2025年初學者及加密貨幣愛好者必備的15大加密貨幣App推介（全球適用）

加密貨幣發展愈來愈流動化，現時全球數百萬人都透過手機買賣及追蹤加密貨幣，選對App可令人事半功倍。

無論你是初入門的新手還是有經驗的加密貨幣愛好者，以下15款加密貨幣App都是坊間最受歡迎、以手機使用為主且容易上手的選擇，功能多元齊全。本指南整理實用資訊，並參考業界評論及專家意見，客觀分析各App優缺點，幫你作出明智選擇。

無論你是想買入第一粒比特幣、安全地存放加密資產，或隨時追蹤市場動向，下列App都涵蓋必需工具。我們會詳細介紹用於交易的交易所App、重視安全的非託管錢包、投資組合追蹤工具，還有NFT交易及DeFi平台等熱門工具。立即細看業界專家推薦的頂尖應用程式！

1. Coinbase — 最適合初學者的加密貨幣交易所

Coinbase經常被譽為加密貨幣新手的首選起點。創立於2012年，現已上市的Coinbase擁有全球超過1億用戶，覆蓋超過100個國家，是美國最大、最受信賴的加密貨幣交易所之一，以界面簡單易用和嚴格合規著稱。實際上，Investopedia就評選Coinbase為新手最佳交易所，原因包括快速註冊、嚴格的安全措施及明確收費政策。

特色：Coinbase手機App讓用戶只需幾下輕鬆買賣及持有超過240種加密貨幣，當中包括比特幣、以太幣等主流資產及多款山寨幣，提供簡明的價格圖表及市場數據，同時設有專為進階用戶而設的“Advanced Trade”功能。Coinbase亦特設“學習賺取”教學區，讓新用戶於學習個別幣種時完成小測即有機會獲得少量加密貨幣獎賞。

安全及信心：Coinbase以安全及合規聞名，大部分顧客資產會冷錢包離線儲存，並支援帳戶雙重驗證（2FA）。作為於美國納斯達克上市的公司，Coinbase有更高透明度及法律保障，更為美金餘額提供FDIC保險，以及提供特定加密資產保險，令大家更安心。Money.com指出Coinbase以簡易身份驗證及教學功能，降低了新手進場門檻。

優點：Coinbase優勝於其簡單易用介面及豐富教學資源。支持多種付款方式（銀行、扣帳卡等）方便買幣，顧客服務完善。上架新幣時審核嚴謹，用戶可更安心。

缺點：主要缺點為收費偏高，系統便利之下交易費用較其他平台為高。例如買入$100加密貨幣，Coinbase可能要收取數美元手續費；而一些競爭對手收費更低或零佣金（但有其他限制）。此外，主流Coinbase平台沒有提供孖展交易及衍生品等進階功能，資深用戶可能需要使用Coinbase Pro或其他平台。還有，Coinbase雖然在過百國家可用，但某些地區無法享用部分功能，例如賺取利息等。

專家觀點：Coinbase專為初學者而設，備受業內高度評價。Investopedia稱其“對新手投資者提供極佳服務”，教育資源充足，幫助大眾認識加密貨幣。NerdWallet亦極力推薦其簡單註冊及用戶友好設計，易於身份驗證及入門交易。總結：Coinbase被譽為加密貨幣新手入門首選，結合易用性及業內信譽。

2. Binance — 全球規模最大加密貨幣交易所

論規模及功能，Binance幾乎無人能敵。自2017年成立以來，短短半年內已成為全球最大交易所，現在活躍用戶逾2.8億，每日處理數百億美元交易。2025年4月，Binance佔全球現貨交易量約38%，遠超其他對手——即全球三個加密貨幣交易就有一個在Binance完成。

特色：Binance手機App功能強大，支援超過500種加密貨幣及1,500多個交易對，選擇多元無論主流還是冷門幣種都有提供。設有“Lite”模式（簡易界面，適合新手）及“Pro”模式（進階用戶享用豐富圖表、訂單簿及多類型委託單）。支援現貨、孖展及期貨交易（部份合約可高達125倍槓桿，惟視乎地區而有差異）。

除交易功能外，Binance生態圈豐富，所有功能一App搞掂：Binance Earn（幣息、質押等）、Binance Card（部分地區，VISA消費）、集成NFT市場、Binance Pay（加密支付）、啟動項目發售（Launchpad)，更有自家學院教育內容，堪稱一站式加密貨幣超級App。

優點：Binance以超低交易費及極高流通性著稱，交易手續費只需0.1%，用自家BNB代幣支付更抵。龐大用戶群造就活躍市場，大宗交易容易成交，滑點低。功能齊全，由簡入深，極少用戶會覺得“不夠用”。全球多地均支援法幣充值，資金進出方便，但選項會因地區而異。

缺點：功能太多反而令新手無從入手，特別Pro模式內容繁多容易令人卻步。雖然有簡易模式，但新手或會因幣種選擇及複雜操作而混亂。面對龐大用戶量，客服偶有延遲。另一大挑戰則是監管方面，Binance因應不同國家合規要求，於美國等地未能直接提供服務，而美國用戶需使用功能較有限的Binance.US。某些地區甚至禁止或收緊Binance業務，用戶必須留意地區合法性及規則變化。

專家觀點：儘管面對監管困難，Binance市場地位鞏固。CoinGecko及CoinMarketCap數據均顯示Binance高踞交易量榜首，2025年第2季掌控全球現貨近四分之一市場；計及衍生品更佔更高份額。平台能處理大額交易，又持續創新、推出新功能，讓活躍交易者信任。業界普遍認為Binance廣泛覆蓋市場、用戶資源豐富，是最全功能加密App。不過專家同時提醒，留意各地法律及政策風險。總括而言，只要地區允許，Binance稱得上是投資加密貨幣及追求高階交易功能的必備App。

3. Crypto.com — 友善手機操作的交易所

with Perks

Crypto.com已經成為一個受歡迎的全方位加密貨幣應用程式，特別以其流暢的手機體驗而聞名。該公司於2016年創立，總部設於新加坡，現時在超過90個國家擁有超過一億用戶。Crypto.com主打「讓加密貨幣走進每一個錢包」的理念，亦因大型市場推廣活動（包括體育館冠名權和高調廣告）而廣為人知。不過，撇除宣傳炒作，Crypto.com的app確實提供了一系列功能，既適合新手亦適合資深用家，尤其強調手機優先的便利。

功能：Crypto.com app容許用戶在同一平台買賣、交易、支付及賺取加密貨幣。平台支援超過400種加密貨幣（以最新數字計），你可以通過銀行轉帳、信用卡／扣賬卡，或其他加密貨幣來購買。當中一大亮點是Crypto.com Visa卡 —— 一張連結到你帳戶的預付扣賬卡，讓你在現實生活中用加密貨幣消費。用戶可用加密貨幣充值該卡（屆時會兌換成法定貨幣），消費時可以享有現金回贈（以Crypto.com原生代幣CRO發放）。卡的優惠（如回贈比率、Spotify／Netflix等服務回饋）可以隨著你質押更多CRO代幣而提升，這對於愛好者來說是一大吸引力。

另外，app內還有Crypto Earn功能，可以存入加密貨幣賺取利息（收益），支援數十款主流幣種。利息率視乎幣種和鎖定期限而定，有時相當有競爭力，但會隨市場狀況波動。此外，Crypto.com亦提供獨立的Commission-free加密貨幣交易（無佣金），最近更為部分地區用戶引入加密貨幣衍生品（期貨及期權）交易。app內還有NFT市場及支付功能（可向其他用戶或商戶付款）等。

優點：用戶介面極佳 —— Crypto.com的app一向被讚為直覺易用和美觀，令設置自動買入或質押等複雜操作變得簡單易明。作為手機平台尤其出色；Investopedia甚至選其為加密貨幣交易所中的*「最佳手機app」，肯定了其全功能體驗和明顯以手機為本的設計。預付卡（Visa Card）的整合是其獨特優勢 —— 能真正將加密貨幣融入日常消費，是少有有規模做到這點的app。安全性亦為重點：自從2022年初出現黑客事件後，Crypto.com實施了嚴格措施，包括託管資產保險及提款強制2FA。其後安全記錄出色，更為冷錢包資產提供高達25萬美元保障。對於重視比特幣的用家，Crypto.com還有比特幣期貨及期權支援，因此Investopedia亦稱之為「最適合做比特幣交易」*的平台之一。

