Technologies
Download iOS 16.4 on Your iPhone: What to Know Before Updating
Features include 21 new emoji, voice isolation for better phone call quality and more.
This story is part of Focal Point iPhone 2023, CNET’s collection of news, tips and advice around Apple’s most popular product.
Apple has released iOS 16.4 for the iPhone. The latest iOS software update adds several new features, like 21 new emoji (including shaking face, light blue heart and donkey) and a voice isolation feature for cellular phone calls, which blocks out ambient noises to make your voice clearer.


iOS 16.4 also adds Safari-based push notifications, duplicates album support for the iCloud Shared Photo Library, crash-detection optimizations for the iPhone 14 series, VoiceOver support for maps in the Weather app, bug fixes, security updates and more.
Read on for a step-by-step guide to the process of putting iOS 16.4 on your compatible iPhone. You can also check out some of the best existing features on iOS 16 and a few hidden features we were surprised to find. And if you recently got a new iPhone, here are the best iPhone 14 cases so far.
Before you start, is your iPhone even compatible?
Not every iPhone will receive the iOS 16.4 update. You need at least an iPhone 8, which was released back in 2017, to run iOS 16. That also includes the iPhone X, iPhone 11, iPhone SE (second generation and up) and the new iPhone 14.


The iPhone 14 comes preinstalled with iOS 16.
James Martin/CNETNext, back up your iPhone
Getting your hands on new software can be exciting, but there are precautions you should take before updating. You may not be happy with some of the features that iOS 16.4 has to offer (although you can fix some of the most annoying ones), so you need to be able to downgrade back to an earlier version of iOS 16 for whatever reason — and that requires you to back up your iPhone before you update.
By default, your iPhone should back itself up every time it’s connected to power and Wi-Fi during your regular sleep hours. However, if this backup feature is disabled, you can go to Settings > Your Name > iCloud > iCloud Backup and then hit Back Up Now to back up your device.


You can (and should) also back up your iPhone on your Mac.
Screenshot by Nelson Aguilar/CNETAdditionally, you can back up your iPhone via Finder on your Mac. Simply connect your device to your computer, open Finder, choose your device and then create a backup. Apple also recommends archiving your backup, so that it’s not overwritten by other backups.
Also, make sure to do these three things
You want the download and installation process to go as smoothly as possible, and the best way to do that is to do the following:
- Make sure your iPhone is connected to power. You won’t be able to download iOS 16.4 if you’re under 50% battery, so it’s best to just plug in your phone while you update. And even when you’re plugged in, the battery needs to be over 20%.
- Connect to Wi-Fi. You also won’t be able to download iOS 16.4 with cellular data, so connect to a stable Wi-Fi network.
- Clear up enough storage space. If you’re running out of storage, you’ll need to clear some up before you can download and install iOS 16.4. Go to Settings > General > iPhone Storage to delete large files and apps.
Here’s our guide on how to get more iPhone storage.
How to download and install iOS 16.4
Now once you have all that set, open your iPhone and go to Settings > General > Software Update, wait a few seconds (or minutes) for the update to appear and then hit Download and Install for iOS 16.4.


