11 Best Bitcoin (BTC) Wallets of 2024

If you’re new to selecting a Bitcoin wallet, the abundance and diversity of options can be overwhelming. This article presents a list of the best Bitcoin wallets available for you to choose from.

List of top crypto wallets

Keep reading and find out more about these Bitcoin wallets.

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Best Bitcoin Wallets comparison table

Best Bitcoin Wallets

#1 Coinbase Wallet

Coinbase, the largest cryptocurrency exchange in the United States, is highly favoured by investors for its reputable platform. It features a user-friendly interface, a diverse selection of cryptocurrencies, and opportunities to earn free crypto.

Furthermore, the Coinbase wallet prioritizes secure trading experiences through adherence to regulatory compliance standards.

Why choose Coinbase wallet?

Coinbase Wallet is a self-custody wallet that empowers users with complete control over their cryptocurrency assets by storing private keys directly on their devices.

Key features:

• Comprehensive assistance for both cryptocurrency and traditional financial services.
• A diverse selection of deposit methods for enhanced flexibility.
• Absence of rigid constraints on card payments.
• Efficient and swift onboarding process for user convenience.
• Availability on both Apple Store and Google Play platforms.

Price: Free to download.

Pros:

• Intuitive wallet interface for a user-friendly experience.
• Access to educational resources.
• Availability in multiple countries.

Cons:

• Higher fees compared to other wallets.
• Limited availability of customer support.

📚Learn How to Cash Out on Coinbase: A Step-by-Step Guide, How to Withdraw from Coinbase

#2 BlueWallet Bitcoin Wallet

Introduced in 2017, BlueWallet is a user-friendly Bitcoin wallet designed for on-chain and Lightning Network transactions. It offers two types of Bitcoin wallets: a desktop wallet for MacOS and a mobile wallet for iOS and Android.

This Bitcoin wallet prioritizes privacy by not requiring personal information or KYC procedures and supports multiple languages and currencies.

Why choose BlueWallet Bitcoin Wallet?

Selecting BlueWallet for your Bitcoin needs provides a user-friendly interface, Lightning Network support, multi-wallet management, and a focus on simplicity.

Key features:

• Option to import wallets.
• Multisig vault.
• Option to use hosted Lightning wallets or connect to the node.
• A fee estimation targeting confirmations in 10 minutes, 3 hours, or one day.
• A fake wallet is set up for security.
• Allows you to hold your cold storage or paper wallet without touching your private key.
• Ability to send multiple transactions in one batch

Price: Free to download.

Pros:

• Open Source with MIT licensing for user flexibility.
• Focus on security with plausible deniability, full encryption, and support for SegWit & HD wallets.
• User control over private keys.
• Option to set custom transaction fees.
• Ability to buy Bitcoin directly in the wallet.
• Local Trader feature for peer-to-peer trading without intermediaries.

Cons:

• Bitcoin-only wallet.
• Requires minimal personal information, potentially exposing users to fraud.
• Vulnerable to viruses and attacks due to its online nature, risking users’ funds.

#3 Exodus Wallet

Introduced in 2015, Exodus is a user-friendly software crypto wallet tailored for managing and safeguarding Bitcoin and various other cryptocurrencies. Also, it offers an option to hold funds in different foreign currencies.

Available across mobile, desktop, and Web3 platforms, the Exodus crypto wallet supports an extensive number of cryptocurrencies. Its intuitive interface is accessible on desktop (Windows, macOS, Linux) and mobile (iOS, Android) devices.

Why choose Exodus Wallet?

Exodus Wallet is an excellent choice for users seeking a user-friendly, secure, and versatile desktop and mobile wallet supporting multiple cryptocurrencies, staking, exchange, and portfolio tracking.

Key features:

• User-friendly interface for a smooth user experience.
• Incorporated exchange functionality.
• Staking rewards directly within the wallet.
• Accessible on both desktop and mobile devices.

Price: Free to download.

Pros:

• Accessible on iOS and Android platforms.
• No need to provide personal data for wallet creation.
• Strong security protocols were implemented.

Cons:

• Some users report high trading fees.
• Security concerns due to closed-source code.

#4 Ledger Nano X

Founded in 2014, Ledger is well-known for its high-quality cold wallets. Led by experts in blockchain security, the company is dedicated to strengthening the blockchain industry. Ledger provides tailored security solutions for banks, hedge funds, and individuals with high net worth.

