Guarda Wallet

Guarda Wallet is a non-custodial multi-chain crypto wallet — launched in 2017 (operating for 9+ years as of 2026), supporting 1M+ tokens across 70+ blockchains across all major asset classes (Bitcoin, Ethereum/EVM, Solana, plus most major L1s/L2s/tokens). Per the official Guarda homepage: "The Best Web3 Crypto Wallet — Stake, exchange, earn and buy Bitcoin, Ethereum and thousands of other assets. Collaborate safely, control together, protect every transaction." Guarda's positioning in this directory: the cross-platform multi-coin non-custodial wallet with the broadest native feature set (buy + swap + stake + loan + multisig + biometric + 24/7 support) + the strongest Trustpilot track record in this category. Guarda is consistently recommended by users + reviewers for users who want a one-wallet multi-coin solution with full built-in features and 24/7 support, without having to use a hardware wallet for cold-storage custody.

Guarda's strongest differentiators across this directory: (a) cross-platform — Web app + Mobile (iOS + Android) + Desktop (Windows + macOS + Linux) + Chrome browser extension — the broadest cross-platform coverage of any wallet in this directory alongside OKX Wallet + Bitget Wallet; (b) built-in loans — borrow stablecoins + crypto assets with affordable APR, unique among the multi-coin wallets in this directory (no other non-custodial wallet in this directory has built-in loans); (c) built-in multisig per the homepage's comparison vs MetaMask + Trust Wallet + Ledger (only Guarda Supports multisig among those four); (d) built-in Perps trading via Aster + built-in Predictions via Polymarket — the broadest built-in trading features in this directory for a non-custodial wallet; (e) 24/7 live support — the strongest customer-support offering in this directory (only Guarda has round-the-clock live chat among the wallets compared on the homepage); (f) Trustpilot 4.3 / 2100+ reviews — among the strongest public-review track records in this directory.

Per the official Guarda homepage's "True ownership of your crypto" section: "Guarda is a non-custodial wallet, meaning only you control your private keys and crypto assets." Guarda's privacy / security features include: (1) True ownership — private keys stored on the user's device, never leave the device; (2) Secure backup & recovery — encrypted backup file + recovery options; (3) Multi-signature protection — additional transaction security through multisig support for compatible assets + workflows; (4) Biometric authentication — Face ID (iOS), Touch ID (macOS), device-level biometrics (Android); (5) Trusted exchange & providers — crypto purchases + swaps powered by established providers including ChangeNOW, Guardarian, and Simplex.

Guarda's "Why Guarda is the Best Crypto Wallet" homepage section lists: (a) Buy / Sell / Swap — buy crypto with debit + credit + Apple Pay + other popular payment methods; (b) Loan — borrow stablecoins + crypto assets with affordable APR; (c) Stake — increase your earnings via staking rewards on 14 networks; (d) Non-Custodial Security — private keys stay on your device, Guarda never accesses your funds, you're in full control; (e) UX / UI Friendly — optimized for every platform, making crypto management simple + intuitive + seamless wherever you use Guarda.

Guarda's homepage direct comparison "How Guarda Compares to Other Crypto Wallets — See why users choose Guarda over MetaMask, Trust Wallet and Ledger" makes explicit claims: Guarda — Staking 14 chains, Multisig Yes, Loans Yes, Platform Mobile/Desktop App + Web App + Extension, Predictions Yes, Perps Yes, Support 24/7 live support, XMR Supported Yes. (Note: these are Guarda's self-published comparison claims — we replicate them but users should verify against the competitors' own published data for the most up-to-date comparisons.)

Guarda's "How to Buy Crypto" guide shows a 4-step process: (1) Create a Wallet — go to Guarda, no registration required, wallet ready in under 1 minute; (2) Click "Buy Crypto" — select crypto from the list of 1M+ supported assets; (3) Choose Payment Method — pay by credit card, debit card, Apple Pay, Google Pay, or bank transfer; (4) Receive Crypto — confirm, crypto arrives directly in your Guarda wallet within minutes. This no-registration flow is one of the easiest onboarding experiences in this directory, comparable to Trust Wallet + Atomic Wallet.

