1-Concept- Paytm wallet is based on concept of Paytm money transactions only.Paytm devolped a new app just for money transfe.Transfer is also available in Paytm apk.
2-Look & Design- Well designed app but not so attractive that one must have wallets app for paytm transactions.
3- Feature-Only Money transfer feature is given in this app.Totally wrost feature.
4-Unusefull-No use of this apk because we can do anything in Paytm official app comparing to paytm wallets app.