Their leading product is the Ledger Nano X. This hardware wallet accommodates over 1,800 cryptocurrencies and functions seamlessly on iOS, Android, and Windows platforms.

Why choose Ledger Nano X?

Opting for the Ledger Nano X wallet ensures superior security and convenience. Featuring offline storage, Bluetooth connectivity, extensive coin support, and an intuitive design, it provides a secure and effortless solution for protecting and managing digital assets.

Key features:

• Secure storage without the need for an internet connection.
• Wireless Bluetooth connection compatible with various devices.
• Expanded storage capacity.
• Support for over 5,500 coins and tokens.
• Capability for staking and support for NFTs.

Price: €149.

Pros:

• Accessibility through the Ledger Live mobile app.
• Improved security features.
• Generous storage capacity.
• Bluetooth connectivity.

Cons:

• Higher cost.
• The setup process may be complex.

#5 Trezor Model T Wallet

Trezor makes leading hardware wallets, with its top choice being the Model T. It focuses on security by keeping keys offline and requiring users to confirm transactions on the device.

The Trezor Model T hardware wallet has a slot for encrypted storage, connects to mobile devices via USB-C, and has an easy-to-use interface. This cold wallet offers better security and more features than cheaper Trezor models.

Why choose the Trezor Model T Wallet?

Selecting the Trezor Model T hardware wallet is smart for users who prioritize security.

This hardware wallet delivers advanced security measures, supports various cryptocurrencies, and is compatible with popular wallets and services, enabling you to store and access your funds securely.

Key features:

• A 1.54″ LCD screen.
• Support for over 9000 coins and tokens.
• A Trezor Suite for coin management.
• Provides a 12-word Standard Backup and Shamir Backup for safe asset recovery.
• Compatible with browsers, desktop operating systems, and Android devices via USB-C.

Price: €179.

Pros:

• The quad-core ARM processor ensures fast performance.
• You have full ownership of your coins.
• Access to the recovery seed is convenient.
• It supports most major cryptocurrencies.

Cons:

• Lacks Bluetooth connectivity support.
• Higher price relative to other alternatives.

#6 Trust Wallet

Trust Wallet is a Web3 wallet. It facilitates crypto transactions, Bitcoin purchases, NFT management, and DApp exploration. This wallet is a part of the Binance ecosystem.

It is available as a mobile app and browser extension, prioritizing security through features like Secure Enclave and biometrics, which safeguard user privacy without sharing personal information.

Why choose Trust Wallet?

Trust Wallet is a secure and user-friendly mobile wallet that supports multiple cryptocurrencies, staking, and DApp browser integration. It offers a safe environment to store funds with advanced crypto features.

Key features:

• You can access Web3 DApps and DeFi protocols.
• You can access NFT marketplaces.
• There’s no need to share personal data.

Price: Free to download.

Pros:

• Access to Web3 DApps and DeFi protocols.
• Support for NFTs and access to NFT marketplaces.
• No requirement for personal data.

Cons:

• Advanced features might be challenging for beginners.
• Most supported coins are only available on mobile devices.

📚Learn How to Withdraw From Trust Wallet

#7 Electrum Bitcoin Wallet

Electrum Bitcoin Wallet is a software wallet offering a secure and customizable option for holding Bitcoin. Established in 2011, it is one of the oldest Bitcoin wallets, renowned for its user-friendly setup process.

While this crypto wallet concentrates on Bitcoin storage, it provides features like customizable security options and fast blockchain synchronization.

Despite past security breaches, Electrum regularly updates its design, offers multi-signature support and two-factor authentication, and integrates with cold storage hardware wallets.

Why choose Electrum Bitcoin wallet?

Electrum Bitcoin wallet is a perfect fit for Bitcoin (BTC) enthusiasts and individuals seeking self-custody of their BTC. The wallet is lightweight, user-friendly, and accessible on desktop and Android mobile platforms.

Key features:

• Ability to recover wallet with a secret phrase.
• Fast due to its servers indexing the Bitcoin blockchain.
• Servers are decentralized and redundant, ensuring constant access.
• Verifies transactions using SPV.
• Keep your private keys offline and use a watching-only wallet when online.

Price: Free to download.