Cross-platform — Web + Mobile + Desktop + Browser Extension (broadest coverage alongside OKX Wallet + Bitget Wallet)

Guarda has the broadest cross-platform coverage of any wallet in this directory. The user can use the same wallet across: Web app (guarda.com/app — no download, browser-only), Mobile (iOS App Store — apple-store/id1442083982, Android Google Play — com.crypto.multiwallet), Desktop (Windows + macOS + Linux — direct downloads from guarda-desktop-releases on GitHub), and Chrome browser extension (guarda.com/chrome-extension — for EVM DApp browser use). The same seed phrase restores the wallet across all formats. This is materially broader than most wallets in this directory — MetaMask is browser-extension-first + mobile-only, Trust Wallet is mobile-only, Electrum is desktop-only + Android-only, BlueWallet is mobile-only + newer desktop.

1M+ tokens across 70+ blockchains — broadest asset coverage alongside Atomic Wallet + OKX Wallet

Per the official Guarda homepage: "1M+ Supported tokens, 70+ Blockchains." Guarda supports Bitcoin (BTC) + the Bitcoin ecosystem (Bitcoin Cash, Litecoin, Dash, Dogecoin, Zcash, Bitcoin SV) + Ethereum + all ERC-20 tokens + Binance Smart Chain (BSC) + all BEP-20 tokens + Polygon + Avalanche + Fantom + Arbitrum + Optimism + Base + Solana + all Solana tokens (SPL) + Cardano + Polkadot + XRP (Ripple) + Stellar + Tron + Monero (XMR — unique support) + NEAR + Aptos + Sui + Algorand + Cosmos + Kava + Osmosis + Hedera + Tezos + EOS + Flow + Theta + Zilliqa + NEO + NEM and many more. This is comparable to Atomic Wallet + Coinomi's asset coverage and stronger than OKX Wallet's mainnet count (130+) on the asset-token-range axis (Guarda's 1M+ includes many long-tail tokens via Simplex + ChangeNOW integration that the wallet tracks but doesn't natively store).

Non-custodial — crypto holdings across Bitcoin + EVM + Solana + 70+ blockchains

Per the official Guarda homepage: "True ownership of your crypto — Guarda is a non-custodial wallet, meaning only you control your private keys and crypto assets." Guarda is fully non-custodial — private keys are stored encrypted on the user's device and never leave the device. Guarda has no access to user private keys or funds. Same recovery model as MetaMask + Trust Wallet + Atomic Wallet + Coinomi + OKX Wallet + Bitget Wallet — losing the seed phrase is unrecoverable. The user creates the wallet with no registration — the wallet is ready in under 1 minute.

Buy crypto — Simplex + ChangeNOW + Guardarian via credit/debit + Apple Pay + Google Pay + bank transfer

Per the official Guarda homepage's "Buy, Sell, Swap" + "How to Buy Crypto" sections: "Buy crypto with debit/credit cards, Apple Pay and other popular payment methods". Guarda integrates Simplex (a regulated crypto-fiat on-ramp with global coverage) + ChangeNOW (a non-custodial swap exchange with no KYC for transactions below a threshold) + Guardarian (a Guarda-affiliated regulated fiat-on-ramp). The buy-crypto workflow is 4 steps: (1) Create a Wallet (no registration, under 1 minute); (2) Click "Buy Crypto" + select from 1M+ supported assets; (3) Choose payment method (credit card, debit card, Apple Pay, Google Pay, bank transfer); (4) Receive crypto directly in your Guarda wallet within minutes. The processor fee is typically 3-5% (set by the third-party processor — Simplex, ChangeNOW, Guardarian — and shown transparently before the user confirms).

Built-in swap — non-custodial, 60+ pairs

Guarda has a built-in swap engine (via ChangeNOW + ChangeNOW-like aggregator integration) that lets the user swap 60+ crypto pairs without leaving the wallet + without KYC for transactions below a threshold. The swap fee is the third-party aggregator's spread (typically 0.5-1.5%) + network gas. This is comparable to Atomic Wallet's built-in Instant Swap + Coinomi's built-in swap, weaker than OKX Wallet's OKX DEX (0% commission aggregator) and Rabby's Rabby Swap (0% commission aggregator).

