Zengo Wallet

ZenGo Wallet (zengo.com) is the pioneering seedless / MPC (Multi-Party Computation)-based self-custodial crypto wallet — the wallet industry's most credible "no seed phrase required" crypto wallet, operational since 2018, built on award-winning open-source MPC cryptography, with a marketed "never hacked" security record that ZenGo has successfully maintained since launch. Per the ZenGo homepage: "Over $250 billion in crypto has been lost to seed phrase wallets. ZenGo's leading MPC wallet protects millions from theft, phishing, and attacks. No vulnerable seed phrases."

ZenGo's defining paradigm: MPC replaces the seed phrase. Instead of generating a 12-word / 24-word seed phrase that the user must secure (and which permanently loses the wallet if lost), ZenGo's MPC architecture splits the cryptographic key material between the user's device and ZenGo's servers. No single party, including ZenGo, ever has the complete private key. A transaction is only authorized when both key shares participate — meaning even if ZenGo's servers are breached, the attacker can't access user funds.

ZenGo is trusted by millions of customers (per the ZenGo homepage) and serves both individuals (ZenGo Crypto Wallet app on iOS + Android) and businesses (ZenGo Business — corporate crypto treasury management). Prominent industry partnerships visible on the ZenGo homepage partner gallery: Banxa, MoonPay, Solana Foundation, PayPal, Arbitrum Foundation, Paybis, Ethereum Foundation, TRON, Transak, Samsung Next.

Multi-chain support: ZenGo supports 1,000+ assets across dozens of chains (July 2026) — Bitcoin, Ethereum, Solana, TRON, Dogecoin, Shiba Inu, USDC, USDT, The Sandbox, Nexo, Aave, FLOKI, Pepe, XRP, Bonk, PENGU, TRUMP, BNB Smart Chain, and many more. The breadth is broader than Phantom (Solana + a few EVM) but narrower than Exodus (1M+ assets / 50+ chains).

In 2026, ZenGo has added Prediction Markets ("New in ZenGo: Prediction Markets are now live" per the ZenGo homepage, July 2026) — a new in-app product category beyond the core Buy / Sell / Swap / Earn / Stake / NFT coin coverage that defines ZenGo's mainstream product surface.

Industry-leading MPC cryptography (no vulnerable seed phrase)

ZenGo's defining feature is its MPC (Multi-Party Computation) cryptography — alternative to a seed phrase. Per the ZenGo homepage: "Industry-leading MPC Cryptography — Instead of a vulnerable seed phrase, ZenGo's award-winning open-source MPC cryptography offers enterprise-grade technology for individuals and businesses." Key technology details:

• MPC key shares — the cryptographic key material is split between the user's device and ZenGo's servers. No single party — including ZenGo — ever has the complete private key. A transaction is authorized only when both key shares participate.
• Open-source MPC code — ZenGo's MPC cryptographic code is open-source (on ZenGo's GitHub), independent security researchers can audit the cryptography that protects users' keys.
• "Never hacked" track record — ZenGo has marketed a never-hacked security record since launch (2018); the MPC architecture has been independently audited; the open-source MPC code has had third-party security audits.

3-Factor Authentication (3FA) Recovery - the seedless recovery model

ZenGo's MPC architecture enables seedless recovery through 3-Factor Authentication (3FA) Recovery: Factor 1 — the user's device (mobile app), Factor 2 — the user's email (recovery email set up during onboarding), Factor 3 — the user's 3D face scan (biometric taken during onboarding; anti-phishing credential; never leaves the device). If the user loses their phone, they can recover the wallet by re-downloading ZenGo on a new phone and authenticating with recovery email + face scan. This is a meaningful UX improvement vs the 12-word-seed-phrase-only recovery model — users don't need to write down + safely store a 12-word seed phrase.

Mobile-first (iOS + Android) - no desktop, no browser extension

ZenGo is mobile-first — iOS (App Store) and Android (Play Store). The ZenGo personal wallet is available on iOS + Android; ZenGo Business is web-based. No desktop app and no browser extension — a meaningful trade-off for users wanting desktop / browser-extension wallets. Mobile-first users (the majority of mainstream crypto users) will find ZenGo's mobile UX adequate and polished.