缺點：但Crypto.com生態有時較複雜且有局限。某些功能（如更高回贈率、更佳存款利息）需要持有或質押大量CRO代幣，即用戶的權益較容易被綁死在自家代幣之上。如果CRO價格波動，你享有的福利也會受影響。另外，除推廣期外，Crypto Earn的利息大多下調，尤其對沒有質押CRO的普通用戶——現時被動收入未必如從前吸引。還有地域問題：Crypto.com雖然服務多國，但並非全球都可用，即使開放地區，個別產品可能因法規受限制（例如Visa卡、衍生品交易在部分地區不可用）。在美國，Crypto.com亦因監管收緊縮減了一些服務。因此建議大家使用前查核你所在地的最新可用情況。最後，雖然交易所手續費低，但主app內即時買賣功能收費或隱含價差較高，重度交易者建議直接用專屬的「Crypto.com Exchange」介面或app（專為交易而設的UI）。

專家意見：專家多次強調Crypto.com的手機優先設計及其服務多樣性。Investopedia表示，「Crypto.com是最適合手機主導交易者的其中一間交易所」，特別是app操作流暢、支持幣種多元。其用戶數已破億，反映全球普及。撇開巨額推廣，業界普遍肯定Crypto.com產品夠實用 —— 這不只是投資加密貨幣，更是讓你可以實際用到（透過卡及支付功能），推動加密貨幣走出「只持有不使用」的局限。然而，亦有分析指出，Crypto.com高速擴張及以代幣為中心的生態，令用家需留意代幣獎賞機制及自行研究CRO的用途和風險。總括而言，對希望在手機上一次過解決所有加密交易和管理的用戶，Crypto.com常被列為首選。如Money.com所言，其作為最佳加密獎賞平台，正因為結合了推薦獎金、質押回報等多元優惠，為活躍用戶帶來實際價值。如果你習慣用手機理財，又想將加密貨幣融入投資和消費之中，Crypto.com絕對是必備app之一。

4. Kraken – 低收費、高安全，信譽良好的交易所

Kraken是加密行業的資深玩家，創立於2011年，是現存歷史最悠久的加密貨幣交易所之一。多年來，Kraken建立起強大安全聲譽、收費相宜及全球可用的優勢。現時在近190個國家擁有超過千萬客戶，是真正全球化的平台。不像一些新晉對手主打噱頭，Kraken一直著重可靠及信任，因此不少長線投資者及機構級客戶都樂意長期使用。根據Money.com 2025年度排名，Kraken被評為*「整體最佳加密貨幣交易所」*，要歸功於其低成本與高安全標準的組合。

功能：Kraken無論是app還是網站，均支援現貨交易，2025年已支援逾400隻加密貨幣，涵蓋主要幣種及種類繁多的Altcoin，給予交易者極大選擇空間。平台同時為不同層級設有多個交易介面：新手可用簡易買賣流程，進階用戶則有Kraken Pro專業介面。Kraken Pro（可獨立安裝手機app或在主app切換專業模式）支援高級圖表（集成TradingView）、多種下單方式及詳細訂單簿瀏覽。

Kraken的一大優點在於收費模式，採用maker-taker分級制度，30日交易量越多，手續費越低。大多數普通交易者起步收費僅0.16%（maker）／0.26%（taker）甚至更低，對比很多對手基本交易也要0.5%以上更有競爭力。此外，Kraken不會在報價上加設隱藏價差——市場看到的價格即實際成交價，這對注重成本的用戶特別有吸引力。Kraken亦是首批大型交易所中提供加密貨幣期貨交易（槓桿高達50倍）及部分幣對孖展交易的平台，全部可在介面內操作（但受美國法規影響當地無法使用）。平台亦設有質押服務，支援多款主流幣種（如Ethereum、Solana、Cardano等），靈活解押門檻低，利息獎賞亦屬行內不錯。

優點：安全性是Kraken最大賣點之一。交易所開業十多年來從未被黑客入侵——嚴謹的保安措施可見一斑。Kraken預設要求所有帳戶操作須通過2FA，亦可啟用硬件安全鎖（如YubiKey）登入，並定期進行獨立第三方安全審計，更是最早做Proof-of-Reserves（用戶資產一對一儲備證明）的大型交易所之一。Money.com亦標註Kraken作為*「可能是最安全的數碼資產交易平台」*，多項獨立安全評分拿下最高評等。對重視資金安全的用家而言，這可說是極吸引。

另一亮點是全球覆蓋及合規。Kraken開放予許多國家，並且在多地獲得正式牌照及監管。例如在美國，Kraken是少數在紐約（持BitLicense）及歐亞地區有合法牌照的主流交易所之一。這種重視合規的經營路線，令用戶對平台未來發展更有信心。

此外，Kraken的客戶服務亦評價甚高，提供24小時線上即時聊天支援，並普遍回應迅速，對遇到問題的用戶非常關鍵。最後，Kraken的收費及深厚流動性令大額交易十分划算，部分充值方法甚至全免手續費（如多款加密貨幣存款免費，一些地區支持免費銀行轉帳）。

缺點：過往Kraken主力問題是在用戶介面及體驗層面。對於初學者來說，平台一向非最易用。現時Kraken app已大有改進，但極新手都可能覺得Coinbase等其他交易所更易上手。使用孖展等高階功能，或轉換專業模式時，學習曲線略為陡峭。另一缺點是Kraken手機app的功能劃分有點分散——標準 Kraken app 基本功能用落幾好，不過如果你想用晒所有進階功能，可能要另外下載 Kraken Pro app（雖然將來可能會合併返一齊）。對於要喺簡單模式同進階工具之間切換嘅用戶嚟講，呢點可能有少少唔方便。

另外，雖然 Kraken 都提供唔少加密貨幣，但選擇唔係最多—有啲競爭對手平台會有更多冷門幣種。Kraken 一向比較審慎揀咩幣上市（大約有 400+ 隻），主力集中推介高質素項目。對於安全嚟講就有保障，但如果你想搵一啲細市值黑馬，或者最新嘅 meme 幣，可能會喺 Kraken 搵唔到。最後，Kraken 對於新興趨勢支援有限—例如佢無自己 NFT 市場，亦冇原生簽帳卡。佢就比較專注做返主流交易平台嘅功能，如果你有額外需要，可能要同時用埋其他 app。

專業意見：Kraken 一向俾人覺得係可靠同收費公道嘅平台，專家多次讚佢。Investopedia 經常將 Kraken 評為低費用前三名交易所之一，同時提到佢 「適合唔同程度用戶」，既有新手易用介面，亦有為進階炒家而設嘅 Kraken Pro。Money 嘅評論都稱讚 Kraken 「深受好多加密貨幣用戶愛戴同信任」，強調佢歷史長久。提供超過 400 種幣、同時 「各大安全評核都攞高分」，呢點令分析師印象深刻。總結嚟講，Kraken 好多時都會俾人推薦畀想安心、收費合理嘅用戶。雖然可能冇咁多新花款，但佢做得好嘅嘢，做到好出色。對於任何有少少基礎嘅加密貨幣用家—尤其係純新手以外人士—Kraken 都可以話係一個必備核心 app，適合穩健炒幣或投資。

5. Gemini – 安全同合法合規交易所（美國用戶特別適合）

Gemini 係一間美國註冊嘅加密貨幣交易所，以一流安全同符合法規著稱。喺 2014 年由 Winklevoss 雙胞胎（Cameron 同 Tyler）創立，Gemini 以「安全、合規」喺市場上建立獨特地位。佢嘅產品線偏向保守，但如果你重視安全、保險同用戶體驗簡單直接，Gemini 會係好多人心中嘅首選。Investopedia 更加選 Gemini 做交易所嘅 「最佳安全」，點名點讚佢安全措施同審計夠嚴。

功能：Gemini 嘅手機 app 乾淨簡潔，好啱新手入門。用戶可以買賣同儲存大約 70 幾種加密貨幣—雖然選擇上比唔上部分對手，不過都包晒大部分主流幣種同好多 DeFi 代幣。Gemini 支援常用入金方式（ACH 銀行轉帳、電匯、簽帳卡購買）。其中一個特色本來係 Gemini Earn 計劃（但因 2022 年行業問題而暫停咗），以前俾用戶借出加密貨幣賺利息。除此以外，Gemini 仲有 Gemini Pay（以 QR code 方式喺指定商戶用加密貨幣消費），以及美國發行嘅 Gemini 信用卡，可以賺加密貨幣回贈。

