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9 Best USD Coin (USDC) Wallets of 2024

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Choosing the optimal USDC wallet from a myriad of options can feel overwhelming. To simplify this task, we’ve assessed the top ten USD Coin wallets to help you find the ideal fit for your requirements.

A list of the best USD Coin (USDC) wallets for secure and easy crypto usage in 2024:

  • 1. Guarda Wallet
  • 2. MetaMask Wallet
  • 3. Exodus Wallet
  • 4. Trust Wallet
  • 5. Coinbase Wallet
  • 6. Ledger Nano X Wallet
  • 7. imToken Wallet
  • 8. Atomic Wallet
  • 9. TokenPocket Wallet

Keep reading and explore each USDT wallet on our list in more detail.

Looking for a versatile crypto wallet? Discover swissmoney

Swissmoney financial solution provider logo

Introduced in 2021, the swissmoney software custodial wallet is a robust all-in-one solution for holding and spending USD Coin and other coins.

Created by Swiss blockchain technology and cybersecurity professionals, the swissmoney wallet boasts a range of functionalities.

The platform lets you deposit, receive, sell, and buy USD Coin, transfer fiat currency via SEPA, and obtain a payment card with a substantial daily spending limit.


  • Easily conduct global transactions with dedicated IBAN accounts, accommodating both crypto and fiat currencies.
  • Accounts support multiple crypto and fiat currencies.
  • Top-notch security features such as KYC, 2FA, and biometric identification safeguard your assets.
  • Convenient deposit methods are available.
  • Swift processing and consistent fees for instant transfers and crypto conversions.
  • Effortlessly use crypto assets with your card for spending.
  • No strict spending limits are in place.
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9 best USD Coin (USDC) wallets

#1: Guarda Wallet

guarda wallet logo

Introduced in 2017, Guarda Wallet has evolved into a comprehensive platform offering secure digital wallets for effortless digital currency storage and management.

With a strong focus on decentralisation, Guarda supports over 45 blockchains, 400K+ tokens, and a variety of stablecoins. Its versatile products are compatible across all browsers, operating systems, and smartphones, ensuring accessibility for users worldwide.


  • Wallet type: Web wallet.
  • USD Coin deposit/withdrawal fee: 0.5% commission fee from exchange partners for transactions between wallet addresses in one blockchain.
  • Supported cryptocurrencies: 50+
  • Security features: Touch ID, open-source, the option to sync with a Ledger hardware wallet.
  • Deposit methods: SEPA, Visa and MasterCard, Apple, and Union Pay.
  • Crypto exchange: Yes.


  • Accessible on both iOS and Android platforms.
  • No need to input personal data to create a wallet.
  • High-level security measures.


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

#2 MetaMask


MetaMask is a widely used self-custodial wallet. With MetaMask, you can access DApps directly from your browser while maintaining control of your private keys. Its intuitive user interface and seamless browser integration make it a top choice for many.

MetaMask browser extension is compatible with Chrome, Firefox, and Brave, allowing easy storage of USDC and other digital assets in your browser.

Although MetaMask primarily operates on the Ethereum network, you can integrate USDC (USD Coin) into it because USD Coin is a stablecoin. It operates as an ERC-20 token and is compatible with multiple networks.


  • Wallet type: Self-custodial software wallet.
  • USD Coin deposit/withdrawal fee: None.
  • Supported cryptocurrencies: ETH, ERC-20, and ERC-721 tokens.
  • Security features: Security audits, disclosure policy, and bug bounty program.
  • Deposit methods: Bank transfer, debit/credit card, Instant ACH, PayPal (US only).
  • Crypto exchange: Yes (using DEX).


  • Ability to adjust gas fees for transactions.
  • Easy access to Web3 dApps and DeFi applications.
  • Smooth integration with web browsers.
  • The mobile app is available for on-the-go usage.


  • Restricted to the Ethereum network.
  • Seed phrase requires careful handling.

📚 Ready to withdraw your crypto? Learn How to Withdraw from MetaMask to Bank Account

#3 Exodus Wallet


Established in 2015, Exodus Wallet is a straightforward software wallet designed to streamline cryptocurrency and digital asset management for everyone. It focuses on intuitive design rather than technical intricacies.

Exodus provides flexible wallets that accommodate Ethereum-based tokens and various other cryptocurrencies. It is available on multiple platforms, including desktop (Windows, macOS, Linux) and mobile (iOS, Android) devices.


