Payments · Alternatives
The best Four alternatives in 2026
Four is a US buy now, pay later app that splits purchases into four biweekly payments using a one-time virtual card; it is not a crypto project. If Four is not the right fit, these 12 reviewed Payments options are the closest matches, ranked by DappsAtlas score. Read our full Four review
At a glance
Four vs the alternatives
| dApp | Score | TVL | Chains |
|---|---|---|---|
| Score 5.8 out of 10 | — | — | |
| Score 8.0 out of 10 | — | — | |
| Score 7.8 out of 10 | — | — | |
| Score 6.2 out of 10 | — | — | |
| Score 5.8 out of 10 | — | — | |
| Score 6.5 out of 10 | — | — | |
| Score 6.5 out of 10 | — | — | |
| Score 8.0 out of 10 | $1.76M | 28 | |
| Score 7.4 out of 10 | $10.3M | 6 | |
| Score 7.4 out of 10 | $2.07M | 22 | |
| Score 7.4 out of 10 | $0 | 1 | |
| Score 7.3 out of 10 | $5.38M | 10 | |
| Score 7.2 out of 10 | $485K | 26 |
Ranked
Top Four alternatives
- 1
Wise
Payments
Wise is a regulated-style international account for sending, holding and spending money in many currencies, not a crypto product. Its main strength is clear, low-cost currency conversion; its main limit is that it does not allow crypto activity.
ScoreScore 8.0 out of 10TVL — - 2
Fungies
Payments
Fungies is a Merchant of Record platform that handles checkout, VAT and sales tax for SaaS, games and digital products. It is free to start and takes 5% + 50¢ per sale.
ScoreScore 7.8 out of 10TVL — - 3
Ready
Payments
Ready Credit provides cash-to-card kiosks, prepaid card programs, transit payment tools, and digital payment services for businesses. Its main appeal is helping organizations serve cash-paying customers without handling cash at each point of sale; pricing and program terms need to be confirmed directly.
ScoreScore 6.2 out of 10TVL — - 4
Skyline
Payments
Skyline Digital offers Web3 businesses, founders and DAOs crypto-to-fiat payments, OTC trades and other financial services. Its non-custodial positioning is appealing, but detailed fees, security information and operating mechanics are not published.
ScoreScore 5.8 out of 10TVL — - 5
Wall App
Payments
Wallbit is a global finance app for receiving dollar payments, spending with an international Visa card, transferring money into local currencies, and investing in U.S. stocks and ETFs. Its listed fees are low for several services, but account eligibility, full charges and financial-provider details need checking.
ScoreScore 6.5 out of 10TVL — - 6
Aircash
Payments
Aircash is a mobile e-money app for transfers, cash top-ups, bill payments and Mastercard spending, with crypto investing offered through Bitpanda. Check transaction fees and local availability before relying on it.
ScoreScore 6.5 out of 10TVL — - 7
Sablier Lockup
Payments · Ethereum, Polygon, Arbitrum +25
Sablier Lockup is a permissionless protocol for onchain token vesting and airdrops, used by DAOs and businesses on many EVM chains. It is a focused, audited tool, though fees and some chain details need checking before use.
ScoreScore 8.0 out of 10TVL $1.76M−8.2% - 8
Streamflow
Payments · Solana, Aptos, BNB Chain +3
Streamflow is a Solana-focused platform for token vesting, airdrops, staking and locks, with about $10.9M TVL on DefiLlama. It suits teams that want on-chain distribution, but fee details are not in the material reviewed.
ScoreScore 7.4 out of 10TVL $10.3M−7.7% - 9
LlamaPay
Payments · BNB Chain, Arbitrum, Ethereum +19
LlamaPay is a multi-chain protocol that streams crypto payments by the second, so recipients can withdraw what they have earned at any time. It suits DAOs and crypto-native teams that pay in stablecoins and want to skip manual monthly transfers.
ScoreScore 7.4 out of 10TVL $2.07M+5.2% - 10
Telcoin
Payments · Polygon
Telcoin combines a mobile wallet, e-wallet remittances, multi-currency stablecoins and a Nebraska-chartered digital asset bank, with the TEL token at the center of its ecosystem. Its regulated banking angle is the main draw, but regional availability and fee detail vary.
ScoreScore 7.4 out of 10TVL $0 - 11
Superfluid
Payments · Optimism, Base, Polygon +7
Superfluid is a money streaming protocol that moves tokens between addresses continuously, by the second, across ten EVM networks. It suits builders and crypto-native teams, while casual users should expect a learning curve.
ScoreScore 7.3 out of 10TVL $5.38M−2.6% - 12
Sablier Flow
Payments · Ethereum, Arbitrum, Base +23
Sablier Flow lets a sender pay a recipient at a constant per-second rate and top up the balance over time. It suits recurring pay such as salaries and contributor budgets, but usage is still modest.
ScoreScore 7.2 out of 10TVL $485K−11.9%