Crypto payments and spending tools now span everything from instant, browser-based wallets to phone-number remittances and full-stack merchant platforms. The most compelling options smooth over the “wrong network / wrong address” mess that still makes crypto feel clunky for everyday use, a pain point captured well in the push for a more
"Alipay experience" on-chain.
Beam
Beam stands out by removing nearly all onboarding friction: it’s a self-custody payments wallet where there’s
no download or signup required, so you can get to “send money” immediately. The product pitch is intentionally mainstream—more like Venmo than a DeFi dashboard—while keeping the self-custody model for users who don’t want custodial holds or account gatekeeping.
Best for
- People who want a super-fast start to stablecoin-style payments
- Sending money to friends/clients who will bounce if they must install an app
- Users who like self-custody but hate crypto setup rituals
SukuPay
SukuPay’s differentiator is its phone-number-first flow: sending and receiving money via a number is familiar everywhere, and SukuPay leans into that with the framing of a
"global venmo". That’s a fundamentally different approach from card-based spend tools—it’s about reach and convenience for cross-border transfers, especially when the recipient doesn’t want another finance app.
Best for
- Cross-border remittances where the recipient experience must be simple
- Paying people who aren’t crypto-native (or don’t want to be)
- Quick, lightweight P2P transfers that feel like messaging
Leto – Payment Crypto Wallet
Leto is purpose-built for stablecoin payments with a UX that tries to eliminate the two biggest friction points: unpredictable gas costs and confusing addresses. It highlights USD-denominated fees (so costs are easier to reason about) and “send by phone/link” mechanics that mirror how people share payment requests in web2.
It also resonates with users who value a stablecoin-first wallet experience, reflected in repeated perfect scores—like the
5/5 rating from Tim and the
5/5 rating from Artem Bukharin. The end result is a wallet that’s less about trading and more about reliably moving stablecoins.
Best for
- Stablecoin-heavy users who want predictable fee UX
- P2P payments where “share a link” beats “copy an address”
- Remittances and everyday transfers across common token standards
Cryptomus
Cryptomus is a strong alternative when the goal isn’t just spending or sending—it’s running crypto payments as a business. Its key differentiator is being a broader crypto platform: wallets plus exchange functionality plus a merchant payment stack, which makes it easier for teams to unify acceptance, settlement, and operational workflows.
Best for
- Merchants and SaaS businesses that need a crypto payment gateway
- Teams that want trading + payments in one place
- Operators who care more about infrastructure than a consumer card UX
Shakepay
Shakepay is the most “traditional money app” option here—focused on a single country and built to feel native to local banking rails. For Canadians, it shines by blending crypto on-ramps with day-to-day money features, including the launch of
direct deposit, bill pay, and easy transfers alongside BTC/ETH functionality.
The product is also meaningfully community-driven, with consistently enthusiastic ratings like a
5/5 rating from Jace Crawford and a
5/5 rating from Remy, reinforcing that the “crypto + everyday payments” bundle works particularly well in its home market.
Best for
- Canadians who want fast CAD-to-crypto plus everyday banking-like features
- Users who like earning crypto rewards while spending
- People who prefer a regulated, local-first app over global card programs
