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Guarda Wallet

guarda.com

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Spec score 8.7 #2 of 27 in Cryptocurrency Wallets Software

What it is

Guarda Wallet is a non-custodial wallet for managing supported digital assets. Guarda says it does not store private keys or seed phrases and does not control users’ funds. Users can store, send, receive, buy, swap, and stake assets; the wallet supports more than 1 million digital assets across over 70 blockchain networks. It is available on the web, desktop, iOS, and Android, as well as through a browser extension. Purchases can use cards, Apple Pay, Google Pay, or bank transfer depending on region and provider. Purchase and swap services are powered by ChangeNOW, Guardarian, and Simplex; providers may require identity verification, and availability, limits, and fees vary by country and provider. Guarda says it charges no platform fees for sending or using the app, though network and third-party provider fees may apply. Staking is supported across 14 networks. Web and desktop users can connect Ledger and ERA hardware wallets, with private keys remaining on the device. The wallet costs nothing.

Spec sheet

What it does
Guarda is a non-custodial wallet for storing, sending, receiving, buying, swapping and staking digital assets.Read 19 Oct 2026 · guarda.com
Support
Guarda advertises 24/7 human support and maintains a help center covering transactions, staking, hardware wallets, loans, security and troubleshooting.Read 19 Oct 2026 · guarda.com
Headquarters
Lisbon, PortugalRead 28 Sep 2026 · guarda.com
Founded
2017Read 28 Sep 2026 · guarda.com
API and licensing
Its terms describe an extension API and grant only a personal, non-transferable license that forbids redistribution or code modification, indicating proprietary software.Read 19 Oct 2026 · wikibitimg.tech002.com
Asset coverage
Guarda says it supports more than 1 million assets across over 70 blockchain networks.Read 19 Oct 2026 · guarda.com
Backup requirement
Users must save an encrypted backup and keep it current after adding or deleting wallet assets.Read 19 Oct 2026 · guarda.com
Chrome extension capabilities
The extension offers multi-chain storage, swaps, purchases, staking, Bitcoin multisig and direct dApp connections.Read 19 Oct 2026 · chromewebstore.google.com
Company ownership facts
Crunchbase lists the legal name GUARDACO LDA, founder and CEO Paul Sokolov, Lisbon as location and a 1–10 employee range.Read 19 Oct 2026 · crunchbase.com
Company profile
LinkedIn lists Guarda Wallet as a financial-services company founded in 2017 with 201–500 employees and headquarters in Hayward, California.Read 19 Oct 2026 · linkedin.com
Company start
Guarda says its first Ethereum wallet launched in 2017.Read 30 Sep 2026 · guarda.com
Core functions
Users can store, send, receive, buy, swap and stake supported digital assets.Read 30 Sep 2026 · guarda.com
Cross-platform availability
The service is offered through web, Windows, macOS, Linux, iOS, Android and a browser extension.Read 19 Oct 2026 · guarda.com
Developer utilities
Guarda's site lists validation statistics, payment deeplinks, a mnemonic converter and a backup decoder for developers.Read 19 Oct 2026 · guarda.com
Fees
Guarda says it charges no platform fees for sending or using the app; blockchain network fees still apply.Read 30 Sep 2026 · guarda.com
Fiat purchases
Users can buy crypto inside the wallet through third-party payment providers using methods such as cards and SEPA.Read 19 Oct 2026 · guarda.com
Gas-Free USDT
Its Gas-Free Wallet supports TRC-20 USDT with a fixed 1.5 USDT network charge and requires 4.5 USDT for the first outgoing transaction.Read 19 Oct 2026 · guarda.com
Hardware integration
Compatible Ledger hardware wallets can be connected so private keys remain on the hardware device while Guarda supplies the interface.Read 19 Oct 2026 · guarda.com
Hardware wallets
Guarda supports Ledger and ERA hardware wallets on Web and Desktop, with private keys remaining on the hardware device.Read 30 Sep 2026 · guarda.com
Launch year
Guarda says its first Ethereum wallet launched in 2017.Read 19 Oct 2026 · guarda.com
Legal entities
Guarda identifies GUARDACO LDA in Portugal and GUARDIUM LTD in the British Virgin Islands as entities providing its wallet services.Read 19 Oct 2026 · guarda.com
Limit: access and recovery complaints
A Trustpilot reviewer reported losing access after a login change because the required restore phrase or backup was unavailable, and said chat did not work.Read 19 Oct 2026 · trustpilot.com
Limit: backup complexity
Coin Bureau says Guarda's encrypted-file-and-password recovery differs from the familiar 12- or 24-word seed model and can lock users out if either item is lost.Read 19 Oct 2026 · coinbureau.com