Built-in staking — 14 networks

Per the official Guarda homepage: "Stake — Increase your earnings staking rewards on 14 networks". Guarda supports native staking across 14 networks — visible staking chains include Ethereum (5% APY), Cardano (5%), Solana (7%), Cosmos (15%), Polygon, Avalanche, Polkadot (12%), Tezos (5%), Tron (4%), Algorand (5%), Kava (8%), Hedera (2.5%), NEAR (10%), and more. The user deposits the asset in the wallet, clicks "Stake," and the wallet delegates the stake to a Guarda-curated validator. Guarda takes a small commission on top of the validator commission (typically 1-2% of rewards). This is comparable to Atomic Wallet's built-in staking (10+ chains) and weaker than Trust Wallet's staking (25 chains per the Guarda homepage comparison).

Built-in loans — borrow stablecoins + crypto assets (unique in this directory)

Per the official Guarda homepage: "Loan — Borrow stablecoins and crypto assets with affordable APR". Guarda has built-in crypto loans — the user deposits crypto (Bitcoin, Ethereum, BNB, etc.) as collateral and borrows stablecoins (USDT, USDC, DAI) + crypto assets at an APR. This is a unique feature among the non-custodial wallets in this directory — no other non-custodial wallet in this directory has built-in loans (only Atomic Wallet + Guarda have integrated crypto loans; custodial exchanges like Binance + Coinbase also have loans). For users who want to borrow against their crypto without selling it, Guarda is the recommended non-custodial wallet in this directory.

Multisig support — additional transaction security

Per the official Guarda homepage's security section: "Multi-signature protection — Additional transaction security through multisig support for compatible assets and workflows." Guarda supports multisig for compatible assets (notably Bitcoin + Ethereum). This is unique among the multi-coin non-custodial wallets in this directory — per the Guarda homepage's direct comparison, only Guarda Supports multisig among Guarda + MetaMask + Trust Wallet + Ledger (the homepage lists Guarda as the only one with multisig Yes, while MetaMask, Trust Wallet, and Ledger are listed as multisig No). For users who want multisig-based collaborative custody + multi-signer security in a multi-coin wallet, Guarda is the recommended non-custodial pick in this directory. (Bitcoin-only multisig in a dedicated Bitcoin wallet is also available in Electrum + Sparrow Wallet + BlueWallet — separate wallets for Bitcoin-only multisig.)

Perps trading via Aster — built-in leverage

Per the official Guarda homepage: "Perps trading by Aster — Hundreds of trading pairs, seamless deposits, and a full-featured trading experience in one place." Guarda integrates Aster's perps trading — the user can trade perpetual futures contracts directly inside the Guarda wallet, with leverage, hundreds of trading pairs, and a fullfeatured trading UI. This is unique among the non-custodial wallets in this directory — only Guarda + Trust Wallet + MetaMask integrate perps trading (per the Guarda homepage comparison, Trust Wallet + MetaMask also list Perps Yes). For users who want to trade perps directly inside a non-custodial wallet, Guarda + Trust Wallet + MetaMask are the recommended picks.

Predictions via Polymarket — real-world events betting

Per the official Guarda homepage: "Predictions by Polymarket — Where crypto meets real-world events". Guarda integrates Polymarket's predictions markets — the user can bet on real-world events (elections, sports, weather, market events) directly inside the Guarda wallet. This is unique among the non-custodial wallets in this directory — per the Guarda homepage comparison, Guarda + MetaMask + Trust Wallet all support Predictions (Yes), while Ledger does not. For users who want event-prediction betting directly inside a non-custodial wallet, Guarda + MetaMask + Trust Wallet are the recommended picks.

Biometric authentication — Face ID + Touch ID + Android biometrics

Per the official Guarda homepage: "Biometric authentication — Protect wallet access with Face ID, Touch ID, and device-level biometric authentication." Guarda supports biometric unlock on iOS (Face ID or Touch ID), macOS (Touch ID), and Android (device-level fingerprint + face unlock). This is comparable to OKX Wallet + Trust Wallet + MetaMask mobile and stronger than Atomic Wallet (no biometric) + Coinomi (no biometric) + Electrum (no biometric).