  • Wallet type: Self-custodial software wallet.
  • USD Coin deposit/withdrawal fee: None.
  • Supported cryptocurrencies: >100
  • Security features: Self-custody solution, cloud security, security teams.
  • Deposit methods: No direct fiat currency deposit. DEXs, P2P, direct transfer from a USD coin wallet.
  • Crypto exchange: Yes.


  • Intuitive interface for managing cryptocurrencies.
  • Opportunity for staking rewards.
  • Integrated exchange for seamless trading.


  • Limited customer support options.
  • The security level might not match that of cold wallets.

#4 Trust Wallet

Trust wallet

Trust Wallet is a Web3 wallet designed to streamline cryptocurrency transactions. The Trust Wallet lets you buy, sell and swap USD Coin, earn rewards, manage NFTs, and explore decentralised applications (dApps).

Additionally, Trust Wallet is accessible via mobile devices and browser extensions. The wallet is great for experienced crypto investors.


  • Wallet type: Self-custodial software wallet.
  • USD Coin deposit/withdrawal fee: None.
  • Supported cryptocurrencies: 140+
  • Security features: Biometrics, alerts for a risky USDC wallet address, bug bounty program, risk monitoring tools, independent security audits, Secure Enclave, and encrypted cloud backup.
  • Deposit methods: DApps, DeFi protocol, DEX swap, third-party platforms, P2P marketplaces, and direct crypto transfer from a USD Coin wallet.
  • Crypto exchange: Yes.


  • The wallet doesn’t require personal data.
  • Access to Web3 dApps and DeFi protocols.
  • NFT support and access to NFT marketplaces.


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

📚 Have the wallet and want to cash out? Learn How to Withdraw From Trust Wallet

#5 Coinbase Wallet

Coinbase logo

Coinbase, a leading cryptocurrency exchange, provides a Wallet app for securely storing and managing digital assets on mobile devices or as a browser extension.

The crypto wallet lets you exchange USD Coin and enables users to access decentralised apps and NFT marketplaces while encrypting their keys on their devices.


  • Wallet type: Self-custodial software wallet.
  • USD Coin deposit/withdrawal fee: None.
  • Supported cryptocurrencies: 240+
  • Security features: Encryption, custodial insurance, advanced risk management, and 2FA.
  • Deposit methods: SEPA, ACH transfers, credit/debit card, Apple and Google Pay, PayPal, and direct deposits from a USD Coin wallet.
  • Crypto exchange: Yes.


  • Easy-to-use wallet interface.
  • Available in over 130 countries.
  • Extensive educational resources.


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

📚 Read: How to Delete Coinbase Account, How to Cash Out From Coinbase, How to Withdraw from Coinbase

#6 Ledger Nano X Wallet

ledger nano x

Ledger Nano X stands as the flagship hardware wallet of the Ledger. With the capacity to store over 1,800 cryptocurrencies, this wallet seamlessly operates on iOS, Android, and Windows platforms.

Established in 2014, Ledger is led by blockchain security experts. The company is committed to fortifying the blockchain revolution. It specialises in tailored solutions for safeguarding crypto assets, catering to banks, hedge funds, and high-net-worth individuals.


  • Wallet type: Hardware wallet.
  • Price: €149
  • USD Coin deposit/withdrawal fee: Depends on a third-party provider.
  • Supported cryptocurrencies: 1,800+
  • Security features: PIN code, CC EAL5+ certified secure chip, offline solution.
  • Deposit methods: Bank transfer, credit/debit card.
  • Crypto exchange: No.


  • Ledger Live mobile app.
  • High security.
  • Bluetooth connectivity for convenience.
  • Ample storage capacity.


  • Higher cost compared to alternatives.
  • Less convenient than hot wallets.
  • Possibility of a complicated setup procedure.

#7 imToken Wallet

imToken wallet

imToken is a trusted cryptocurrency wallet serving users since 2016. With a focus on security and usability, imToken offers many features to help users securely manage their digital assets and navigate the evolving landscape of decentralised finance (DeFi) and Web3.

Besides a non-custodial software wallet, imToken also offers imKey hardware wallets. The price ranges from $39.99 to $99.99.


  • Wallet type: Non-custodial wallet.
  • USD Coin deposit/withdrawal fee: N/A.
  • Supported cryptocurrencies: 35+ networks.
  • Security features: Optional offline signature, third-party security audit, risk control system, and biometric verification.
  • Deposit methods: Exchanges, on-chain transfers, and cross-chain bridges.
  • Crypto exchange: Yes (DEX).


  • Strong protection for assets.
  • Convenient monitoring of balances and prices.
  • Access to trading and earning options.
  • Seamless interaction with networks and DApps.