進階炒家可用 ActiveTrader，高速交易介面，有進階圖表、多種下單方式，仲支援競投同大單交易。ActiveTrader 可以喺 app 內設定，或者網頁版用，交易費用仲會比普通模式低好多。用 ActiveTrader 嘅 maker 費可以低至 0%–0.2%，taker 費用則 0.03%–0.4%，睇你交易量，非常有競爭力。

優點：安全係 Gemini 嘅招牌。佢以「安全至上」為宗旨：定期做 SOC 1 Type 2 同 SOC 2 Type 2 第三方安全審計，仲係最早攞到 ISO 27001 認證嘅交易所之一。預設情況下，Gemini 將大部分客戶資產放 Offline 冷錢包，熱錢包資產亦買足保險。特別一提，Gemini 為美元現金賬戶提供 FDIC 最高 $250,000 美元投保（存放於受保銀行戶口）。用戶還可以設置硬件保安鎖（如 YubiKey）同提款地址白名單，額外多重保護。Money 評論都指出 Gemini 「支援外部硬件保安鎖（如 YubiKey）進一步保障賬戶安全」，可見平台對戶口保障十分認真。

合規方面都非常強。Gemini 係紐約信託公司，由 NYDFS 監管，要符合資本儲備要求同銀行標準。佢喺美國 50 個州全面支持（唔多平台做到），仲積極配合監管當局。對於法規嚴格地區（例如紐約），Gemini 往往係唯一合法選擇，自居「合法、正規」定位。

用戶體驗方面，app 設計簡約流暢。仲有實用功能如價格提示、定期定額買入（dollar-cost averaging）、以及 Cryptopedia 教育專區俾用戶學區區塊鏈知識。客服亦有電郵同常見問題支援，表現唔錯。

缺點：Gemini 主要嘅取捨係費用同選擇少。如果淨係用預設 Gemini app 界面而唔開 ActiveTrader，手續費會幾高。一般買賣要收約 1.49% 費用，加上細交易額都會收固定費—咁細額買賣開支會比啲對手（如 Coinbase）更貴（雖然 Coinbase 細額手續費都唔平，不過 Gemini 喺唔用 ActiveTrader 嘅情況下都冇更好）。所以新手如果無切去 ActiveTrader，用慣簡單介面，分分鐘收費高。熟悉 ActiveTrader 嘅用戶就可以避過呢個問題。

另一個缺點係加密貨幣選擇唔多（大約 70 隻）。主流幣有齊，但比起 Binance 或 Coinbase 幾百隻會遜色。想搵最新或者高風險新幣，Gemini 通常無（佢只揀合法合規又安全啲嘅項目上市，細幣多數無份）。呢個審慎取態延伸到新功能：例如 Gemini 掛住觀望，新趨勢如「流動收益」(yield farming) 推得慢，而且 Earn 計劃出過事（Gemini Earn 2022 年因合作夥伴停止提款，令用戶資金被鎖，一度損左平台信譽）。呢件事證明就算係安全平台，如果涉及借貸，都會有對手風險。截至 2023 年 Gemini 仲努力緊處理 Earn 計劃提款，但聲譽受過打擊。

最後，Gemini 雖然全球化（支援 60 幾個國家），但國際 fiat 貨幣入金/出金唔及其他平台多。非美國用戶 fiat 選擇更少。

專家意見：Gemini 安全方面一直高分，「我哋首選 Gemini 做最安全交易所，因為佢有嚴格保安和第三方審計」，Investopedia 寫道，加上同時有美元 FDIC 投保及加密資產保險。有啲評論都推薦Gemini比對加密貨幣仲有疑慮、想用穩陣平台嘅新手。亦有人覺得成個體驗偏「銀行化」，合規徹底。Winklevoss 雙胞胎強調 「先問准、後行動」 理念—即係 Gemini 落力同監管合作，唔會行僥倖邊線，所以安全合法用戶特別多。

對於加密愛好者，Gemini 可能唔係百份百滿足你所有需要（幣唔算多），不過如果你想穩陣存放或交易主流資產，佢係極好「核心」app。好多用戶即使有用其他app買冷門幣，都會長期保留Gemini戶口，當成信得過地方存價值或者出fiat。總括而言，如果你重視安全、信譽，尤其係美國或者法規嚴格地區用戶—Gemini 係加密 app 工具包必備選擇。

6. eToro – 社交投資同多元資產交易平台

eToro 係一個好特別嘅平台，結合傳統投資、加密貨幣同社交媒體式體驗。2007 年成立，原本做股票同外匯起家，後來加埋加密貨幣，一推出就靠 社交投資 功能爆紅—最大特色係可以追蹤同 copy 其他成功用家嘅交易策略。截至 2025 年，eToro 全球擁有大約 4000 萬註冊用戶，遍布 75 個國家。雖然唔係專注做 crypto，不過對新手想一 app 包晒加密貨幣同其他資產，又想有社群氣氛，係個好好過渡選擇。

功能：eToro app 除咗交易加密貨幣，連股票、ETF、商品等（按地區有所不同）都可以一齊投資。加密貨幣方面，大部分地區支援大約 70–80 隻，包主流同熱門 altcoin（美國地區會再少啲）。最好玩係 CopyTrader 系統：你可以瀏覽平台上一啲成功投資者嘅profile（包表現、風險分數），將錢分配去自動抄佢哋買賣。對 crypto 新手（甚至總體投資新手）都幾吸引—learn and potentially profit by piggybacking on experienced traders’ moves. eToro also fosters discussion by letting users post feed updates about markets, like a social network, so you can see sentiments and analysis from others on various coins.

學習及有機會透過跟進有經驗交易員的操作來獲利。eToro 亦促進討論，讓用戶可以發帖分享市場動態，類似社交平台，令你能夠看到其他人對不同加密貨幣的意見與分析。

The app’s interface is very beginner-friendly. It shows your portfolio in a simple format (with both actual holdings and also *“virtual” holdings if you practice on a demo account). eToro provides a free $100K virtual portfolio for paper trading, which is a great feature for newcomers to practice trading crypto (or stocks) without real money at stake.

呢個應用程式介面非常適合新手使用。佢以簡潔方式展示你的投資組合（包括實際持倉以及*「虛擬」持倉，如果你用模擬帳戶練習的話）。eToro 提供免費 10 萬美元虛擬投資組合作為模擬交易，非常適合新用家練習買賣加密貨幣（或股票），無需動用真錢。

For each asset (e.g., Bitcoin), eToro’s app has a page with a feed of user posts, charts, research, and stats. You can execute trades in terms of amount of USD (or your currency) rather than dealing with lots or contracts, which makes it straightforward (e.g., buy $50 worth of BTC). In some regions, eToro also offers staking of certain cryptos, providing passive yield on holdings like Cardano or Tron, which are automatically earned when you hold those assets.

每個資產（例如比特幣）都有專屬頁面，有用戶貼文流、圖表、研究和統計。你可以直接以美元（或你本地貨幣）金額下單，不用理會手數或合約，操作直接簡單（例如買 50 美元等值 BTC）。部分地區 eToro 仲提供持有某些加密貨幣（如 Cardano 或 Tron）自動賺取利息的 Staking 服務，只要持有就會自動收到被動收益。

Pros: The social and educational aspect is eToro’s biggest pro. Beginners often feel more comfortable when they can see what others are doing and even interact. On eToro, you can ask questions in the feed, see comments on why someone is bullish or bearish on a coin, and gain insights from the community. This communal approach can accelerate learning. The CopyTrader feature essentially lets you have an experienced person “manage” a part of your funds, which can diversify your strategy. It’s no surprise that CoinLedger’s experts labeled eToro the “Best for Social Trading” among crypto apps.

優點：eToro 最大賣點係有社交互動同學習元素。新手見到其他人嘅交易行動、甚至可以交流，會安心好多。你可以喺動態流發問、睇其他用家對某幣睇漲或睇跌嘅理由，從而向群體吸取經驗。呢種社群式交流有助加快學習進度。而 CopyTrader 功能，基本等於有經驗者幫你管理部分資金，有助分散投資策略。CoinLedger 專家將 eToro 評為加密貨幣應用中*「最適合社交交易」*亦係預料之內。

Another advantage: eToro is a multi-asset platform. If you want a single app where you can dabble in stocks and crypto together, eToro provides that. For example, you could buy Tesla shares and Bitcoin in the same portfolio and see them side by side. This is convenient and also appeals to people who started with stock investing and want to add crypto without learning a whole new interface. It also has thematic portfolios (called “CopyPortfolios”) that bundle multiple assets – for instance, a CryptoPortfolio that auto-invests across several top coins, giving an easy diversification option.