Pros:

• Compatible with major hardware wallets.
• Easy to set up.
• Beginner-friendly platform.
• Customizable security features.

Cons:

• Unavailable for iOS users.
• Only supports Bitcoin.
• No direct customer support.

#8 Atomic Wallet

Established in 2017 and based in Tallinn, Estonia, Atomic Wallet is a versatile cryptocurrency application. Their Bitcoin wallet is trusted by 5,000,000 users worldwide.

Its user-friendly interface and decentralized structure position it as a leading option for managing diverse crypto assets, allowing easy storage, transfer, and receipt of cryptocurrencies.

Moreover, it is compatible with networks like Binance Smart Chain and Monero, enhancing its versatility and appeal.

Why choose Atomic Wallet?

Atomic Walle offers a secure and versatile wallet for desktop and mobile devices. It enables instant exchange, atomic swaps, and cold staking.

Key features:

• More than 1000 coins and tokens are supported.
• Instant swapping is available.
• Cashback feature included.
• Rewards on staking various coins with APR ranging from 5% to 20%.
• Private key and password encryption ensures security.
• Access to 24/7 live support.

Price: Free to download.

Pros:

• Basic wallet functions do not require accounts, verification, or KYC.
• User-friendly interface for easy navigation.
• Customer support is available 24/7.
• Get 1% cashback on transactions.

Cons:

• Fiat-to-crypto purchases have a fixed 2% fee, with a minimum of $10.
• Hardware wallet integration is pending.
• In June 2023, a security breach caused some Atomic Wallet users to lose funds from their accounts.

#9 Gemini Wallet

Cameron and Tyler Winklevoss, cryptocurrency pioneers, founded Gemini Wallet, which provides users with a user-friendly interface and various buying and selling options. Gemini calls its wallet the most insured Bitcoin wallet.

The official website highlights its role as a cryptocurrency exchange and custodian, boasting SOC1 Type 2 and SOC 2 Type 2 certifications for security.

However, it’s important to note that the exchange has experienced data breaches, resulting in users receiving phishing emails.

Why choose Gemini wallet?

With support for multiple cryptocurrencies, a simple and intuitive interface, and robust security measures, Gemini Wallet offers a convenient way for users to buy, sell, and hold digital assets.

Key features:

• Access to various digital assets.
• Smooth fiat on-ramps.
• Insurance coverage for specific digital asset losses.
• Crypto rewards for purchases with the Gemini Credit Card.
• It has advanced security features: price alerts, recurring buys, and secure staking.
• Regulated by the New York Department of Financial Services.

Price: Free to download.

Pros:

• Suitable for beginners and experienced traders, featuring an easy-to-use platform.
• Offers a credit card with crypto rewards.
• Supports a wide range of cryptocurrencies.
• Implements strong security measures, including two-factor authentication.
• Regulated, providing credibility and trust.

Cons:

• Complex fee structure.
• Limited availability of the Gemini Credit Card (only in the USA).
• Some features may be restricted based on location.
• All investments carry risks, as acknowledged by Gemini.
• Customer support responsiveness may vary.

#10 Mycelium Bitcoin Wallet

Mycelium, a hot wallet launched in 2008, is available on iOS and Android platforms, enabling users to send and receive crypto via the Bitcoin payment network.

It offers advanced features like hierarchical-deterministic wallets, cold storage options, and Bit ID authentication for enhanced security.

While Mycelium primarily focuses on Bitcoin and Ethereum, it has limited support for alternative cryptocurrencies and lacks a desktop interface, indicating areas for potential improvement.

Why choose Mycelium Bitcoin wallet?

Selecting the Mycelium Bitcoin wallet provides strong security, an easy-to-use design, and mobile convenience for storing Bitcoin and Ethereum. Yet, it could improve by supporting more cryptocurrencies and adding a desktop version.

Key features:

• Management of Bitcoins, Ethereum (ETH), and ERC-20 tokens via your mobile phone.
• Multiple accounts without reusing addresses.
• Quick connection to the Bitcoin network through super nodes for fast transactions.
• Secure cold storage integration and personal identification number (PIN).
• Access to the Local Trader feature to find nearby Bitcoin traders.

Price: Free to download.

Pros:

• Complete control over the private keys.
• Quick setup.
• Multi-device management.
• Enhanced privacy and availability.
• Timely execution of transactions based on blockchain load.

