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Software · head to head

Argent vs Cash App

Argent logo

Argent

Software

The smart wallet for DeFi and NFTs

From
Free
Rated
-
Full reviewWebsite
Cash App logo

Cash App

Software

Money sent in seconds

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Argent renamed Ready, and argent.xyz now redirects to ready.co, so the Argent name is retired; Cash App the App Store listing states free ATM withdrawals and up to 200 dollars in free overdraft coverage on the Cash App Card are only available once a user qualifies for Green status, not to all users by default.
  • They diverge on capability: Argent covers Smart Contract Wallet, Cash App covers Money transfers.

Where they differ

Only the attributes on which Argent and Cash App actually diverge.

Attributes where Argent and Cash App differ
AttributeArgentCash App
Founded20182013

Identical on both: starting price (Free), pricing model (free), free tier (Yes), platforms (Ios, Android), 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 Argent

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

Only in Cash App

  • Money transfers
  • Direct deposit
  • Bitcoin trading
  • Stock investing
  • Bank accounts
  • Cash Card
  • IOS support

Both cover

  • Android support

What people use each for

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

Argent

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

Cash App

  • Budget Managementnot Argent
  • Expense Trackingnot Argent
  • Investment Trackingnot Argent

Where each one falls short

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

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

Cash App

  • The App Store listing states free ATM withdrawals and up to 200 dollars in free overdraft coverage on the Cash App Card are only available once a user qualifies for Green status, not to all users by default.

Pricing, plan by plan

Argent

Free
  • FreeFree
    • Smart wallet
    • Social recovery
    • DeFi

Cash App

Free
  • FreeFree
    • Money transfers
    • Direct deposit
    • Mobile app
  • Cash App Investing$undefined/month
    • Stock trading
    • Bitcoin trading

Which should you pick?

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

Choose Cash App if

  • You need money transfers.
  • You want to start without paying.
  • You work on IOS, Android.
  • You also want direct deposit.
Cash App review

Questions people ask

Is Argent or Cash App better?
Neither clearly leads. Argent starts at Free and Cash App at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Argent or Cash App?
Argent starts at Free and Cash App at Free.
Does Argent or Cash App run on more platforms?
Argent runs on Ios, Android. Cash App runs on IOS, Android.
Can I use Argent for free?
Both have a free tier, so you can try either at no cost before committing.
What is Argent best used for?
Argent is most often used for self-custodial wallet on mobile, holding digital dollars under your own control, spending through a virtual card with apple pay or google pay, connecting to dapps through walletconnect. Of those, self-custodial wallet on mobile and holding digital dollars under your own control are not what Cash App is typically brought in for.
What can Argent do that Cash App cannot?
Argent covers Smart Contract Wallet, Social Recovery, No Seed Phrase, Built-in DeFi. Cash App covers Money transfers, Direct deposit, Bitcoin trading, Stock investing. Both handle Android support.
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