另一個優勢：eToro 支援多種資產。如果你想用一個 app 買賣股票又投資加密貨幣，eToro 完全 cover 得到。例如你可以喺同一組合內同時持有 Tesla 股票同比特幣，簡單一目了然。對本身有投資股票又想加碼加密貨幣的用戶，好容易上手唔洗重新學介面。仲有主題式組合（CopyPortfolios），自動幫你分散多隻資產，例如 CryptoPortfolio 幫你自動分佈多隻熱門幣種，好適合懶人分散投資。

In terms of fees, eToro offers commission-free stock trading in many countries and zero direct fees on crypto trades, instead using a spread. The crypto spread is around 1%, which is fairly transparent compared to some platforms that have hidden fees. There are no monthly account fees. Additionally, eToro has a solid track record in regulation – it’s regulated in multiple jurisdictions (FCA in the UK, CySEC in Europe, FinCEN in the US as a Money Services Business, etc.), which provides a level of trust.

手續費方面，eToro 喺好多國家股票交易免佣，加密貨幣交易亦無直接手續費，而係收取大約 1% 價差，較其他隱蔽收費的平台透明。賬戶亦無月費。此外，eToro 喺多個司法區受監管（英國 FCA、歐洲 CySEC、美國 FinCEN 等），信譽方面有保障。

Cons: One major con for crypto enthusiasts: you don’t fully control your coins on eToro unless you transfer them out. When you buy crypto on eToro, it’s somewhat like an IOU – you have exposure to the price, but you don’t initially get a wallet address or the ability to withdraw those assets freely to your own wallet (especially in the earlier days). In recent years, eToro introduced the eToro Money crypto wallet, which does allow you to transfer certain coins out to an external wallet. However, not all coins are transferable, and the process can be a bit clunky (also, once transferred out, they cannot be transferred back into the trading account). So if your goal is to actually use the crypto (e.g., for DeFi or spending), eToro might feel restrictive. It’s designed more for trading and investing, not for interacting with decentralized apps or making frequent external transactions.

缺點：對加密貨幣愛好者嚟講，其中一個大問題係未能完全控制自己持有的幣，除非你將佢哋轉出。喺 eToro 買幣其實有啲似 IOU——你有價格暴露，但一開始無專屬錢包位址，無得隨時轉去私人錢包（特別係早幾年）。近年 eToro 推出 eToro Money 加密錢包，某啲幣可以轉去外部錢包，但唔係所有幣都得，而且過程唔算流暢（同埋一旦轉出就無法轉返入交易帳戶）。如果你目的是用幣去玩 DeFi 或外部消費，eToro 就會顯得有限制。此平台主要針對買賣投資用途，而非同去中心化應用互動或經常外部轉帳。

Another con is limited crypto selection compared to pure crypto exchanges. With around 70 or so coins, eToro might not have the smaller altcoins or new launches that dedicated crypto exchanges would. Enthusiasts looking for the next micro-cap gem will still need other platforms. Also, geographic limitations: eToro’s crypto offering in the U.S. is relatively limited (around 15–20 coins due to regulatory reasons, and CopyTrading is not available to U.S. users). Outside the U.S., the coin selection is better, but still not as vast as Binance or others.

另一缺點，eToro 已上架的加密幣種比起專業加密交易所比較少，大約只得 70 隻左右。好多細幣或新 launch 的項目未必搵到。想搵潛力新幣的人還要用其他平台。另外地區限制：eToro 美國用戶現時只可交易約 15–20 種幣，同時美國唔支持 CopyTrading。美國以外選擇較多，但都唔夠 Binance 等專門平台多元。

Finally, eToro charges a withdrawal fee and currency conversion fees. There’s a $5 withdrawal fee for fiat and if you deposit or withdraw in a currency different from USD, there’s a conversion fee (since eToro operates in USD as base). For long-term investors, another consideration: you cannot set up recurring automatic purchases on eToro’s platform (as of now), whereas some crypto apps allow recurring buys.

最後，eToro 提現（法幣）收 $5 美元手續費，而且入錢提錢如果唔用美元仲有兌換費（因為 eToro 只以美元為本位）。長線投資者要留意：eToro 暫時唔支援自動定期買入，而有啲加密 app 已有反覆購買自動化功能。

Expert Opinion: eToro is often recommended for beginners who appreciate a social element or who are transitioning from stock investing to crypto. “eToro maintains a larger customer base with over 30 million users… Robinhood's superior [metrics] aside,” noted Forbes in comparing eToro and Robinhood, highlighting that eToro actually has a huge user base and more international presence. The platform’s success with 40 million users shows that many find value in its approach. Reviewers frequently praise the CopyTrader feature, which effectively lets newcomers follow “crypto influencers” in a regulated setting. CoinLedger’s 2025 expert roundup listed eToro among the best, specifically citing it as the top pick for social trading. They emphasize how eToro’s mobile-friendly app lets you manage an entire portfolio in one place and learn from others as you go.

專家意見：eToro 經常推薦比重視社交元素或者由炒股過渡到加密幣的新手。Forbes 比較 eToro 同 Robinhood 時指出：*「eToro 用戶總數超過 3 千萬……Robinhood 的部分數據較好，但 eToro 基本覆蓋全球，國際化明顯勝出。」*平台現時用戶已突破 4 千萬，證明好多人認同其模式。評論家經常讚 CopyTrader 功能，等同讓新人能夠「合規下跟單」加密 KOL。CoinLedger 2025 專家評比亦揀選 eToro 為最佳之一，特別推薦比鍾意社交交易的用戶。佢哋強調 eToro 流動 app 方便你一 App 管理全組合，又可以邊用邊學。

In summary, eToro is a must-have app for those who want a blend of social interaction and investing. If you enjoy the idea of seeing what others are trading, discussing strategies, and copying portfolios – and you don’t need access to every obscure crypto out there – eToro can be both fun and educational. It’s a great stepping stone into crypto for stock investors, and conversely a way for crypto folks to try stocks, all within a single user-friendly app. Just remember that for full control of your crypto assets or access to the widest coin selection, you might complement eToro with other apps on this list.

總結：eToro 適合想要兼顧社交互動同投資的人，絕對是必備 app。如果你鍾意睇人點 Trade、交流策略、甚至直接 Copy Portfolio，又唔介意唔係每隻冷門幣都有，eToro 絕對有趣又有學習價值。係由股票投資進身加密貨幣的最佳跳板，同時都俾加密用戶試下炒股，一個 app 搞掂晒。只要記得，要全面控制資產或者追齊最多種類幣，最好結合名單內其他 app 一齊用。

7. Uniswap – Decentralized Exchange (DeFi Trading on the Go)

Uniswap isn’t a traditional app like others on this list – it’s the leading decentralized exchange (DEX) protocol, which allows users to swap crypto tokens without any central intermediary. However, as DeFi (decentralized finance) has grown, Uniswap has become a must-know tool for crypto enthusiasts, especially those venturing beyond the most mainstream coins. In 2023, the Uniswap team launched an official Uniswap mobile wallet, making it much easier to access this powerful DEX via a user-friendly app. If you’re exploring the world of altcoins, Ethereum tokens, or just want to experience peer-to-peer trading, Uniswap is an essential platform – now conveniently available on mobile.

Uniswap 並非傳統的應用程式，而係目前領先的去中心化交易所（DEX）協議，讓用戶可無需中介直接兌換加密貨幣。隨住 DeFi（去中心化金融）興起，Uniswap 已經成為加密愛好者必須識用的工具，尤其是有心探索主流以外幣種嘅人。2023 年，Uniswap 團隊正式推出官方流動錢包，大大方便用戶透過易用 App 隨時用盡這套強大 DEX。如果你想發掘 altcoin、市場上各種以太坊代幣、又或者想體驗點對點交易，Uniswap 絕對係必用平台——而家仲可以隨時隨地用手機玩。

Features: Uniswap operates primarily on the Ethereum blockchain (as well as layer-2 networks like Polygon, Arbitrum, and Optimism, plus a version on BNB Chain). It uses an automated market maker (AMM) model instead of order books. This means you can swap any ERC-20 token for any other, provided there’s enough liquidity in the pools, all directly from your wallet. The Uniswap mobile wallet app, which rolled out in 2023, gives users a sleek interface to do exactly that: swap tokens on various networks with ease. The app supports Ethereum mainnet and popular Layer 2 networks, automatically switching between them as needed.