DApp access via WalletConnect

ZenGo supports WalletConnect — the user can connect a ZenGo wallet to any WalletConnect-compatible DApp, providing access to DApps across supported EVM chains (Uniswap, Aave, OpenSea; Jupiter / Raydium / Drift / marginfi / Kamino on Solana). ZenGo's DApp surface is weaker than MetaMask's native in-extension DApp browser but adequate for most mainstream DApp connection use cases.

ZenGo Business - corporate crypto treasury management

ZenGo serves both individuals (ZenGo Crypto Wallet app) AND businesses (ZenGo Business — corporate crypto treasury management). ZenGo Business is a meaningful B2B product for corporate crypto treasury — differentiator vs other self-custodial wallets that serve only individuals (MetaMask, Phantom, Exodus).

Prediction Markets (2026 launch)

ZenGo has added Prediction Markets (per the ZenGo homepage, July 2026 — "New in ZenGo: Prediction Markets are now live") — a new in-app product category beyond the core Buy / Sell / Swap / Earn / Stake / NFT coverage that defines ZenGo's mainstream product surface.

Fiat on-ramp/off-ramp - Banxa, MoonPay, Paybis, Transak, PayPal

ZenGo's in-app Buy / Sell flow integrates multiple fiat on-ramp / off-ramp providers (Banxa, MoonPay, Paybis, Transak visible on the ZenGo homepage partner gallery, plus PayPal integration, July 2026) — giving users a choice of processor for fiat-to-crypto with multiple payment methods (card, bank, Apple Pay, Google Pay, PayPal).

Multi-chain - 1,000+ assets across dozens of chains

ZenGo supports 1,000+ assets across dozens of chains (July 2026). Headline chains visible in the ZenGo asset gallery: Bitcoin, Ethereum, Solana, TRON, Dogecoin, Shiba Inu, USDC, USDT, The Sandbox (SAND), Nexo (NEXO), Aave (AAVE), FLOKI, Pepe (PEPE), XRP, Bonk (BONK), PENGU, Official TRUMP (TRUMP), BNB Chain (BNB), Polygon (MATIC), and many more.

NFT support - digital collectibles

ZenGo supports digital collectibles (NFTs) — per the ZenGo homepage: "Manage 1,000+ assets including Bitcoin, Ethereum, Solana, TRON, stablecoins, and digital collectibles." For users who want to hold NFTs alongside fungible crypto without a separate NFT-specialized wallet, ZenGo covers it.

MPC (Multi-Party Computation) cryptography - the foundational ZenGo security paradigm

ZenGo's defining security paradigm is MPC (Multi-Party Computation) — the cryptographic key material is split into shares between the user's device and ZenGo's servers. No single party — including ZenGo — ever has the complete private key. Key advantages: anti-server-breach design (if ZenGo's servers are breached, the attacker gets only the server-side key share, not the user-side key share, so the user's funds remain safe), anti-phishing design (no 12-word seed phrase to phish), and the "never hacked" track record since 2018.

Open-source MPC cryptographic code (and closed-source wallet app)

ZenGo's MPC cryptographic code is open-source (on ZenGo's GitHub) — independent security researchers can audit the cryptography that protects users' keys. The wallet app / UI is closed-source, but the cryptographic core is open-source. This is a meaningful transparency mix — different from full-open-source wallets like MetaMask, but stronger than closed-source-only wallets.

Self-custodial - ZenGo never has the complete key

ZenGo is self-custodial — ZenGo (the company) cannot access user funds and cannot move user funds without the user's key share. Even though ZenGo participates in MPC key shares, both shares must participate to authorize a transaction; ZenGo alone cannot sign. ZenGo has designed a failover mechanism: if ZenGo's servers are unavailable for a defined period (unlocks after ~24 hours of server unavailability), users can recover control of their funds even in the worst case (ZenGo ceasing operations).

3-Factor Authentication (3FA) Recovery - the seedless recovery model

ZenGo's MPC architecture enables seedless recovery through 3FA: Factor 1 — the user's device (mobile app), Factor 2 — the user's email (recovery email), Factor 3 — the user's 3D face scan (anti-phishing credential; never leaves the device; used to enable secure recovery). This is a meaningful UX improvement vs seed-phrase-only recovery models. Trade-off: this recovery model relies on ZenGo's infrastructure being available (and the user's face scan being verified via ZenGo's anti-phishing servers); ZenGo has an additional backup mechanism (a Recovery Kit / written-down credentials) for users who want a pure offline backup.

Operational since 2018 - 8+ years

ZenGo has been operational since 2018 — 8+ years in crypto (as of July 2026). ZenGo has operated continuously through 8+ years of crypto cycles with a never-hacked track record.