Cons:

• Complex advanced features for beginners.
• Lack of customer support.
• There is no built-in buy/sell option.

#11 KeepKey Wallet

KeepKey is a top-tier cold storage wallet that securely stores digital assets. It offers offline storage for private keys, easy backup and recovery, a simple display for transactions, seamless crypto exchanges, and support for numerous cryptocurrencies.

With stress-free security, customizable transaction speeds, unlimited wallet addresses, and compatibility with various crypto needs, KeepKey provides users with peace of mind and control over their digital assets.

Why choose KeepKey Wallet?

Choose KeepKey Wallet for secure and easy storage of multiple cryptocurrencies. Its sleek design, reasonable price, and integration with ShapeShift for direct crypto trading make it a great choice for managing digital assets.

Key features:

• Supports over 7,000 assets and 350 chains
• Dapp Store included
• Each device generates a 12-word recovery sentence
• Native integration with Thorchain for crypto exchange
• Unlimited wallet addresses on one device
• Compatible with PC, Mac, and Linux
• Offers a native RESTful API

Price: $78.

Pros:

• High-level security.
• Sleek and user-friendly design.
• Integration with Shapeshift for direct crypto-to-crypto trades.
• Wide list of supported currencies.

Cons:

• Some users experience difficulties accessing customer support.
• Concerns arise about using unofficial software for recovery phrases following the retirement of the official Chrome app.

What is the most secure Bitcoin wallet?

The safest crypto wallets for Bitcoin are typically cold wallets, particularly hardware wallets such as the Trezor Model T and Ledger Nano X.

Best hardware wallet for Bitcoin

Ledger Nano X and Trezor Model T are some of the best hardware wallets for Bitcoin.

Best software wallet for Bitcoin

Here are some of the best software crypto wallets for Bitcoin:

1. swissmoney wallet
2. Coinbase wallet
3. BlueWallet Bitcoin wallet
4. Exodus wallet
5. Trust Wallet

Best Bitcoin wallet app

Here are some of the best Bitcoin wallet apps:

BlueWallet: It offers a feature-rich mobile app with a simple user interface and Lightning Network integration, making it an excellent choice for Bitcoin traders looking for a user-friendly experience.

Trust Wallet: It provides a clean and scannable app interface, built-in support for dApps and NFTs, and accommodates over 70 blockchains, making it a versatile option for securely storing various digital assets.

swissmoney: An all-in-one app that lets you manage fiat and crypto funds, buy, sell, convert money, and control your payment card. With its straightforward interface, it caters to both beginners and advanced users engaging in daily digital transactions.

What are the best Bitcoin wallets for mobile devices?

Below are some of the top Bitcoin wallets designed for mobile devices:

• swissmoney wallet
• Coinbase wallet
• BlueWallet
• Trust Wallet
• Mycelium wallet

What is a Bitcoin (BTC) wallet and how does it work?

A Bitcoin wallet is stored on a user’s device and allows users to send and receive Bitcoin.

It contains private and public keys for transactions. Public keys identify recipients, while private keys sign transaction messages and confirm crypto exchanges.

According to specialists, a Bitcoin wallet helps manage and protect the owner’s private keys. However, storing complete private keys locally faces a challenge in case of theft.

What are the types of Bitcoin wallets?

Like every wallet, Bitcoin can be held in hot and cold wallets. Here is a breakdown of the Bitcoin wallet types.

Hot wallets

Hot wallets are cryptocurrency wallets that are connected to the internet. A hot wallet lets users view transaction history, send and receive Bitcoin, and create new transactions. In general, hot wallets offer quick access to funds but are vulnerable to online threats.

Hot wallets are categorized into online and software wallets. Software wallets can be mobile wallets or desktop wallets.

Pros:

• Easy setup and usage.
• Convenient for frequent trading as they are connected to the internet.
• Often free to use.

Cons:

• Vulnerable to hackers due to online accessibility.
• Risk of funds loss if the exchange shuts down.

Software Bitcoin (BTC) wallets

Software wallets are applications that you can install on your computer or mobile device, providing control over your keys. The security of these wallets relies on the app’s infrastructure and your diligence in protecting your device and keys.

Mobile wallets

A mobile wallet is an application on your mobile device for managing keys and facilitating payments through mobile applications offered by companies.

