

None

OwnKey

No in-app purchases

Questions

Is Crypay free?
Crypay is free to download, with no in-app purchases.
Is OwnKey free?
OwnKey is free to download, with no in-app purchases.
Do Crypay or OwnKey have ads?
Neither Crypay nor OwnKey shows ads.

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