功能方面：Uniswap 主要喺以太坊區塊鏈運作（同時支持冇 Polygon、Arbitrum、Optimism 等 Layer 2 網絡，以及 BNB Chain 版本）。它採用自動化做市商（AMM）模式，無需傳統掛單簿。用戶可以由自己錢包，隨時將任意 ERC-20 代幣與其他代幣自由兌換（前提係流動池夠錢）。官方流動錢包可在多條網絡之間無縫切換，支援以太坊主網同多個熱門 Layer 2。

Through the Uniswap wallet, you can buy crypto with fiat as well – the app integrates a fiat on-ramp allowing users to purchase crypto using a debit card or bank (the fee for this service is about 2.55%). This is notable because it bridges the gap between traditional money and DeFi; a newcomer could download Uniswap’s wallet, buy ETH with a card, and start swapping on DeFi, all in one app.

透過 Uniswap 錢包，你亦可以用法定貨幣買幣——app 直接整合入金渠道，用家可用扣賬卡或者銀行戶口過數買入加密貨幣（扣約 2.55% 手續費）。這項功能好重要，因為大大縮短現金與 DeFi 世界之間嘅門檻。新手可以一 App 下載好錢包，用卡買 ETH，即刻開始在 DeFi 兌換。

The wallet also provides features like viewing real-time token prices, price charts, and even NFT details for certain collections. It has a section to browse and favorite tokens by market cap or other criteria, helping users discover assets. Additionally, the wallet supports WalletConnect, meaning you can use it to interface with other DeFi dApps beyond Uniswap.

錢包同時支援睇實時幣價、價格圖表，部分 NFT 收藏品都可以睇埋詳情。你可以按市值或其他篩選條件，瀏覽和收藏心儀代幣，更易發掘新資產。此外，錢包亦支援 WalletConnect，即可連接到 Uniswap 以外其他 DeFi 應用。

One key aspect: you remain in control of your funds. The Uniswap wallet is non-custodial – you manage your own private keys (with options for seed phrase or integrating hardware wallets). Trades occur via smart contracts directly from your wallet, so there’s no centralized exchange holding your assets.

重點：*你自己完全掌控資金。*Uniswap 錢包屬於去中心化錢包，用戶全權管理自己私鑰（可以抄寫助記詞，或連結硬件錢包）。所有交易經智能合約直接執行，無中央交易所代管你嘅資產。

Pros: True decentralization and huge range of tokens. The biggest advantage of Uniswap is access to nearly any token in the Ethereum ecosystem. If a project launches a new token, it’s often available on Uniswap from day one (as long as someone provides liquidity). You’re not limited to the listings a centralized exchange decides on – you can trade thousands of tokens, including many that never make it to major exchanges. This makes Uniswap indispensable for altcoin hunters, DeFi participants, or anyone looking to invest early in emerging projects.

優點：真正去中心化，幣種選擇極多。Uniswap 最大優勢係可以交易幾乎所有以太坊生態（ERC-20）代幣。好多項目新幣一出即上 Uniswap（只要有人提供流動性）。你唔受限於中心化交易所上架清單，可以隨時交易數以千計代幣，連好多主流交易所都冇的新興幣都有得換。Uniswap 對「搵小眾幣」「挖掘新項目」或者早期參與者來說，係不可或缺嘅平台。

Another pro is that Uniswap works without KYC or account creation – all you need is a wallet. This can be valuable for privacy and for users in regions where exchanges are restricted. The mobile app has made this process much more user-friendly, effectively bringing the power of a web3 wallet and DEX to your phone. Cointelegraph noted that the Uniswap mobile wallet’s goal was to “promote wider DeFi adoption and support on-the-go trading”. Early reviews highlighted how the app “makes swapping dead simple” for mobile users.

另一賣點，Uniswap 無需開戶或做 KYC，只需一個錢包就用得，對注重私隱或受政策限制國家的用戶特別有價值。流動 app 令整個過程易用極多，將 web3 錢包及去中心化交易所帶到你手機。Cointelegraph 曾指出 Uniswap 流動錢包目標係*「推廣 DeFi 普及，同同步交易。」*亦有早期評論認為，app 「令手機轉幣簡單到極致」。

Security-wise, using a DEX means you sidestep the risk of exchange hacks or failures – there’s no central...

（已到翻譯結尾，如需餘下內容，請補充指示或提供。）entity that could run off with funds. As long as you safeguard your own wallet, your risk is more about smart contract security and market volatility, not corporate bankruptcy or theft (an important consideration after events like some centralized exchanges collapsing).

只要你妥善保管自己嘅錢包，你面對嘅風險主要都係智能合約安全同市場波動，而唔係公司破產或者資金被盜（喺近期有啲中心化交易所倒閉之後，呢點係非常重要嘅考慮因素）。

Finally, Uniswap has deep liquidity for many trading pairs. It routinely handles trading volumes on par with or even exceeding some top centralized exchanges. In fact, there have been periods when Uniswap’s trading volume for certain days rivaled that of Coinbase. For major tokens, slippage (price impact) on Uniswap can be very low due to the large pools.

最後，Uniswap 有好多交易對都擁有好深厚嘅流動性。佢經常處理嘅成交量可以媲美或者甚至超過某啲頂級中心化交易所。事實上，曾經有一段時間，Uniswap 喺某啲日子嘅交易量甚至追到 Coinbase。對於主流代幣嚟講，Uniswap 因為池大，滑點（價格影響）可以好低。

Cons: Network fees and slippage on small tokens are the primary cons. Because Uniswap runs on Ethereum, trading on the mainnet can get expensive when network gas fees are high. Each swap is an Ethereum transaction that could cost anywhere from a few dollars to tens of dollars in gas, depending on network congestion. This is mitigated by layer-2 support – swapping on Polygon or Arbitrum via the Uniswap wallet incurs much lower fees – but users must sometimes bridge assets to those networks first. Still, newcomers might find the concept of gas fees confusing or off-putting if they’re used to fee schedules on regular apps.

缺點：最大嘅缺點就係網絡手續費同埋細代幣嘅滑點。因為 Uniswap 係建基於以太坊主網，喺網絡擁塞或者 gas 費貴嘅時候，每次 swap 其實就等於一個以太坊交易，gas 費可能由幾蚊美金去到幾十蚊不等。雖然家下已經有 Layer-2 支援 —— 例如你用 Uniswap 錢包直接喺 Polygon 或 Arbitrum 上 swap，費用低得多 —— 不過你有時都要事先將資產 bridge 去呢啲網絡。對新手嚟講，如果慣咗一般 app 果啲簡單收費模式，「gas 費」呢個概念可能會好難理解或者令人卻步。

There’s also the risk of choosing the wrong token. Uniswap’s openness is a double-edged sword: anyone can create a token with any name, so there are scam tokens or imposters. For example, a search for a popular new coin might show multiple similarly named tokens; if you accidentally trade for a fake one, you could lose money. The Uniswap interface tries to warn or hide tokens that aren’t verified or widely traded, but the risk remains. It requires a bit more knowledge and vigilance from users – a far cry from the handholding on a Coinbase-type exchange.

仲有一個風險就係選錯代幣。Uniswap 嘅開放性有好有唔好 —— 任何人都可以發行一個新代幣、改咩名都得，所以好多騙局或山寨幣。如果你 search 一隻當紅新幣，通常會見到幾個極似名嘅 token，如果你唔小心揀錯左山寨版，分分鐘會蝕錢。Uniswap 介面會試下警告你，或者隱藏啲未經驗證或者交易量唔大嘅代幣，但都唔可以完全杜絕風險。用戶要多啲知識同小心，完全唔同於用 Coinbase 果啲託管交易所咁「大手拉細手」。

Another con: no order types like limit orders (at least not natively – though third-party extensions offer that). Swaps are executed at the prevailing market price (with a tolerance setting). This means you can’t, for instance, set a specific price to buy a dip automatically within the Uniswap app itself. It’s more manual.

另一個缺點係佢冇限價單或者市價單啲進階委託（至少 native 未有，雖然有第三方外掛支援）。所有 swap 都係根據最新市價直接成交（系統會跟你設嘅容忍滑點）。即係你唔可以好似用交易所咁，設定一個價位自動撈底買入，要自己人手搞掂。

For the mobile app specifically, a limitation is that initially it had some availability restrictions (Apple’s App Store approvals limited it to certain countries on launch). Over time, this has been expanding, and an Android version entered beta later in 2023. But it’s something to check – whether the app is officially available in your region’s app store. (Of course, even without the app, one can use Uniswap via a browser wallet like MetaMask, but the app simplifies it greatly.)