You can also use Finder on your Mac to download iOS 16.4 on your iPhone.
Nelson Aguilar/CNETYou should then see a loading bar, along with a rough estimate of how long the download process will take. Once the download is complete, reboot your device and wait for iOS 16.4 to install. When your iPhone boots up, follow any prompts and you should then see iOS 16.4 downloaded on your device.
For more on the new OS, here’s a look at our iOS 16 cheat sheet and some of the most annoying features and settings on iOS 16 (and how you can fix them).
Technologies
Verum Finance: A Super App for Private Finance Integrated Into a Messenger
Verum Finance: A Super App for Private Finance Integrated Into a Messenger
Verum Finance has announced the launch of a new financial application that allows users to manage their money directly within the secure Verum Messenger ecosystem.
The project has already attracted attention from major media outlets. A dedicated feature was published by Forbes Türkiye, while one of the world’s largest cryptocurrency exchanges, MEXC, covered the launch. Yahoo Finance had previously reported on the evolution of Verum Messenger into a comprehensive financial ecosystem.
What Verum Finance Offers
Verum Finance transforms a messenger into a complete financial platform. Users can:
• Manage their balance and top up using bank cards or USDT
• Send money instantly to other Verum users
• Issue and use debit cards, including Apple Pay support
• Exchange assets and withdraw funds
• Access all these services without installing separate banking applications
A strong emphasis is placed on privacy. The platform offers registration without a phone number or email address, end-to-end encryption, and full user control over personal data.
Recognition from Forbes Türkiye
In a dedicated article, Forbes Türkiye highlighted Verum Finance as a notable example of modern privacy-driven fintech. The publication emphasized the growing trend of financial services moving from standalone banking applications into unified messaging ecosystems — a model that has proven successful in Asia through platforms such as WeChat and Alipay and is now expanding globally.
Support from the Crypto Community
Alongside the Forbes Türkiye coverage, news about the launch of Verum Finance was also featured by MEXC, one of the world’s leading cryptocurrency exchanges. This reflects growing interest in the project from both traditional business media and the cryptocurrency community.
A Strategic Vision
“We are building more than a payments application and more than a messenger. Verum is a unified secure ecosystem where communication, finance, and privacy tools work together,” the company stated.
Verum Finance is now available for iPhone and iPad users. The application complements Verum Messenger, which offers anonymous chats, voice and video calls, VPN services, eSIM connectivity, and other tools designed to enhance digital freedom.
Verum Finance: https://finance.verum.im
Verum Messenger: https://verum.im
Technologies
Forbes Türkiye Highlights Verum Finance and the Rise of Integrated Financial Ecosystems
Forbes Türkiye Highlights Verum Finance and the Rise of Integrated Financial Ecosystems
Forbes Türkiye has published an article examining the launch of Verum Finance and its approach to integrating financial services directly into a messaging ecosystem.
In the article, Forbes Türkiye notes that the fintech industry is undergoing a transformation as financial services increasingly move beyond traditional banking applications and become part of broader digital ecosystems. Verum Finance is presented as an example of this trend, combining payments, digital cards, money transfers, and balance management within a single environment connected to Verum Messenger.
According to the publication, Verum Finance follows a model similar to the “super app” concept that has gained significant traction in Asian markets, where communication and financial services operate together on one platform. Unlike many Western platforms that continue to separate messaging and banking services, Verum Finance is integrated directly into the Verum ecosystem, allowing users to manage financial activities without relying on multiple third-party applications.
The article highlights several core features of the platform, including virtual debit cards, user-to-user transfers, online payments, digital asset operations, Apple Pay integration, and in-app balance management.
Forbes Türkiye also points to the growing importance of embedded finance and changing user expectations. The publication suggests that lengthy account-opening procedures, physical card delivery times, and constant switching between applications are becoming increasingly outdated in a mobile-first world.
Another major focus of the article is privacy and security. Forbes Türkiye describes Verum Finance as part of a broader trend toward “privacy-driven fintech,” where financial services are built on privacy-oriented infrastructure. The publication notes that the platform incorporates features such as phone-number-free registration, end-to-end encryption, user-controlled access management, and privacy-focused tools designed to enhance data protection.
The article concludes that one of the key challenges for companies operating at the intersection of secure communications, digital payments, and embedded finance will be maintaining both usability and security within a single integrated ecosystem.
The coverage by Forbes Türkiye reflects growing media interest in platforms that combine communication and financial services, as the industry continues moving toward more unified digital experiences.
Website: https://finance.verum.im
App Store: https://apps.apple.com/app/verum-finance/id6774245148
Verum Messenger: https://verum.im
Technologies
Verum Launched “Verum Finance” App for iPhone and iPad, Expanding Its Digital Ecosystem Into Financial Services
Verum Launched “Verum Finance” App for iPhone and iPad, Expanding Its Digital Ecosystem Into Financial Services
Verum has announced the official launch of Verum Finance, a standalone financial application now available on the App Store for iPhone and iPad, marking a further expansion of the company’s growing digital ecosystem.
The new application is designed to centralize core financial functions in a single mobile interface, allowing users to manage balances, send and receive funds, use debit cards, and exchange supported balance types without relying on traditional banking workflows.
According to Verum, the platform enables users to view account activity in real time, top up balances using supported payment methods including Apple Pay, and transfer funds to other users within the Verum ecosystem using a unique Verum ID. The system also supports multi-balance management, including specialized balance categories such as precious metals.
Debit card functionality is integrated directly into the app, allowing users to issue and manage cards linked to their balances, monitor transactions, and top up cards when needed. The company also emphasizes built-in exchange tools that allow users to convert between supported balance types within the application.
Security features include Face ID authentication, passcode protection, Sign in with Apple, and privacy-oriented account controls aimed at maintaining user confidentiality and data protection.
The launch of Verum Finance follows the company’s broader strategy of building an interconnected ecosystem of digital products. Alongside Verum Messenger, which combines secure communication tools, encrypted messaging, voice and video calls, VPN services, eSIM connectivity, AI features, anonymous email, and crypto-related functionality, the new financial app extends Verum’s positioning from communication technology into financial infrastructure.
Industry trends increasingly show demand for “all-in-one” digital environments that reduce dependency on multiple standalone apps. Verum’s approach reflects this shift by integrating communication and financial services within a unified ecosystem.
Verum Finance is now available globally for download on iPhone and iPad via the App Store.
Website: https://finance.verum.im
App Store: https://apps.apple.com/app/verum-finance/id6774245148
Verum Messenger: https://verum.im
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