Secure backup & recovery

Per the official Guarda homepage: "Secure backup & recovery — Restore wallet access anytime using encrypted backup and recovery options." Guarda supports encrypted backup (the user can export an encrypted wallet backup file that requires a backup password to decrypt + restore) + standard 12-word / 24-word seed phrase recovery. Same recovery model as MetaMask + Trust Wallet + Atomic Wallet + Coinomi + OKX Wallet — losing both the seed phrase AND the backup password is unrecoverable. The backup file is for cross-device wallet migration (export from one device, import to another) without exposing the raw seed phrase in copy-paste / clipboard.

24/7 live support — strongest customer-support offering in this directory

Per the official Guarda homepage: "24/7 Live Support" + the comparison table showing Guarda's Support as "24/7 live support" (vs MetaMask "Live chat", Trust Wallet "Ticket-based", Ledger "Live chat + email"). Guarda has round-the-clock live chat support — the strongest customer-support offering in this directory among the multi-coin non-custodial wallets. The reviews section shows Guarda's Trustpilot 4.3 / 2100+ reviews rating (one of the highest in this directory alongside Atomic Wallet's 4.2 / 1200+ reviews).

Non-custodial — private keys stay on the user's device

Per the official Guarda homepage: "Guarda is a non-custodial wallet, meaning only you control your private keys and crypto assets." Guarda is fully non-custodial — private keys are stored encrypted on the user's device (iOS: secure enclave; Android: encrypted local keystore; Desktop: encrypted local wallet file) and never leave the device. Guarda (the company) has no access to user private keys or funds. Same recovery model as MetaMask + Trust Wallet + Atomic Wallet + Coinomi + OKX Wallet — losing the seed phrase is unrecoverable. The wallet is created with no registration — the wallet is ready in under 1 minute, and the user's private keys are generated locally on the device.

Closed-source wallet core (desktop apps + mobile apps) — community audit limitation

Guarda's wallet core is closed-source (the desktop apps are distributed via guarda-desktop-releases on GitHub, but the source is not published; the mobile apps + web app + Chrome extension are closed-source by Guarda's design). This is weaker than the fully-open-source model of MetaMask (MIT-licensed) + Rabby (100% open-source) + Electrum + BlueWallet + Sparrow Wallet, and weaker than the partial-open-source models of OKX Wallet + Bitget Wallet + Trust Wallet. For closed-source wallets, the user's security depends on Guarda's code + update mechanism + third-party dependency review — similar to the security model of Coinomi + Atomic Wallet. For users who specifically want a fully-open-source multi-coin wallet, the recommended alternatives are MetaMask (EVM-focused) + Rabby (EVM-only) — but no fully-open-source multi-coin wallet matches Guarda's 1M+ token / 70+ blockchain coverage in this directory.

9+ year operating track record (2017–2026)

Guarda has been operating since 2017 — a 9+ year track record (2017–2026). This is longer than MetaMask (2016, 10 years) + Coinomi (2014, 12 years) + Atomic Wallet (2018, 8 years) + OKX Wallet (2017 as OKEx, relaunched as OKX Wallet 2022) + Bitget Wallet (2018 as BitKeep, relaunched as Bitget Wallet 2023) + Trust Wallet (2017) + Phantom (2021). Guarda has not had a wallet-level hack at scale (no major user-fund-loss incident reported publicly as of July 2026). The 9+ year track record + no major hacks is materially stronger than Atomic Wallet's June 2023 hack (~$100M+ stolen), but materially weaker on the supply-chain-security axis than Electrum (15+ year track record + reproducible builds + 5-signer GPG signatures).

Biometric authentication — Face ID + Touch ID + Android biometrics

Per the official Guarda homepage: "Biometric authentication — Protect wallet access with Face ID, Touch ID, and device-level biometric authentication." Guarda has biometric unlock — iOS Face ID / Touch ID + macOS Touch ID + Android device-level biometrics. For users who lock their device with biometrics, the wallet can require biometric unlock on each open (not just device-PIN). This is comparable to OKX Wallet + Trust Wallet + MetaMask mobile biometric support and stronger than Atomic Wallet (PIN only) + Coinomi (PIN only) + Electrum (password only).