至於手機版 app，一開始都受過地區限制（Apple App Store 審批，令初期只可以喺部分地區下載）。不過依家慢慢多咗地區可以用，Android 版喺 2023 年尾都開始 beta 了。不過大家要 check 下自己區域個 app store 係咪有得正式下載。（其實就算冇 app，都可以用瀏覽器錢包，例如 MetaMask 去用 Uniswap，不過 app 簡單好多。）

Expert Opinion: Uniswap is frequently lauded as one of the most important innovations in crypto trading. It essentially spearheaded the DeFi trading boom. By 2025, analysts view Uniswap as a core piece of crypto infrastructure. Money.com, in its exchange review, gave Uniswap the title of “Best Decentralized Exchange”, acknowledging that serious crypto users often find value in the DEX model alongside their centralized accounts. The introduction of the mobile wallet was widely seen as a positive step to “boost DeFi adoption” by Binance Academy and other commentators. By making the experience more accessible, Uniswap’s team addressed one of the big barriers to entry for DeFi.

專家意見：Uniswap 成日都俾人讚係加密貨幣交易界其中一個最大創新。佢基本上帶起晒成個 DeFi 交易熱潮。去到 2025，分析師都認為 Uniswap 已經成為加密基建嘅核心之一。Money.com 喺交易所評測都賦予 Uniswap 「最佳去中心化交易所」稱號，認同好多進階用戶都會同時重視 DEX 同 CEX。引入手機錢包俾 Binance Academy 等評論員視為推動 DeFi 普及化的重要一步。Uniswap 團隊正正係憑住提升易用性，解決咗 DeFi 入門最大障礙之一。

For crypto enthusiasts, especially those interested in DeFi tokens, yield farming, or early-stage projects, Uniswap is a must-have tool. It embodies the self-sovereign ethos of crypto – you trade directly from your wallet, with no middleman and no permission needed. As long as you exercise due diligence (checking token contract addresses, managing gas settings, etc.), Uniswap opens the door to the full spectrum of crypto assets. Many experts recommend that anyone serious about exploring crypto beyond Bitcoin and Ethereum should get familiar with how Uniswap works, and the new mobile app makes that easier than ever. In summary, if “decentralization” is what draws you to crypto, then trading on Uniswap is an experience you’ll want – it’s like having a global, 24/7, non-custodial exchange in your pocket.

對加密愛好者（特別係鍾意 DeFi 代幣、流動性挖礦或新項目嘅人）而言，Uniswap 絕對係必備工具。佢完全體現咗加密自主精神 —— 自己嘅錢包自己出糧，無中介、唔使審批。只要你自己做足功課（核實 token 合約位址、設定 gas、等），Uniswap 等於幫你打開成個加密資產世界。好多專家都建議，如果你真係諗住由比特幣、以太坊行出去玩 crypto，識用 Uniswap 一定有幫助，而新版手機 app 又進一步簡化。總結，如果你著重「去中心化」，Uniswap 嘅體驗你一定要試 —— 等於隨時將一個全球24小時、不託管嘅交易所放喺褲袋。

8. Trust Wallet – Versatile Self-Custody Wallet (Web3 Ready)

Every crypto enthusiast needs a reliable non-custodial wallet – one where you control your private keys. Trust Wallet is one of the most popular choices, especially on mobile, for holding a variety of cryptocurrencies securely while also enabling access to the broader Web3 world (like decentralized apps and NFTs). Acquired by Binance in 2018 but operating independently, Trust Wallet has grown explosively. In March 2025, the Trust Wallet team announced the app surpassed 200 million downloads globally, making it “the most widely used self-custody Web3 mobile wallet” in the world. It’s free, feature-rich, and supports an extremely wide range of assets.

每一個加密迷都需要一個可靠、非託管嘅錢包——即係你自己攞住私鑰。Trust Wallet 就係其中一個最多人揀嘅非託管錢包，特別喺手機上，唔單止可以安全儲存各種加密資產，仲可以直接參與到更大嘅 Web3 世界（例如去中心化應用 DApp 同 NFT）。Trust Wallet 喺 2018 年俾幣安收購，但實際上係獨立運作，呢幾年增長好誇張。到 2025 年 3 月，Trust Wallet 官方宣佈全球下載次數突破 2 億，成為全球*「最多人用嘅自我託管 Web3 手機錢包」*。免費、功能齊、支援資產又超多。

Features: Trust Wallet is often described as an “all-in-one” crypto wallet. It supports over 100 blockchains and 10+ million different crypto assets (including tokens on those chains). This means you can hold Bitcoin, Ethereum, BNB Chain tokens, Solana, Cardano, Polkadot – you name it – all in one app. Upon creating a Trust Wallet, you get a 12-word recovery phrase that controls all your funds (so guarding that is paramount).

功能：Trust Wallet 成日俾人形容做「一站式」加密錢包。支援超過 100 條區塊鏈，合共 1,000 萬種資產（包括呢啲鏈上嘅代幣）。即係你鍾意乜都可以擺埋一齊——Bitcoin、Ethereum、BNB Chain、Solana、Cardano、Polkadot ，一個 app 攪掂哂。開設 Trust Wallet 嘅時候，會俾你一組12字復原種子語句，攞住呢組就能控制所有資產（所以一定要好好保管）。

The app has built-in features like an in-app DApp browser (on Android; on iOS this is limited due to Apple’s policies, but you can still connect via WalletConnect). This lets you directly use DeFi platforms, NFT marketplaces, and other decentralized apps through Trust Wallet without needing a separate browser extension. For example, you could navigate to Uniswap, OpenSea, PancakeSwap, etc., within Trust Wallet and swap or trade directly from your wallet.

App 入面有啲內置功能，例如 DApp 瀏覽器（Android 先有完整功能；iOS 因為 Apple 政策有限制，不過都可以用 WalletConnect 接駁）。咁你用 Trust Wallet 可以直接用晒啲 DeFi 平台、NFT 市集同其他 DApp，唔使再裝另一個 browser 擴展。例如你可以直接喺 Trust Wallet 入面瀏覽、連接 Uniswap、OpenSea、PancakeSwap 等平台，直接用自己錢包即時 swap 或交易。

Trust Wallet also supports staking for certain coins (allowing you to earn rewards by helping secure networks like BNB Chain, Tron, etc.) and has a section for collectibles where you can view your NFTs held on Ethereum or BNB Chain. There’s an integrated token swap feature for some chains, and also an in-app fiat on-ramp where you can buy crypto with a credit card or other payment methods via third-party providers.

Trust Wallet 仲支援部分幣種嘅質押（staking），例如 BNB Chain、Tron，等你幫網絡驗證同時賺獎勵。App 入面仲有 收藏品 收藏頁，可以睇曬儲緊喺 Ethereum 或 BNB Chain 嘅 NFT。仲有集成咗智能兌幣（swap）功能（主要針對部分主流鏈），同時內置法幣購買通道，可以用信用卡或者其他收款方式，經第三方即時買加密貨幣。

Another aspect: Trust Wallet is non-custodial but has some “convenience” features like optional cloud backup of your encrypted keys (for safety, though some purists may avoid that). It also allows adding custom tokens easily, meaning if you participate in a new token sale or use a niche project, you can manually import the token contract and manage those tokens in Trust Wallet.

另一＋點：Trust Wallet 雖然係非託管，但都加入咗一啲「方便」功能——例如選擇性上雲備份加密私鑰（增強安全，雖然有啲加密純粹派未必肯用）。用戶亦可以輕鬆自定添加新 token，只要參加新幣發售或者玩 niche 項目，就可以自己手動輸入合約，跟住喺 Trust Wallet 管理。

Pros: The biggest pro is control and versatility. With Trust Wallet, you hold the keys – no exchange or third party can freeze your funds. This aligns with the crypto principle “not your keys, not your coins.” Given the number of exchange failures and hacks historically, having a self-custody solution is crucial for enthusiasts, especially for long-term holding. Trust Wallet makes self-custody user-friendly, which is likely why it’s attracted hundreds of millions of downloads.