While these wallets are considered safe, regular backups are essential due to common phone issues, theft, and breaches, with storage options varying depending on the application.

Pros:

• Simplifies payment management.
• Faster transactions compared to traditional methods.
• Convenient storage for multiple cards.
• Provides financial services to those with limited access.

Cons:

• The wallet relies on functional devices; loss or damage can lead to data loss.
• Limited acceptance by merchants may restrict usage.
• Connectivity issues and software updates may disrupt service.

📚Read about Mobile Wallets: The Future of Payments in a Connected World

Desktop wallets

Desktop wallets are software programs installed on personal computers, giving complete control over the keys and funds. These wallets store sensitive data locally, typically encrypting it for security purposes.

Regularly backing up the wallet is crucial to prevent loss or damage, with most applications offering recovery options using a seed phrase.

Pros:

• Accessible 24/7 using desktops or laptops.
• Higher security than other wallets: private keys are stored offline, reducing fraud risks.
• No third-party interference is required for transactions.
• Provides a reliable server for storing private keys.

Cons:

• Technical functionalities may sometimes make desktop wallets challenging to use.
• Limitations exist if you want to use crypto assets on the go.
• While more secure than web-based wallets, they are less secure than hardware wallets.

Online wallets

An e-wallet, or online wallet, is a prepaid account for storing money for future online transactions.

Authentication for online wallets usually involves regular login credentials, although registration may link a wallet address to a specific user, potentially revealing their identity.

Typically, the private key of an online wallet is stored on the provider’s server, meaning that if the server is compromised, all assets could be lost.

Web wallets

Web wallets, owned by third parties, offer convenience without the need for installation and accessibility from any location. However, they are generally considered less secure. Additionally, forgetting your login or the private key could result in losing access to all stored assets.

Pros:

• Easily access payment and loyalty cards, simplifying transactions.
• Enable fast transactions, making purchases easier.
• Manage accounts easily with just an ID and password, reducing risk.

Cons:

• Storing private keys on a server increases vulnerability to hacking.
• Not all merchants accept digital payments, limiting usability.
• Reliance on internet connectivity can lead to technical issues.

Cold wallets

Cold storage wallets offer enhanced security by remaining disconnected from the internet. However, this kind of offline wallet is less user-friendly for regular trading.

Although cold wallets are seen as safer, there’s still a security loophole. According to experts, the security of keys in cold storage can be compromised without any software exploit on the cold system but through security incidents at operational levels.

It could be as simple as a flawed random number or associated random events.

Pros:

• Private keys are stored offline.
• Less susceptible to hacking compared to hot wallets.

Cons:

• They can be expensive to acquire.
• Require extra steps for trading and are less convenient for frequent transactions.

There are two main types of cold wallets: hardware wallets and paper wallets.

Hardware Bitcoin (BTC) wallets

Hardware wallets offer top security as they’re not internet-connected. They look and work like USB drives and need a computer with a Chrome-based app to store keys offline.

Losing the wallet means no restoration without a backup, but Bitcoin hardware wallet users control key management. Secure hardware wallets are commonly used alongside software or online wallets for transactions.

Pros:

• Allows backup and recovery with recovery phrases.
• Supports multiple digital currencies.
• Provides durable physical devices.
• Offers high security by storing private keys offline.

Cons:

• Some models have limited connectivity options with a single USB connection.
• Requires time to learn setup and usage effectively.
• Risk of permanent fund loss due to physical damage or loss of the device.
• More expensive than other wallet types.

Paper wallets

Generating a paper wallet requires writing down vital details such as the private key on paper. However, paper wallets are highly impractical due to their absence of technological features.

Pros:

• Inexpensive, requiring only paper and printer resources.
• Easy to transfer or gift without online transactions.
• Offline key storage prevents digital threats.
• Users retain complete control without dependence on third parties.

Cons:

• Insecure printing exposes keys to unauthorized access.
• May become outdated or incompatible with advanced technologies.
• Manual entry raises the risk of human error and potential fund loss.
• Vulnerable to damage or loss from fire, water, or tearing.
• Misplacement leads to permanent loss of access.

📚Read More: Different Types of Crypto Wallets

What factors should I consider when choosing a Bitcoin wallet?

Pricing

Cryptocurrency wallet prices vary by type.