  • Pending hardware wallet support.
  • Flat fee for purchasing tokens.
  • Previous incident of missing funds.

#8 Atomic Wallet

atomic wallet

Established in 2017 and based in Tallinn, Estonia, Atomic Wallet stands out as a multifaceted cryptocurrency application.

Its intuitive interface and decentralised structure position it as a premier option for managing various crypto assets, facilitating seamless storage, transmission, and receipt of cryptocurrencies.

Furthermore, it offers compatibility with additional networks like Binance Smart Chain and Monero, enhancing its versatility and appeal.


  • Wallet type: Software wallet.
  • USD Coin deposit/withdrawal fee: None.
  • Supported cryptocurrencies: 300+
  • Security features: Private keys encryption, 12-word backup phrase.
  • Deposit methods: Direct deposits from another USD Coin wallet.
  • Crypto exchange: Yes.


  • No requirement for accounts, verification, or KYC for basic wallet features.
  • User-friendly interface.
  • Accessible 24/7 customer support.


  • Flat 2% fee (minimum $10) for purchasing cryptocurrency with fiat.
  • Pending integration with hardware wallets.
  • In June 2023, a security breach resulted in reports of missing funds from Atomic Wallet users’ wallets.

#9 TokenPocket Wallet

token pokect wallet

TokenPocket Wallet is a top multi-chain crypto and DeFi wallet, serving over 20 million users since 2018. It offers secure management for Bitcoin, Ethereum, Polkadot, TRON, EOS, IOST, BOScoin, Polygon, etc.

Integrated with 2200+ DApps, users can easily send, receive, and swap tokens in one place. TokenPocket also provides live token prices and blockchain news. Security is ensured with a 6-digit PIN, fingerprint, and FaceID login options.

In addition, TokenPocket offers a wide range of wallets: a mobile/desktop wallet, a hardware wallet, and an extension wallet.


  • Wallet type: Software wallet.
  • USD Coin deposit/withdrawal fee: None.
  • Supported cryptocurrencies: 30+
  • Security features: Open-source non-custodial wallet, backup and restore features, 8-digit passcode, biometric authentication, access to cold wallets, WalletConnect feature, encrypted private keys, and multiple private key backup options.
  • Deposit methods: Direct transfers from other crypto wallets or exchanges.
  • Crypto exchange: Yes.


  • High-level security.
  • A wide range of cryptocurrencies.
  • Easy access to DApps.
  • Ability to manage NFTs.


  • Limited functionality on iOS.
  • Issues with customer support.
  • Can be complex for beginners.


  • All information provided is dated 23 February 2024 and may have been updated since. Please check each platform’s official website for the latest information.

What is a USDC wallet?

A USDC wallet is a digital wallet designed to store, manage, and transact with USD Coin (USDC). USDC wallets allow users to buy, sell, trade, and use USDC and other cryptocurrencies in a safe and simple but powerful app.

USDC wallets are commonly used for global payments, trading, earning interest, and as a stable store of value.

📚 Learn more:USDC Wallet: All you need to know

How to Choose a USDC Wallet

Consider the following aspects when selecting a USD Coins (USDC) wallet.

Network Support

Not every crypto wallet supports USD Coins. Therefore, before choosing a USDC wallet, ensure it can handle USDC tokens. USDC is primarily available as an Ethereum ERC-20 token. Therefore, look for wallets that support the Ethereum network.

Additionally, since many USDC holders possess other cryptocurrencies and digital assets such as Bitcoin, Tether, and Dogecoin, it is crucial to consider which currencies the wallet supports and its capacity to accommodate them.

📚 Read More: How to Choose a Right Crypto Wallet

Types of USD Coin Wallets

There are two main types of crypto wallets: hot and cold.

Hot wallet

Hot wallets are convenient for frequent transactions because they’re connected to the internet, providing instant access to funds. But being online also puts them at greater risk of cyber threats like hacking and phishing attacks.

Hot wallets can be software or online

Software-type wallets are apps on computers (desktop wallets) or mobile devices (mobile wallet). Their security depends on the app’s infrastructure, device, and private key protection.

Online wallets store funds and authenticate users through regular login credentials. Third parties own online web wallets, which offer convenience but are less secure due to potential loss of access if you forget your login or a private key.

Cold wallet

Cold wallets offer enhanced security but are less ideal for frequent crypto trading. These offline wallets operate without internet access and are designed to withstand online hacking attempts securely. They come in hardware or paper form.