優點：最大優點係主導權同彈性。你用 Trust Wallet，就自己攞住私鑰——冇交易所、冇第三方可以凍結你資產。呢樣好符合 crypto 嘅「自己鎖匙自己幣」原則。睇亞洲外國咁多交易所暴雷或者被 hack，對長期持有或者進階用戶嚟講，用非託管錢包真係好重要。Trust Wallet 好 user-friendly，估計都係因此先有咁多人用。

Secondly, wide asset support. Trust Wallet is one wallet where you can manage multi-chain assets seamlessly. You don’t need a separate wallet app for each blockchain; it’s incredibly convenient to have everything from your Ethereum tokens to your Cosmos coins in one place. This extends to NFTs as well – Trust Wallet is often recommended for storing NFTs on Ethereum or BNB Chain since you can see the images and details right inside the app.

第二，支援資產種類極廣。用 Trust Wallet，你可以無縫管理多鏈資產，冇必要每條鏈開一個新錢包 app。將你嘅 ETH token 到 Cosmos 幣，一個 app 一次過搞掂。NFT 都一樣——唔少人都會推介用 Trust Wallet 儲存 ETH／BNB NFT，因為可以直接喺 app 內睇圖、睇資料。

Web3 readiness is another huge plus. Trust Wallet’s built-in DApp browser (and WalletConnect support) essentially turns your phone into a Web3 browser. You can interact with DeFi protocols, lend or borrow on money markets, swap on DEXes, play blockchain games, etc., all directly from your wallet. It lowers the barrier to entry for mobile users to explore the decentralized web. The CEO of Trust Wallet, Eowyn Chen, has described their vision of the wallet as evolving into a “personal companion that guides users through their on-chain journey,” simplifying the complexity of Web3 for everyday users. This focus on user-friendliness is evident in the app’s straightforward design.

Web3 準備好亦係一大賣點。Trust Wallet 內置 DApp 瀏覽器（加埋 WalletConnect）即係直接將你手機變做 Web3 browser。你可以直接用錢包同 DeFi 協議互動、借貸、用 DEX swap 、玩區塊鏈遊戲，一個 app 包晒所有功能。對手機黨嚟講，大大降低咗入門門檻。Trust Wallet CEO 陳怡蔚都形容佢地願景係要做 「引領用戶行鏈上路嘅隨身夥伴」，用最簡單方式幫大眾用戶闖關 Web3 。App 界面設計都望住易用走。

Security in Trust Wallet is also generally strong – since it’s non-custodial, the security largely depends on the user (choosing a strong password, not leaking the recovery phrase). The app itself supports biometric locks, and the team has been integrating features like multi-factor authentication and even experimenting with account abstraction features (seedless recovery) to enhance safety without sacrificing self-custody. Notably, Trust Wallet partnered with security firms and introduced measures like Trust Wallet Token (TWT) incentives for reporting bugs, as well as insurance on assets within the app using services like Fireblocks for institutional-grade security.

Trust Wallet 嘅保安都非常高——非託管架構下主要唔靠別人，全靠自己（密碼要用好啲，生字句唔可以洩漏）。App 本身支援生物驗證鎖，團隊仲陸續加入多重驗證（MFA）同帳戶抽象化（無種子復原）等進階特點，等大家安安全全又唔犧牲自主。值得一提，Trust Wallet 有和安全公司合作——比如用 Trust Wallet Token (TWT) 鼓勵報 bug，或者用 Fireblocks 咁嘅專業服務，俾 app 內資產投保，提升機構級安全。

To accommodate growth, Trust Wallet has also integrated AI features (planned) to help users avoid scams – for instance, warning if a DApp you’re visiting is suspicious. All these efforts are why Money.com’s wallet review gave Trust Wallet the title of “Best Mobile Crypto Wallet,” praising its extensive support for NFTs/Web3 and high security scores.

Trust Wallet 為應對爆炸性需求，仲計劃加 AI 功能，主動防詐騙——例如自動識別可疑 DApp 出警告。各種努力，令人地道 Money.com 都將「最佳手機加密錢包」獎項頒俾 Trust Wallet，讚揚其 NFT/Web3 支援勁勁哋，安全分數亦高。

Cons: Using a self-custody wallet like Trust Wallet requires a bit more responsibility and knowledge from the user. If you lose your recovery phrase and haven’t backed it up securely, you lose access to your funds – there’s no “forgot password” recovery. That’s not a flaw of Trust Wallet per se (it’s inherent to all non-custodial wallets), but new users must be aware. By contrast, an exchange like Coinbase can reset your password if you lose it – with Trust Wallet, the security is all in your hands.

缺點：用 Trust Wallet 呢啲非託管錢包，會要求用戶更有責任感同知識。你如果唔見咗復原密語、又冇備份好，所有資產都會即時永遠無法拿回——冇得「唔記得密碼」搵番轉頭。其實唔係 Trust Wallet 嘅 bug，係所有自我託管錢包都咁。新手用前一定要知。相反交易所如 Coinbase，唔見密碼只要 reset 就可以，但 Trust Wallet 嘅保障權完全喺你手度。

Another con is that Trust Wallet, by covering so many chains, might not implement every single advanced feature of those chains. It focuses on the main functions (send/receive, staking for

另一個缺點係 Trust Wallet 因為要支援咁多鏈，未必做到每條鏈所有專屬進階功能。佢主力做返最基本嗰啲（發送、接收、質押等），未必 cover 晒細節功能。some, etc.). If you are a power user of a specific blockchain, sometimes a chain-specific wallet (like a Solana-only wallet or a Cardano-only wallet) might offer more nuanced functionality (like governance voting or complex staking options). Trust Wallet aims for breadth rather than niche depth.

某啲區塊鏈「忠粉」用戶，可能會揀返某啲專屬錢包（例如 Solana 專用／Cardano 專用），因為佢哋有機會支援更深入嘅功能，例如鏈上治理投票、進階 Staking 等。不過，Trust Wallet 係行大眾化路線，力求支援最廣泛，而唔係做某條鏈嘅極端深度。

Also, customer support for Trust Wallet is community-based. There’s no live support that can help recover funds (since even they can’t access your wallet). Users have to rely on guides and forums if they encounter issues. Scammers sometimes prey on this by pretending to be support – so one has to be careful and self-reliant.

另外，Trust Wallet 嘅客服係以社群自助為主。冇真人即時支援，因為連官方都入唔到你個錢包同攞唔返資金。有咩問題要靠官方教學或者網上論壇。有啲騙徒會扮做客服招搵手，所以一定要小心、自保，唔好亂信「客服」。

Another potential drawback: as an app associated with Binance, some have wondered about data privacy or whether the app shares anonymized usage data with the parent company. Trust Wallet asserts it doesn’t share personal data (and you don’t provide any KYC to use it). But extremely privacy-conscious users sometimes prefer open-source wallets. (Trust Wallet’s core is open-source, though some recent components are closed source for security reasons according to the team.)

又一個潛在缺點：身為同 Binance 有關連嘅 App，有啲人會擔心數據私隱，或者 App 會將匿名數據share返畀集團。Trust Wallet 聲稱唔會交換個人資料（因為用家用都唔使做 KYC）。但對私隱極高要求嘅人，可能會prefer用全開源錢包。（Trust Wallet 嘅核心係開源，但據團隊講，近年部份新功能因為安全理由就係閉源。）

Finally, while Trust Wallet tries to make Web3 safe, it cannot protect users from all scams or hacks on decentralized platforms. If you connect your Trust Wallet to a malicious DApp and approve a bad transaction, you could still lose funds. So users need to practice caution (like not blindly signing transactions).

最後，Trust Wallet 雖然希望令 Web3 更加安全，但佢保護唔到你避開所有去中心化平台上啲騙局或黑客攻擊。如果你連接 Trust Wallet 去惡意 DApp，再批咗壞交易，你都可以賠晒啲資產。所以用家自己要夠小心，唔好亂咁簽名／批交易。

Expert Opinion: Trust Wallet’s meteoric growth to 200M+ downloads speaks for itself. Cointelegraph’s interview with the CEO highlighted how they focus on simplifying the crypto experience and making it as easy as Web2 apps. The CEO also noted, “Trust Wallet recently surpassed 200 million downloads… wen 1 billion?” in a celebratory tweet. This scale dwarfs most other mobile wallets. Reviewers often mention that Trust Wallet’s support for over 60 blockchains is “unmatched,” and Money.com specifically noted it “features the highest number of supported assets and chains of any wallet on our list”.

