In the rapidly evolving world of digital finance, cryptocurrency wallet apps have become essential tools for both beginners and seasoned investors. These mobile software wallets offer a seamless way to send, receive, and store digital assets while maintaining full control over your private keys. Unlike custodial services where exchanges hold your funds, self-custody wallets ensure that you—and only you—have access to your cryptocurrencies.
The core principle in the crypto community is simple: “Not your keys, not your coins.” This mantra emphasizes the importance of using non-custodial wallets, where users retain ownership of their private keys. Most mobile wallets generate a recovery phrase during setup—a critical security step that allows you to restore access if your device is lost or damaged. This phrase must be stored securely offline, as it cannot be recovered by any third party.
While mobile wallets are convenient and generally secure for everyday use, those holding large amounts are advised to consider hardware wallets for added protection. For new users purchasing crypto via debit or credit card through services like Changelly or Paxful, having your own wallet address is essential to receive funds.
Choosing the right app depends on personal preferences such as user interface design, supported coins, built-in trading features, and security model. Below is a curated list of the top 11 non-custodial cryptocurrency wallet apps that balance usability, security, and functionality.
Top Mobile Cryptocurrency Wallets in 2025
Coinbase Wallet
Coinbase Wallet is a standalone, self-custody application separate from the Coinbase exchange. It enables users to manage their private keys directly on their devices, explore decentralized applications (dApps), and store hundreds of cryptocurrencies—including Bitcoin, Ethereum, Bitcoin Cash, USDC, XRP, and all ERC-20 tokens.
👉 Discover a wallet that seamlessly connects with dApps and supports NFTs.
Setup Process: Download the app, create a username handle, and securely back up your 12-word recovery phrase.
Security Features: Offers encrypted cloud backups alongside the standard 12-word recovery phrase.
Unique Perks: Users can create human-readable handles (e.g., @username) for easier transactions and store NFTs directly in the wallet.
Pros: Intuitive interface, strong integration with Coinbase exchange, broad token support.
Cons: Lacks support for privacy coins and built-in swap functionality.
Atomic Wallet
Atomic Wallet is a decentralized, non-custodial solution developed by blockchain veterans Simon Dixon and Konstantin Gladych. Available on iOS and Android, it gives users complete control over their funds with local storage of encrypted private keys.
Setup Process: Install the app and record your 12-word backup phrase.
Security Model: Uses a standard 12-word recovery phrase stored only on your device.
Supported Assets: Hundreds of cryptocurrencies, including all major market cap leaders.
Special Features: In-app buying, swapping, staking, and a MasterCard debit card option.
Pros: Sleek UI, strong privacy, cashback rewards on trades.
Cons: Minimal drawbacks; one of the most well-rounded options available.
Coinomi
Launched in 2014, Coinomi is one of the earliest multi-platform wallets supporting Windows, Mac, Linux, iOS, and Android. With support for over 1,770 crypto assets, it stands out for its extensive coin selection among non-custodial wallets.
Setup Process: Download and back up your 24-word recovery phrase.
Security & Privacy: Generates a 24-word phrase and anonymizes server requests to hide IP addresses. No KYC required.
Supported Coins: One of the widest ranges available—includes Monero and other privacy-focused coins.
Built-in Tools: Buy crypto with cards, swap tokens, and redeem gift cards—all without identity verification.
Pros: High privacy standards, wide asset support, no mandatory registration.
Cons: Contains third-party ads that redirect outside the app.
ZenGo
ZenGo introduces a revolutionary keyless wallet model using advanced cryptography instead of traditional private keys. Based in Israel, ZenGo eliminates the need for recovery phrases by securing accounts via biometric face-mapping linked to iCloud or Google Drive.
Setup Process: Provide an email, set a six-digit PIN, and enable biometric authentication.
Security Innovation: Biometric encryption ensures no single point of failure; even ZenGo cannot access your funds.
Supported Coins: Around 50 cryptocurrencies—including Bitcoin and Ethereum—but excludes top assets like Litecoin and XRP.
Features: In-app purchases, altcoin swaps, and a referral program.
Pros: Extremely user-friendly with enterprise-grade security.
Cons: Limited coin support compared to competitors.
Edge
Originally launched as Airbitz in 2014, Edge rebranded in 2017 as a multi-currency wallet offering an intuitive login system using a username, password, and PIN—ideal for newcomers.
Setup Process: Create credentials and enable two-factor authentication (2FA).
Security Architecture: Zero-knowledge design ensures no personal data reaches company servers. Anonymous sign-up—no email needed.
Supported Assets: 21 cryptocurrencies including Bitcoin, Ethereum, Monero, DASH, and all ERC-20 tokens.
Additional Features: Buy gift cards for Amazon or Steam; easy recovery options.
Pros: Beginner-friendly, private, supports privacy coins.
Cons: Fewer supported assets than other wallets.