Limit: exchange costs
Coin Bureau notes that partner fees and exchange-rate spreads can make a swap materially more expensive even when Guarda shows no platform fee.Read 19 Oct 2026 · coinbureau.com
Limit: hot-wallet exposure
Coin Bureau characterizes the normal software wallet as internet-connected and therefore exposed to malware, phishing and malicious browser software.Read 19 Oct 2026 · coinbureau.com
Limit: mobile design
The same Apple reviewer criticized the dated visual design and overly bright dark mode.Read 19 Oct 2026 · apps.apple.com
Limit: platform maintenance
Coin Bureau observed active mobile development while the public desktop page still offered version 1.1.1 from September 2021.Read 19 Oct 2026 · coinbureau.com
Multisig
Guarda lists Bitcoin multisignature support among its products and features.Read 19 Oct 2026 · guarda.com
Network fees
Guarda says it adds no extra fee for ordinary blockchain transfers, while users still pay the applicable network fee.Read 19 Oct 2026 · guarda.com
Praise: broad asset support
An Apple reviewer valued support for coins such as XRP and Monero and the ability to buy into private wallets inside the app.Read 19 Oct 2026 · apps.apple.com
Praise: simple service and support
Trustpilot reviewers repeatedly describe the wallet as easy to use and say live chat or support responds quickly.Read 19 Oct 2026 · trustpilot.com
Praise: usability and support
A G2 reviewer praised the user-friendly interface, fast transactions, cross-platform synchronization, easy buying and selling, and responsive support.Read 19 Oct 2026 · g2.com
Privacy processing
The privacy policy says third parties including Sumsub, Twilio, Guardarian and analytics providers may process data for KYC, authentication, purchases and site operation.Read 19 Oct 2026 · guarda.com
Purchase fee example
Guarda's help material says partner charges are around 5% for card purchases and about 2% for SEPA purchases.Read 19 Oct 2026 · guarda.com
Purchase verification
Fiat on-ramp providers may require identity verification (KYC), and availability, limits and fees depend on country and provider.Read 30 Sep 2026 · guarda.com
Rating on Apple App Store
4.0 out of 5 from 936 reviewsRead 19 Oct 2026 · apps.apple.com
Rating on Chrome Web Store
3.9 out of 5 from 26 reviewsRead 19 Oct 2026 · chromewebstore.google.com
Rating on G2
4.6 out of 5 from 5 reviewsRead 19 Oct 2026 · g2.com
Rating on Google Play
3.8 out of 5 from 6.14K reviewsRead 19 Oct 2026 · play.google.com
Rating on Trustpilot
4.3 out of 5 from 2,250 reviewsRead 19 Oct 2026 · trustpilot.com
Recovery responsibility
If users lose their private keys or backup file, Guarda says they lose access to the wallet.Read 30 Sep 2026 · guarda.com
Security incident
Coin Bureau reports that Guarda's domains were hijacked in December 2020 and redirected to a phishing page that requested wallet backups.Read 19 Oct 2026 · coinbureau.com
Security model
Guarda says it does not store private keys, seed phrases or passwords; wallet data is encrypted and kept locally.Read 19 Oct 2026 · guarda.com
Staking
Guarda provides staking for eligible assets and publishes staking guides for networks including Cardano, Cosmos, Tron and Tezos.Read 19 Oct 2026 · guarda.com
Supported platforms
Guarda is available as Web Wallet, Desktop Wallet, iOS and Android mobile apps, and a browser extension.Read 30 Sep 2026 · guarda.com
Swap and purchase providers
Crypto purchases and swaps are powered by ChangeNOW, Guardarian and Simplex.Read 30 Sep 2026 · guarda.com
Swaps
The built-in Swap function converts supported cryptocurrencies without leaving Guarda.Read 19 Oct 2026 · guarda.com
Token standards
The wallet supports ERC-20, ERC-721, TRC-10, TRC-20, BEP-2, BEP-20, Waves and Neo token formats.Read 19 Oct 2026 · guarda.com
Wallet model
Guarda is a non-custodial wallet; it never stores private keys or seed phrases and does not control users’ funds.Read 30 Sep 2026 · guarda.com

Plans and prices

Guarda Wallet Free no platform fee · network fees apply · third-party provider fees may apply Read 30 Sep 2026 · guarda.com
Guarda Wallet Free network fees · partner fees may apply to purchases and swaps Read 19 Oct 2026 · wikibitimg.tech002.com

Every Guarda Wallet plan and price →

Strong points and limits

Strong points

  • Supports more than 1 million assets across over 70 networks
  • Available on web, desktop, mobile, and browser extension
  • Staking is supported across 14 networks
  • Advertises 24/7 live support

Limits

  • Network fees still apply
  • Third-party provider fees may apply
  • Losing private keys or backup file means losing wallet access

Who it suits

It suits people who want to manage digital assets across multiple networks using a non-custodial wallet. Users who want hardware-wallet support can connect Ledger or ERA on web and desktop.