Multi-signature protection — additional transaction security

Per the official Guarda homepage: "Multi-signature protection — Additional transaction security through multisig support for compatible assets and workflows." Guarda's multisig is available for compatible assets (notably Bitcoin + Ethereum). For Bitcoin, this allows m-of-n multisig with PSBT-style signing across multiple devices. For Ethereum / EVM, this allows smart-contract multisig wallets. Guarda's multisig is more limited than Sparrow Wallet + Electrum + BlueWallet's full PSBT-based multisig (those are dedicated Bitcoin multisig wallets with the strongest mobile/desktop multisig UX), but it's unique among the multi-coin wallets in this directory — no other multi-coin non-custodial wallet has native multisig support as Guarda does (per the Guarda homepage's direct comparison, only Guarda Supports multisig among Guarda + MetaMask + Trust Wallet + Ledger).

Trusted third-party providers for buy + swap

Per the official Guarda homepage: "Trusted exchange & providers — Crypto purchases and swaps are powered by established providers including ChangeNOW, Guardarian, and Simplex." Guarda uses regulated + established third-party providers for buy-crypto (Simplex is regulated in the EU + globally + Guardarian is Guarda's own regulated fiat-on-ramp) + swap (ChangeNOW is a non-custodial swap exchange). These are the same trusted providers used by Coinomi + Atomic Wallet + Trust Wallet. For users who specifically want non-KYC buy / swap, ChangeNOW's no-KYC threshold (transactions below a threshold require no KYC) is the relevant feature; for users who specifically want KYC-required-then-unlimited-simplex-buy, the Simplex integration is the relevant feature.

Secure backup & recovery

Per the official Guarda homepage: "Secure backup & recovery — Restore wallet access anytime using encrypted backup and recovery options." Guarda supports encrypted backup (the user can export an encrypted wallet backup file + restore it on another device with the backup password) + standard 12-word / 24-word seed phrase recovery. This is comparable to MetaMask + Trust Wallet + Atomic Wallet + Coinomi. The encrypted backup file is for cross-device wallet migration without exposing the raw seed phrase in the clipboard.

Limitations

Guarda's wallet core is closed-source (a community-audit limitation vs MetaMask + Rabby + Electrum + BlueWallet + Sparrow Wallet). Guarda does NOT have native hardware-wallet pairing — Guarda is a software hot wallet; for hardware-wallet cold-storage custody, the recommended alternative is to pair a hardware wallet (Ledger / Trezor / Coldcard / Keystone 3 Pro) with a wallet that natively supports hardware-wallet pairing (Electrum + Sparrow + BlueWallet + OKX Wallet + Rabby + MetaMask). Guarda does NOT support EIP-4337 account abstraction (gas-less transactions, session keys, social recovery). Guarda's wallet code doesn't have Electrum's reproducible builds + multi-signer GPG signatures supply-chain-security model. Guarda's UI is clean but a bit complex for users who want a single-asset wallet.

Wallet download — free

Guarda Wallet is free to download on iOS (App Store — apple-store/id1442083982), Android (Google Play — com.crypto.multiwallet), Desktop (Windows + macOS + Linux .deb + .AppImage — from guarda-desktop-releases on GitHub), Web (guarda.com/app — no download), and Chrome browser extension (guarda.com/chrome-extension). No subscription fees. No monthly fees. No account / no onboarding KYC required for basic features (creating a wallet, sending, receiving, swapping). Guarda doesn't charge any wallet-side fee on direct send / receive transactions (the user pays only network miner/gas fees).

Buy crypto — 3-5% processor fee (paid to third-party providers)

Guarda's buy-crypto feature charges a processor fee set by the third-party providers — Simplex (3-5%), Guardarian (3-5%), bank transfer (typically lower, ~1-2% + bank wire fees). The fee is shown transparently before the user confirms the buy. Apple Pay + Google Pay + credit card + debit card typically incur the higher 3-5% fee; bank transfer incurs the lower 1-2% + bank fees. Same fee model as Coinomi + Atomic Wallet + Trust Wallet.