Exodus
Exodus has been a favorite since its 2015 launch, especially among traders. Compatible across desktop and mobile platforms (Mac, Windows, Linux, iOS, Android), it offers synchronized control over your portfolio.
👉 Explore a crypto wallet built for traders with staking and dApp access.
Setup Process: Download and back up your 12-word recovery phrase.
Security: Includes encrypted cloud backup in addition to the seed phrase.
Supported Coins: Over 125 assets—including Monero and Zcash—with full ERC-20 support.
Trading Tools: Real-time price charts, one-click staking (e.g., Tezos, Cosmos), and integration with sports betting dApps.
Pros: Beautiful UI, excellent customer support, rich feature set.
Cons: No direct fiat-to-crypto purchase option within the app.
BRD (formerly BreadWallet)
BRD is a minimalist Bitcoin wallet known for its clean design and open-source transparency. Originally launched in Switzerland in 2015, it focuses on simplicity with just two core functions: send and receive.
Setup Process: Download and record your 12-word recovery phrase.
Security: Open-source code enhances trust; generates standard seed phrase.
Supported Coins: BTC, BCH, ETH, and ERC-20 tokens like USDC and Tether.
Pros: Simple interface, no ads or clutter, built-in tutorial for beginners.
Cons: Limited coin selection; no privacy coins or swap capabilities.
Abra
Abra is an all-in-one U.S.-based wallet and exchange founded in 2014 by fintech entrepreneur Bill Barhydt. It supports trading between 30 cryptocurrencies and 50 fiat currencies.
Setup Process: Enter personal details and verify via SMS; set a 4-digit PIN.
Security: Uses a unique 13-word recovery phrase plus 2FA and PIN protection.
Supported Assets: Top 30 cryptos including stablecoins.
Earning Potential: Earn up to 10% APR on stablecoin holdings.
Pros: Clean interface, seamless trading experience, interest-bearing accounts.
Cons: Requires more personal information than privacy-focused alternatives.
Monarch
Monarch supports over 3,000 digital assets, making it the most expansive wallet on this list. It also includes fiat gateways for buying BTC, ETH, and BCH via credit card or bank transfer.
Setup Process: Download app and back up 12-word recovery phrase.
Security: Standard seed phrase model with local key storage.
Features: In-app swaps, earning up to 8% APR on select coins, merchant POS system. Backed by Roger Ver.
Pros: Massive coin support; integrated financial tools.
Cons: Clunky portfolio layout; lacks price charts.
Jaxx Liberty
Jaxx Liberty supports over 85 digital assets across multiple platforms including mobile, desktop, and browser extensions.
Setup Process: Install app, record 12-word phrase, set PIN.
Security: Standard seed phrase model with local encryption.
Supported Coins: Major cryptos including BTC, ETH, BCH, USDC.
Features: Debit card purchases (restricted in some regions), in-app swaps.
Pros: Educational resources included; intuitive portfolio display.
Cons: Smaller coin selection compared to others.
Guarda
Guarda is a non-custodial wallet supporting over 45 blockchains and 10,000+ tokens, available on mobile, desktop, web, and as a Chrome extension.
👉 Access one of the most versatile wallets with up to 25% APR staking rewards.
Setup Process: Create password and download encrypted backup file.
Security: Open-source; relies on user-managed backup files rather than seed phrases.
Features: Buy, swap, stake crypto; highest staking yields on this list—up to 25% APR.
Pros: Broad compatibility; high earning potential; strong privacy.
Cons: Risk of losing backup file if stored solely on-device.
Frequently Asked Questions (FAQ)
What is a non-custodial cryptocurrency wallet?
A non-custodial wallet gives users full control over their private keys and funds without relying on a third party like an exchange. This ensures greater security and aligns with the principle of self-sovereignty in crypto.
Why is my recovery phrase so important?
Your recovery phrase (or seed phrase) is the only way to restore access to your wallet if you lose your device or forget your password. It cannot be recovered by the app developer—losing it means losing access to your funds permanently.
Can I buy cryptocurrency directly in these wallets?
Yes—many wallets like Abra, Monarch, Jaxx Liberty, and Coinomi allow direct purchases using credit/debit cards without requiring KYC in some cases.
Are mobile crypto wallets safe?
Mobile wallets are generally secure for daily use when best practices are followed: enabling biometrics or PINs, backing up recovery phrases offline, avoiding public Wi-Fi for transactions, and downloading apps only from official stores.
Which wallet supports the most cryptocurrencies?
Monarch leads with support for over 3,000 cryptos, followed closely by Coinomi (1,770+) and Guarda (10K+ tokens across 45 chains).
Should I use a hardware wallet instead?
For long-term storage of large amounts of cryptocurrency, hardware wallets offer superior security by keeping private keys offline. Mobile wallets are ideal for active trading and everyday transactions.
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