Hardware wallets are the most secure option, resembling USB drives, and store private keys offline. Paper wallets, on the other hand, are not technologically advanced. As the name suggests, they entail writing private key information on paper, lacking technological features, and being highly impractical.

Custodial vs. Non-custodial Wallet

Investors must decide between custodial and non-custodial USD Coins wallets.

Custodial Wallets

In custodial wallets, users lack control over their private keys since the custodian secures the USDC tokens. Providers of custodial wallets, like cryptocurrency exchanges and wallet services, hold users’ private keys and execute transactions on their behalf.

These entities, referred to as Virtual Asset Service Providers (VASPs), commonly offer free wallet creation and generate revenue mainly from trading fees. They operate akin to a bank account.

📚Read: Best Custodial Wallets for Crypto

Non-custodial Wallets

When it comes to non-custodial wallets, users are responsible for securing their private keys, which exposes them to cybersecurity risks.

Non-custodial wallets provide cost-effectiveness and straightforward setup and usage. They enable access to decentralised finance and peer-to-peer applications, offering economical financial services and products.

📚Read More: Non-Custodial Wallet Explained

Costs and fees

Wallet costs and fees vary depending on the type. Hardware wallets typically range from €50 to €200, while the fees for depositing and withdrawing USD Coins depend on third-party providers. Hot wallets are often free but may have fees for deposits and withdrawals.

USD Coins transaction fees

Transaction fees, known as gas fees on the Ethereum blockchain, apply to transactions such as sending or swapping USDC and executing Ethereum smart contracts. 

Users must determine a suitable gas price on the Ethereum blockchain to ensure transaction approval by miners.

It’s crucial to carefully consider these fees as they can change based on the type of transaction and platform. Some platforms may offer lower fees for transactions within their network or using their blockchain.

📚Learn: How to Withdraw USDC to a Bank Account


When choosing a USD Coin wallet, prioritise security. Here are a few recommendations that may help ensure the safety of your USDC tokens:

  • Backup options are needed to restore the wallet if the device is lost or fails.
  • Robust encryption and strong password protection are crucial for securing USDC tokens.
  • Some wallets offer biometric security like fingerprint or face recognition for extra protection.
  • Using a wallet with 2FA adds another layer of security.
  • Wallets that work with hardware wallets like Ledger or Trezor provide extra security, especially for long-term storage.

While many USD Coin wallets offer robust security features, be aware of possible scams and other risks.

USDC hot wallet

A USDC hot wallet is a type of cryptocurrency wallet that lets you access the USDC stablecoin from anywhere using the web, mobile, or desktop apps.

These wallets are online. It makes it easy to access funds quickly, but they come with security risks. They’re for storing and handling USDC, a stablecoin pegged to the U.S. dollar.

Pros of the USDC hot wallets

  1. Quick access to USDC, ideal for frequent trading and transactions.
  2. Staking features for earning yield on USDC holdings.
  3. User-friendly interfaces, prioritising ease of use.
  4. Integration with DApps and exchanges for seamless access to crypto services.

Cons of the USDC hot wallets

  1. More susceptible to hacking due to internet connection.
  2. Some are custodial, meaning users lack control of private keys, posing custodial risks.
  3. May have limited security features compared to cold wallets, exposing funds to online threats.
  4. Less suitable for long-term storage of USDC and other cryptocurrencies due to security vulnerabilities.

The most popular USDC hot wallets:

  • swissmoney Wallet: An ideal software wallet for everyday crypto and fiat transactions.
  • Trust Wallet: A highly secure software wallet seamlessly integrated with Web 3.0 browsers.
  • Atomic Wallet: A versatile software wallet supporting various cryptocurrencies, including USDC.
  • MetaMask Wallet: A reliable software wallet enabling secure access to blockchain-based apps, DeFi, and NFTs in an intuitive interface.
  • Exodus Wallet: A user-friendly software wallet for safely managing USCD on mobile and desktop devices.

USDC cold wallet

A USDC cold wallet is a crypto wallet that stores the USDC stablecoin offline, meaning it’s not connected to the internet. Cold wallets are safer than hot wallets since they’re not at risk of online attacks.

Pros of the USDC cold wallets:

  1. Cold wallets provide high security by being offline, reducing vulnerability to online threats.
  2. They offer a safe option for long-term storage, minimising the theft risk.
  3. Cold wallets cater to those prioritising security over convenience.

Cons of the USDC cold wallets:

  1. Accessibility is limited as they require a physical connection.
  2. Cold wallets are less convenient for daily transactions, necessitating transfers between wallets.
  3. They can be challenging to use for individuals lacking technical expertise compared to hot wallets.