Hot wallets are usually free. However, they still have deposit and withdrawal fees. It’s crucial to check these fees carefully. They differ based on factors like transferring crypto to another wallet or using it on an exchange.

On the other hand, hardware crypto wallets typically cost between €50 and €200, while deposit and withdrawal fees for crypto depend on third-party providers.

Security

Various Bitcoin wallets have different security levels. To protect your BTC tokens, consider choosing a wallet with robust encryption and password, use 2FA if possible, and ensure it has recovery options.

Also, check for biometric security and see if it integrates with hardware wallets for added safety.

Custodianship

In crypto wallets, custodianship refers to who holds the private keys. There are two types of wallets: custodial and non-custodial wallets.

Custodial wallets

In a custodial wallet, users do not have access to their private keys. Instead, the custodian, which can be a cryptocurrency exchange or wallet service provider, is responsible for safeguarding the crypto tokens and providing the necessary interfaces and software.

📚Read about The Best Custodial Wallets for Crypto

Non-custodial wallets

Non-custodial wallets, also known as self-custody wallets, users are accountable for keeping their private keys secure.

This gives crypto users full ownership of their cryptocurrency but also means they must carefully protect their private keys since there are few recovery options if they are lost.

📚Read More: How to Choose the Right Crypto Wallet

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Conclusion

In conclusion, selecting the right Bitcoin wallet is crucial for effectively managing your digital assets. Consider factors such as security, user-friendliness, custodianship, and pricing.

Whether you choose a hardware wallet like the Ledger Nano X or a software wallet like swissmoney, ensure that it offers safety for your private keys and ease of use.

By making an informed decision based on your preferences and requirements, you can confidently navigate the crypto world and safeguard your investments.

Methodology: How did we choose the top Bitcoin wallet?

We thoroughly reviewed the top Bitcoin wallets, considering independent sources and user input. Our assessment covers features, pricing, pros and cons, gathering data from official websites and trusted reviews.

We focused on wallets with high-level security, reasonable fees, and advanced trading features. Our findings are summarized above.

FAQs

Do I need a Bitcoin wallet?

Yes, you need a Bitcoin wallet to store and manage your Bitcoin.

Where can I buy Bitcoin?

You can buy BTC from various platforms, including exchanges, some wallets, and online services. Some popular options are:

1. swissmoney
2. ByBit
3. Crypto.com
4. Kraken
5. Coinbase

📚Read about Fiat to Crypto Exchanges

How do I cash out Bitcoin?

You have several options for how you can cash out Bitcoin:

1. Crypto exchange: Sell your cryptocurrency on platforms like Coinbase, Binance, or Kraken, and then transfer the cash to your bank account.
2. Crypto debit card: Use a crypto debit card like the swissmoney card to spend crypto like regular money in stores or shopping online.
3. Bitcoin ATM: Sell your Bitcoin for cash at a Bitcoin ATM. These machines offer quick cash access but may charge high fees.
4. Peer-to-peer trading: Trade directly with another person on platforms like Paxful or Binance P2P to sell your cryptocurrency for dollars.

📚Read How to Turn Bitcoin into Cash

What are the best Bitcoin wallets for beginners?

Here are some top Bitcoin wallets suggested for beginners:

1. swissmoney wallet. It’s a versatile app that helps handle fiat and crypto funds, allowing you to buy, sell, and convert money, as well as manage your payment card. Designed with a simple interface, this crypto wallet is perfect for beginners and seasoned users alike.
2. Coinbase wallet. It is ideal for newcomers, Coinbase provides a user-friendly interface, accessible as an app on both Android and iOS. It seamlessly integrates with the company’s exchange, ensuring convenient transactions. This wallet is noncustodial, ensuring that only you control your private key.
3. Exodus wallet. It is another excellent option for beginners, Exodus is praised for its user-friendly design and capability to convert cryptocurrencies to cash. It offers secure storage, easy-to-use interfaces, and minimal trading fees.

What are the best free Bitcoin (BTC) wallets?

Most hot crypto wallets, such as swissmoney wallet, Coinbase wallet, and Trust Wallet, are readily available at no cost. So, the best free Bitcoin wallet depends on your needs and wants.

However, although they’re free to acquire and store cryptocurrency, it’s important to be aware that they often entail various fees for certain services. These fees may encompass transaction fees, network fees, and charges for specific features or services offered by the wallet platform.

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