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Apple Pay vs Argent

Apple Pay logo

Apple Pay

Software

The easier way to pay and send money

From
Free
Rated
-
Full reviewWebsite
Argent logo

Argent

Software

The smart wallet for DeFi and NFTs

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Apple Pay apple Pay works only in countries and regions that support contactless payments and is not available in all markets; Argent renamed Ready, and argent.xyz now redirects to ready.co, so the Argent name is retired
  • They diverge on capability: Apple Pay covers Digital wallet, Argent covers Smart Contract Wallet.

Where they differ

Only the attributes on which Apple Pay and Argent actually diverge.

Attributes where Apple Pay and Argent differ
AttributeApple PayArgent
PlatformsIOS, WatchOS, MacOSIos, Android
Founded20142018

Identical on both: starting price (Free), pricing model (free), free tier (Yes), user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Apple Pay

  • Digital wallet
  • Secure payments
  • Contactless transactions
  • P2P money transfers
  • Credit cards
  • Debit cards
  • Bank accounts
  • IOS support

Only in Argent

  • Smart Contract Wallet
  • Social Recovery
  • No Seed Phrase
  • Built-in DeFi
  • NFT Support
  • Ethereum
  • zkSync
  • Starknet

What people use each for

The jobs each tool is most often brought in to do.

Apple Pay

  • Contactless in store payment from iPhone and Apple Watchnot Argent
  • Paying in apps and on the web without entering card detailsnot Argent
  • Sending money between Apple users with Apple Cash and Tap to Cashnot Argent

Argent

  • Self-custodial wallet on mobilenot Apple Pay
  • Holding digital dollars under your own controlnot Apple Pay
  • Spending through a virtual card with Apple Pay or Google Paynot Apple Pay
  • Connecting to dapps through WalletConnectnot Apple Pay

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Apple Pay

  • Apple Pay works only in countries and regions that support contactless payments and is not available in all markets
  • Apple Cash is available only in the 50 United States, the District of Columbia and Puerto Rico
  • Apple Cash Family accounts and Tap to Cash transactions are each capped at 2000 USD within a rolling seven day period
  • Mac support requires a Touch ID equipped model
  • A card works only if the issuing bank supports Apple Pay, and banks may charge their own overseas usage fees

Argent

  • Renamed Ready, and argent.xyz now redirects to ready.co, so the Argent name is retired
  • The product has shifted toward community cards and digital dollars rather than being presented purely as a crypto wallet
  • Supported chains are no longer listed on the main site

Pricing, plan by plan

Apple Pay

Free
  • FreeFree
    • Secure payments
    • P2P transfers
    • Transit passes

Argent

Free
  • FreeFree
    • Smart wallet
    • Social recovery
    • DeFi

Which should you pick?

Choose Apple Pay if

  • You need digital wallet.
  • You want to start without paying.
  • You work on IOS, WatchOS, MacOS.
  • You also want secure payments.
Apple Pay review

Choose Argent if

  • You need smart contract wallet.
  • You want to start without paying.
  • You work on Ios, Android.
  • You also want social recovery.
Argent review

Questions people ask

Is Apple Pay or Argent better?
Neither clearly leads. Apple Pay starts at Free and Argent at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Apple Pay or Argent?
Apple Pay starts at Free and Argent at Free.
Does Apple Pay or Argent run on more platforms?
Apple Pay runs on IOS, WatchOS, MacOS. Argent runs on Ios, Android.
Can I use Apple Pay for free?
Both have a free tier, so you can try either at no cost before committing.
What is Apple Pay best used for?
Apple Pay is most often used for contactless in store payment from iphone and apple watch, paying in apps and on the web without entering card details, sending money between apple users with apple cash and tap to cash. Of those, contactless in store payment from iphone and apple watch and paying in apps and on the web without entering card details are not what Argent is typically brought in for.
What can Apple Pay do that Argent cannot?
Apple Pay covers Digital wallet, Secure payments, Contactless transactions, P2P money transfers. Argent covers Smart Contract Wallet, Social Recovery, No Seed Phrase, Built-in DeFi.
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