Swap — 0.5-1.5% spread + network gas (paid to ChangeNOW + the chain)

Guarda's built-in swap (via ChangeNOW + Guarda's own swap aggregator) charges a 0.5-1.5% spread + network gas. The spread is the third-party aggregator's fee (ChangeNOW); Guarda doesn't charge a wallet-side fee on top. This is comparable to Atomic Wallet's Instant Swap (0.5-3% spread + AWC cashback) + Coinomi's built-in swap, weaker than OKX Wallet's OKX DEX (0% commission aggregator) + Rabby's Rabby Swap (0% commission aggregator).

Staking — 5-15% validator commission + 1-2% Guarda commission

Guarda's staking across 14 networks uses Guarda-curated validators. The validator commission is typically 5-15% of the staking rewards; Guarda takes an additional 1-2% commission on top. The user's net APR is the chain's base APR minus the validator commission minus Guarda's commission. This is comparable to Atomic Wallet's staking fees and weaker than direct validator staking via MetaMask + OKX Wallet + Phantom (where the user can pick a low-commission validator directly).

Loans — APR set by the lending protocol (variable)

Guarda's loans feature (via integrated lending protocols) charges a variable APR set by the lending protocol. The APR depends on the collateral asset + the borrowed asset + the protocol's supply/demand. Same model as Aave + Compound + MakerDAO (DeFi lending). The user should review the protocol's terms + risk disclosures before borrowing.

Self-run Bitcoin Core / private Electrum server — infrastructure cost only

Guarda does NOT have a "connect to your own node" feature (unlike Electrum + Sparrow Wallet + BlueWallet). Guarda connects to its own curated public nodes; the user cannot direct Guarda to use the user's own Bitcoin Core full node or private Electrum server. For users who specifically want to connect to their own node for privacy, the recommended Bitcoin-only alternatives are Electrum + Sparrow + BlueWallet.

Per the official Guarda homepage (July 2026): "1M+ Supported tokens, 70+ Blockchains". Guarda supports 1M+ tokens across 70+ blockchains. The 1M+ includes both natively-stored assets and Simplex + ChangeNOW-integrated tradable tokens (tokens that the wallet can buy / swap via the integrated providers but doesn't natively store in the wallet). The 70+ blockchains are individually natively supported (the wallet generates keys + addresses for each chain).

Bitcoin ecosystem

• Bitcoin (BTC)
• Bitcoin Cash (BCH)
• Bitcoin SV (BSV)
• Litecoin (LTC)
• Dash (DASH)
• Dogecoin (DOGE)
• Zcash (ZEC)

Ethereum + EVM ecosystem + L2s

• Ethereum (ETH) + all ERC-20 tokens
• Binance Smart Chain (BSC / BNB) + all BEP-20 tokens
• Polygon (MATIC / POL) + Avalanche (AVAX) + Fantom (FTM)
• Arbitrum + Optimism + Base

Major altcoins + L1s

• Solana (SOL) + all SPL tokens
• Cardano (ADA) + Polkadot (DOT) + XRP (Ripple) + Stellar (XLM) + Tron (TRX)
• Monero (XMR) — unique privacy-coin support (per the Guarda homepage comparison, Guarda + Trust Wallet + Ledger all support XMR; MetaMask does not)
• NEAR + Aptos (APT) + Sui (SUI) + Algorand (ALGO)
• Cosmos (ATOM) + Kava (KAVA) + Osmosis (OSMO) + Hedera (HBAR) + Tezos (XTZ) + EOS + Flow (FLOW) + Theta (THETA) + Zilliqa (ZIL) + NEO + NEM (XEM)

Staking — 14 networks

• Ethereum (~5% APY)
• Cardano (~5% APY)
• Solana (~7% APY)
• Cosmos (~15% APY)
• Polygon (~5% APY)
• Avalanche (~5% APY)
• Polkadot (~12% APY)
• Tezos (~5% APY)
• Tron (~4% APY)
• Algorand (~5% APY)
• Kava (~8% APY)
• Hedera (~2.5% APY)
• NEAR (~10% APY)
• and more (14 networks per the homepage)