📚Read More: Types of Crypto Wallets

The most popular USDC cold wallets:

  • Ledger Nano S/X: Hardware wallets that store private keys offline and require a physical connection to access the wallet.
  • Trezor Model T: Another hardware wallet that supports USDC and other cryptocurrencies.
  • Paper wallets: A method of printing private keys and public addresses on paper, which can be stored safely.

What are the safest USDC wallets?

The most secure USD Coin wallets include Ledger Nano X, swissmoney, MetaMask, and Guarda Wallet, praised for their security measures, user-friendliness, and compatibility with the Ethereum blockchain.

📚Related: Best Bitcoin (BTC) Wallets

Best hardware wallet for USDC?

The Ledger Nano X is often seen as the best hardware wallet for USDC. Known for its strong security and ability to support over 5500 cryptocurrencies, it’s a top choice. With advanced security features like offline private key storage, it’s reliable for protecting USDC and other cryptos from cyber threats.

Best mobile wallet for USDC?

Here are some of the top mobile wallets for USDC, selected for their user-friendliness, features, and security:

  • swissmoney wallet
  • MetaMask Wallet
  • Trust Wallet
  • Exodus Wallet
  • Guarda Wallet

📚Related: Best Crypto Wallets

Best software wallet for USDC?

Here are our top choices for software wallets to store and manage USD Coin:

  • swissmoney wallet: Ideal for daily transactions.
  • Guarda Wallet: Known for its secure token storage.
  • Trust Wallet: Suitable for a wide range of transactions.
  • Exodus Wallet: Noted for its intuitive interface and comprehensive features.
  • MetaMask Wallet: Offers the best user experience.
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In conclusion, choosing the right USD Coin (USDC) wallet is crucial for safely and easily managing your digital money. With many options available, users must consider security, ease of use, fees, and which cryptocurrencies are supported.

Whether you use a hardware wallet like Ledger Nano X for extra security or a software wallet like swissmoney for easy app access, the best USDC wallet depends on what you prefer and need.

By focusing on security and ease of use, you can navigate cryptocurrency confidently while keeping your money safe.

Methodology: How we chose the top USDC wallets

We extensively reviewed USDC wallets through an analysis of independent sources and user input. Our assessment considered factors, including features, security measures, pricing, and supported currencies, gathering data from official sources and credible reviews.

Our primary focus was on USDC wallets, offering robust security, competitive fees, and advanced trading capabilities. The summaries include our findings, covering aspects like trading tools and deposit options for each wallet.


Which is the best USDC wallet?

The best USDC wallet differs for each individual, depending on their preferences. Nevertheless, following an assessment of the top 10 choices, here are the five best USD Coin wallets:

  1. swissmoney wallet
  2. Guarda Wallet
  3. MetaMask Wallet
  4. Exodus Wallet
  5. Trust Wallet

Where can I buy USDC?

You can buy USDC on various cryptocurrency exchanges and platforms that support it. Usually, these platforms offer various methods for purchasing USDC, such as credit cards, debit cards, bank transfers, Apple Pay, Google Pay, and more.

However, always ensure that you are using a reputable and secure platform when purchasing cryptocurrencies.

📚LearnHow To Buy Crypto with a Prepaid Card

Is the USDC wallet free?

The cost of a USDC wallet varies depending on its type. While software wallets like swissmoney are usually free to acquire, they may involve transactional fees. Conversely, hardware wallets, being physical objects, come with a price tag.

What is a USD Coin?

A USD Coin is a stablecoin pegged to the US dollar. Scientists describe stablecoins as digital currencies designed to keep their value steady by linking them to another currency with less fluctuation. Therefore, USDC tokens are regulated and can be redeemed 1:1 for US dollars.

It is available on various blockchain networks, including Ethereum, Algorand, Solana, and Binance Smart Chain.

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Živilė Šarkauskaitė

Živilė is a writer with a diverse background, having worked with tech start-ups and pioneering brands across various industries. Her profound interest in progress and innovation drives her to the field of Fintech, a realm that sparks her curiosity and inspires her to share insights with others.

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Please be advised that the information presented in this article is intended for general informational purposes only. It should not be construed as professional advice from swissmoney. It is important to note that swissmoney does not act as a financial adviser, and individuals are strongly encouraged to seek independent advice from qualified legal, financial, or accounting professionals before making any decisions related to cryptocurrency investments. Furthermore, investing in cryptocurrency assets carries inherent risks, and individuals should be aware that they may potentially lose all of their invested capital.

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