Skip to contentMoney & business
Most recommended
- LinkedInRecommended for job listings, recruiter contact, B2B outreach and a public CV, though critics cite a feed of AI slop and cringe posts, invasive data use and shadowbans.214recommend
- StripeRecommended for fast signup, strong developer docs and an integrated payments API, though many warn of sudden account freezes or closures and fees that sting at scale.143recommend
- PayPalA convenient way to pay online without handing card or bank details to every merchant, with valued buyer protection; critics warn of sudden account locks, frozen funds and app breakage.103recommend
- Monero (XMR)Recommended as the cryptocurrency that is private and fungible by default, with low fees and a principled community; critics cite crime use, few merchants and no smart contracts.102recommend
- WeroPeople recommend Wero for instant, fee-free bank-to-bank payments using only a phone number, built on SEPA Instant as a European alternative to Visa and Mastercard. The most common caveat is that it requires a bank app and, in the critics' view, depends on Google or Apple phones.84recommend
- Apple PayRecommended for fast, secure tap and online checkout that works almost everywhere. Common caveat: it needs a phone and fails at some merchants.73recommend
- PolymarketRecommended for odds many see as accurate forecasts and betting without a house. Common caveat: insiders can profit and resolution rules can be unclear.72recommend
- CraigslistPeople recommend it for simple, free local buying, selling and job listings, with useful search filters and direct contact with sellers. The most common caveat is that scams are frequent and poorly prevented.70recommend
- PixFree, instant bank-to-bank transfers, praised as cheaper than card networks; critics object to government control and weak fraud recourse.65recommend
- Facebook MarketplaceRecommended for free local buying and selling, with fraud handling and reach people rate above Craigslist; the most common caveat is spam, scams and poor search.63recommend
- UPI (Unified Payments Interface)Instant, free bank-to-bank transfers that people in India use daily, praised for scale and convenience; the most common caveat is a poor experience for tourists.58recommend
- PatreonPeople recommend Patreon as a direct way to support creators with small recurring payments, often ad-free and with exclusive content. The most common caveat is its fees and the controversy over its iOS in-app purchase cut.55recommend
- ShopifyHosted store platform that lets non-technical sellers open and run an online shop quickly, and people find it solid and reliable. Critics cite weak support, glitchy software and rising prices.48recommend
- Ed Zitron newsletterRecommended for well-sourced financial reporting and raw figures on AI companies, with skepticism of AI hype. Critics say the tone is histrionic and one-sided.46recommend
- Mercury BankPeople recommend Mercury for fast account setup, a clean app and API-friendly business banking. The most common caveat is that it is a fintech, not an FDIC-insured bank.44recommend
- RevolutPeople recommend Revolut for cheap foreign-currency payments, disposable and virtual cards, and a banking app that works well for many travelers. The most common caveat is that accounts can be frozen or blocked with little warning and support is hard to reach.43recommend
- WisePeople recommend Wise for cheap international transfers and cards with fair exchange rates, usable without the app. Common caveat: accounts can be closed unexpectedly and funds are not government guaranteed.40recommend
- GNU TalerPeople recommend it for giving payers cash-like privacy while staying compatible with banks and taxes, as free software with no trusted operator. The common caveat is that payees are identified and it needs a connection to a central exchange.37recommend
- Bloomberg TerminalRecommended for deep financial data, especially fixed income, and a dense interface that lets traders scan quickly. Critics point to its high annual price.36recommend
- x402Open protocol that uses HTTP 402 so clients pay per request in stablecoins without accounts or API keys. Main caveat: on-chain costs and latency make tiny, high-volume payments impractical.35recommend
- SalesforceWidely used enterprise CRM with broad features, integrations and customization that large organizations rely on; critics say it is very expensive and often needs costly consultants.34recommend
- Visa cardWidely accepted, fast card payments with strong fraud protection and easy refunds, which people say are worth the fees. Critics most often object to high fees and the Visa-Mastercard duopoly.34recommend
- Apple iPhone Upgrade ProgramRecommended for no interest and an option to buy the phone out at the end; the most common caveat is that it keeps people on a perpetual upgrade cycle.34recommend
- Financial Times subscriptionPeople recommend it for solid, well-researched reporting and factual news. Common caveats: small print font, a difficult paywall and high cost.32recommend
- WealthfolioOpen-source investment tracker praised for its polished design and for keeping financial data out of third-party hands; critics say automatic account syncing and documentation are lacking.32recommend
- Lightning NetworkPeople recommend it for near-instant, cheap bitcoin payments, especially small ones. The most common caveat is centralization and unreliable fees.31recommend
- SAP ERPLarge enterprise suite with many premade business processes, valued for visibility and configurability. Common caveats are costly implementations, clunky user experience, and heavy customization causing upgrade headaches.30recommend
- iDEALBank-based Dutch online payment that is fast, simple and accepted almost everywhere in the Netherlands. Main caveat: no chargebacks, so refunds are hard if a merchant fails.30recommend
- Actual BudgetFree, open source envelope budgeting app that people recommend as a YNAB alternative, with bank import and local-first, self-hosted use.29recommend
- KalshiRecommended for useful real-time event probabilities and programmatic access; critics say it works mainly as sports betting with addiction and insider-trading concerns.29recommend