Guarda Wallet in depth

Read the full write-up

Guarda Wallet is a non-custodial cryptocurrency wallet for managing digital assets across mobile, desktop, web and browser-extension platforms. It is best suited to people who want broad asset coverage and wallet tools in one place, and who are comfortable securing their own recovery details. Its breadth is useful; the trade-off is that losing the keys or backup file means losing access.

Overview

Guarda supports more than 1 million digital assets across over 70 blockchain networks. Users can store, send, receive, buy, swap and stake supported assets, including peer and international transfers. The company says its first Ethereum wallet launched in 2017 and is headquartered in Lisbon, Portugal.

As a non-custodial wallet, Guarda does not hold private keys or seed phrases and does not control users’ funds. That gives users responsibility for protecting their own access: Guarda says a lost private key or backup file means the wallet cannot be recovered. Browse our Digital Wallet Apps guide for more choices.

Key features

Assets and transfers

The breadth of supported assets and networks can be useful for people holding tokens across multiple chains. It does not eliminate the need to check that a receiving wallet and network support the asset and route before sending. Guarda supports sending and receiving, but blockchain network fees still apply.

Purchases and swaps

Depending on region and provider, users can buy crypto with cards, Apple Pay, Google Pay or bank transfer. ChangeNOW, Guardarian and Simplex power purchases and swaps. On-ramp providers may require identity verification, and purchase availability, limits and fees vary by country and provider. Guarda says it charges no platform fees for app use or sending, but provider charges and network fees may still affect the cost.

Staking and additional wallet options

Staking is supported across 14 networks, giving users a way to stake supported assets from within the wallet. Guarda also supports Ledger and ERA hardware wallets on Web and Desktop; private keys remain on the hardware device, which suits users who want that separation. Multi-signature functionality is provided through the third-party Safe smart account protocol on Ethereum and compatible networks. Guarda advertises 24/7 live support.

Pricing

Guarda Wallet: free. There is no platform fee for sending or using the app, but network fees apply and third-party provider fees may apply to purchases and swaps. The free plan suits users seeking wallet functions without a subscription; it does not make transactions cost-free, and purchases may also involve provider-specific limits or verification.

Platforms

Guarda is available on Android, iOS, Linux, macOS, Windows, the web and as a browser extension. Its Web and Desktop wallets also support Ledger and ERA hardware wallets. This range can accommodate users moving among phone, computer and browser, though hardware-wallet support is limited to Web and Desktop.

Who it's for

Guarda is a reasonable fit for users who want one wallet for a wide range of supported digital assets, transfers, purchases, swaps and staking across several platforms. It is less suitable for anyone who wants a provider to retain recovery access or does not want to manage private keys and backup files. Those buying crypto should also be prepared for provider fees, regional availability limits and possible identity checks.

Pros and cons

Pros: Supports more than 1 million assets across over 70 networks, with storage, transfers, purchases, swaps and staking in one wallet.

Pros: Broad platform coverage, plus Ledger and ERA support on Web and Desktop for users keeping keys on hardware.

Cons: Users bear recovery responsibility; losing private keys or the backup file means losing access.

Cons: No platform fee does not mean no transaction costs: network fees and third-party provider charges may apply, and purchase terms vary by region.

Alternatives

Coin Wallet is another free wallet across mobile, desktop and web; it may suit readers who value publicly hosted client code. Rainbow is another free wallet with a similarly broad platform range. Solar Wallet may suit readers looking for a Stellar wallet whose code is published under the GPL license for public auditing.

Monzo, Monese and Wise are account and transfer alternatives rather than like-for-like crypto wallets. Google Pay is a free option for online checkout and in-store tap to pay. PayPal Invoicing is for creating and sending invoices, with transaction fees when customers pay.

Verdict

Choose Guarda if you want broad digital-asset support and buying, swapping and staking across multiple platforms, while retaining direct responsibility for wallet recovery. Its strongest reason to choose it is the combination of extensive network coverage and varied wallet functions; its clearest reason to look elsewhere is the burden of securing keys and backup files, alongside fees that can still arise from networks and providers.

Verdict

Guarda offers asset management, purchases, swaps, staking, and hardware-wallet support across several platforms. Users retain responsibility for private keys and backup files, and provider or network fees may apply.

Where Specifiction places it

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