Independently security audited

ZenGo's MPC cryptographic code + wallet security architecture have been independently security-audited by third-party security firms. Audit findings are published on ZenGo's security portal.

Privacy - no documents required

Per the ZenGo homepage: "No documents required" — no KYC required to use the ZenGo wallet itself (only the third-party Buy/Sell processors may have KYC requirements through their processing partners — varies by jurisdiction and purchase amount). A meaningful privacy advantage.

Wallet - free to download

ZenGo is free to download on the Apple App Store and Google Play Store. No subscription for the base wallet. ZenGo Pro is a paid premium subscription (monthly) that unlocks additional features (Priority Support, Web3 Watch alert notifications for on-chain activity, ETH txn history export, multiple wallets, dedicated support agent — see ZenGo Pro pricing for the current tier).

Swaps - in-wallet swap fees

ZenGo charges a swap fee on swaps executed via the ZenGo in-app swap aggregator (across supported DEXes). The swap fee + underlying DEX fee + network gas are shown transparently in the swap confirmation UI before the user signs. Exact swap fee percentage varies by token pair — ZenGo doesn't publish a uniform swap fee percentage the way MetaMask (0.875%) and Phantom (0.85%) do.

Buy / Sell - processor fees (Banxa / MoonPay / Paybis / Transak)

Buy / Sell inside ZenGo uses third-party fiat on-ramp / off-ramp providers — Banxa, MoonPay, Paybis, Transak visible on the ZenGo partner gallery, plus PayPal integration (July 2026). Fees typically 1.5-5% per transaction plus an exchange rate spread, varying by processor / payment method / jurisdiction. The fee is disclosed in the buy confirmation UI before the user completes. ZenGo takes a referral fee from the processor.

Earn - staking commissions

ZenGo Earn offers staking on supported POS chains (Ethereum, Cardano, Polkadot, Tezos, and others — varies by what's offered). Staking commissions on POS chains are handled via ZenGo's validator partners; commission typically varies by chain, in the 5-25% range. Staking APYs shown in ZenGo are net of commission.

ZenGo Pro (subscription)

ZenGo Pro is ZenGo's paid premium subscription — covers Priority Support, Web3 Watch (alert notifications for on-chain activity), ETH tx history export, multiple wallets, dedicated support agent. Pricing varies by tier — see ZenGo's Pro pricing page (zengo.com/pro) for current rates.

ZenGo Business - B2B pricing

ZenGo Business (corporate crypto treasury management) is priced per-customer based on treasury size and feature requirements. Contact ZenGo directly for B2B pricing.

Network gas - paid to chain, not ZenGo

Each transaction signed via ZenGo requires network gas paid to the underlying chain validators — ZenGo doesn't charge gas on behalf of users. Gas is shown transparently in ZenGo's transaction confirmation dialog before the user signs.

Per the ZenGo homepage: 1,000+ assets across dozens of chains (July 2026). Headline supported chains (per the ZenGo asset gallery):

Major Layer 1s

• Bitcoin (BTC)
• Ethereum (ETH)
• Solana (SOL)
• TRON (TRX) — TRON is a meaningful ZenGo-first chain — ZenGo was one of the early mainstream self-custodial wallets with strong TRON integration
• XRP (Ripple)

Major EVM L2s and alt-L1s

• BNB Smart Chain (BNB)
• Polygon (MATIC/POL)
• Arbitrum (ARB)
• Avalanche (AVAX)

USD Stablecoins

• USDT (Tether)
• USDC (USD Coin)

Memecoins + Long-tail alt-coins

• Dogecoin (DOGE)
• Shiba Inu (SHIB)
• Bonk (BONK) — Solana
• PENGU — Solana
• FLOKI
• Pepe (PEPE)
• Official TRUMP (TRUMP)

Major DeFi protocol tokens

• Aave (AAVE)
• Nexo (NEXO)

Metaverse / gaming tokens

• The Sandbox (SAND)

For mainstream users wanting broad multi-chain coverage with seedless MPC security, ZenGo covers the major chains well. The breadth is broader than Phantom (Solana + a few EVM) but narrower than Exodus (1M+ assets / 50+ chains). For users who want the absolute broadest asset coverage, Exodus or Trust Wallet may be stronger; for users who prioritize seedless MPC security, ZenGo is uniquely positioned.