專家觀點：Trust Wallet 幾年間爆炸式增長到 2 億+ 下載，已經反映咗地位。Cointelegraph 訪問 CEO 時指 Trust Wallet 完全專注於簡化加密體驗，令 Web3 用起上嚟同用一般 Web2 App 一樣易。CEO 都喺 Twitter 慶祝時講：「Trust Wallet 甫啱過 2 億下載…下一個目標 10 億？」規模完全拋離一般流動加密錢包。好多人評論都話 Trust Wallet 支援 60 條＋鏈路，支援度「無敵手」。Money.com 更指出，呢個 wallet「係佢哋名單之中支持資產同鏈路最多嘅一個」。

With endorsements like that and backing by a major industry player (Binance), Trust Wallet has become the default recommendation for a multi-crypto mobile wallet. It’s equally suitable for a beginner (who might just hold a few coins and want an easy, secure wallet) and for an advanced DeFi user (who uses one wallet to juggle yield farming on multiple chains). The fact that you can do so much in one app – store coins, interact with DApps, view NFTs – makes it extremely convenient. As one review put it, Trust Wallet is “an excellent generalist wallet for mobile users, boasting extensive support for NFTs and other Web3 projects”, while still scoring high on security. For any crypto enthusiast who values self-custody and versatility, Trust Wallet is a must-have.

有咁多權威背書，同埋有 Binance 呢個大老闆加持，Trust Wallet 係多鏈流動錢包裡面幾乎係必推之選。不論你係新手（只係收幾個幣、想搵個簡單安全嘅錢包）定係 DeFi 高手（用一個錢包搞多鏈挖礦），佢都啱用。一 App 已經儲幣、玩 DApp、睇 NFT，方便到爆。有評論話 Trust Wallet「一個極全面嘅流動錢包，NFT 同 Web3 支援又勁，安全分又高」，真心推薦俾重視自我保管、要夠彈性嘅加密用家，差唔多係必備啦。

9. MetaMask – Gateway to Ethereum and the Decentralized Web

MetaMask—通向以太坊及去中心化網絡嘅大門

MetaMask is a household name in crypto, synonymous with accessing Ethereum-based decentralized applications. It started as a browser extension wallet but has also offered a mobile app for several years now, allowing users to manage their Ethereum (and other EVM-compatible chain) assets and use DApps on the go. With over 30 million monthly active users as of early 2024, MetaMask stands as one of the most widely used crypto wallets in the world. For anyone delving into DeFi, NFTs, or token trading on Ethereum and its layer-2 networks, MetaMask is an indispensable tool.

MetaMask 呢個名，在加密圈一講就知，代表「以太坊 DApp 嘅入口」。佢最早只係瀏覽器擴充錢包，依家都有流動 App，可以隨時隨地管理以太坊資產（同支援其他 EVM 鏈），用手機都得。到 2024 年初，MetaMask 月活超過三千萬，已經係全球最多人用嘅加密錢包之一。如果你要玩 DeFi、NFT、或者以太坊/L2 上啲代幣交易，MetaMask 幾乎係不可或缺嘅必備工具。

Features: The MetaMask mobile app functions similarly to the browser extension. It is a non-custodial wallet where you control a set of Ethereum addresses (derived from a secret recovery phrase). It supports Ethereum mainnet by default and can be configured to work with any Ethereum Virtual Machine (EVM) compatible network – such as Binance Smart Chain (BNB Chain), Polygon, Avalanche C-Chain, Arbitrum, Optimism, Fantom, etc. This means you can seamlessly switch between networks in-app to view balances and interact with DApps on those networks.

功能方面：MetaMask 手機版同瀏覽器版操作幾乎一樣，係一個自我保管錢包，用家自己管理以太坊地址（用助記詞生成）。預設係以太坊主網，你都可以自訂支援唔同 EVM 鏈，例如 BNB Chain、Polygon、Avalanche C-Chain、Arbitrum、Optimism、Fantom 等等，可以隨時 app 入面任意切換，用同一錢包玩唔同鏈、睇資產、用 DApp，切換極快。

MetaMask includes an integrated DApp browser (on mobile) so you can visit DeFi platforms, NFT marketplaces, blockchain games, and more. When you connect within MetaMask, you can confirm transactions directly in the wallet. It also supports WalletConnect to link the wallet with external apps or browsers.

手機版設有內置 DApp 瀏覽器，直接遊覽 DeFi、NFT 市場、區塊鏈遊戲等網站，所有交易與連接都係 App 內確認，保證用戶主控。亦支援 WalletConnect，可以用嚟同外部 App 或網頁連接，彈性大。

For token management, MetaMask automatically detects standard tokens you receive, or you can manually add custom tokens. The app shows token balances and transaction history. It also has a built-in swap feature – MetaMask Swap – which aggregates multiple DEXs to give you a quote for exchanging one token for another. This is convenient for quick trades without leaving the app (though there’s a service fee around 0.875% on swaps for the convenience).

至於代幣管理，MetaMask 自動偵測收到嘅常見代幣，如果有冷門項目都可以手動加。界面會清晰顯示資產與交易記錄。仲有內置 Swap 功能，可比多個 DEX 報價，即時換幣唔使離開 App，方便快手 trade（不過交換會收取大約 0.875% 手續費）。

MetaMask mobile supports QR code scanning for easy interaction and has biometric unlock (so you can use fingerprint/FaceID to secure the app). One interesting aspect: MetaMask can integrate with hardware wallets (like Ledger or Trezor) on its extension; on mobile, this support is more limited but evolving (as of 2025, MetaMask mobile allows pairing with a Keystone hardware wallet via QR code, for instance).

MetaMask 手機支持掃描 QR code 同指/面紋認證（指紋／FaceID 開鎖 App 更安全）。一個貼士：MetaMask 擴充版可以直接連接硬件錢包（如 Ledger、Trezor）；手機版雖則功能有限，但近年都有進步——2025 年版已經可以同 Keystone 硬件錢包經 QR code 配對。

Pros: Ubiquitous compatibility with DApps. MetaMask has become the de facto wallet for interacting with Ethereum dApps. So much so that many Web3 sites have a “Connect with MetaMask” button as the first option. Using MetaMask mobile means you have that broad compatibility in your pocket. Whether it’s swapping on Uniswap, yield farming, or minting NFTs, MetaMask will likely support it. Money.com called MetaMask the “go-to Web3 wallet” because it’s integrated with nearly every DeFi app and NFT platform out there. This ubiquity is a huge plus – you won’t find a DApp telling you “this wallet isn’t supported.”

優點：與 DApp 極廣泛兼容。MetaMask 可以講係以太坊 DApp 嘅標準錢包，幾乎所有 Web3 網站第一個都係「用 MetaMask 連接」。手機版即係「兜口擒埋」就全智能兼容，不論 Swap 幣、挖礦、Mint NFT，MetaMask 幾乎都支援。Money.com 形容佢為「Web3 首選錢包」，因為大多數 DeFi、NFT 平台都整合晒。兼容性極高，好少會見到「此錢包未支援」呢啲字眼。

User control and privacy is another pro. Like Trust Wallet, MetaMask is non-custodial – you hold your keys. There’s no centralized account or KYC required. You can generate multiple accounts within one app, which is useful to segregate funds or uses. MetaMask doesn’t collect personal info (though it does by default use some telemetry which hardcore users can opt out of). For privacy, you can connect to different decentralized RPC providers if you don’t want to use the default ones that might log your IP (advanced use case).

用戶自控同私隱都係賣點。好似 Trust Wallet，MetaMask 都係去中心化自主管理，自己持有私鑰，唔需要註冊 KYC，可以一個 App 開多個帳戶，資產分流好方便。MetaMask 唔會 collect 你私人資料（預設有部分遙測功能，高階用戶可以選擇唔用）。如果怕預設 RPC 會記錄你 IP，仲可以自訂分散化 RPC provider，加強私隱（專業用法）。

MetaMask’s security is solid, with the usual caveat that you must protect your seed phrase. The app itself can be locked with a password or biometrics, and it will automatically lock after a period. The code for MetaMask is largely open-source and has been audited, and the massive user base means any major issues are quickly noticed and addressed. The team at ConsenSys (the company behind MetaMask) has introduced features like phishing detection – MetaMask will warn you if you’re interacting with a known malicious domain (they maintain a blocklist). They integrated a tool called Blockaid to scan transactions and alert users of potential scams; in one case, they noted that those who opted into security alerts were “100% protected” from a specific phishing attack that stole funds from others. This proactive stance on security is critical given the constant phishing and scam attempts in crypto.

MetaMask 安全性都唔錯，但細節仍然：一定要保管好自己嘅助記詞。App 可以用密碼或生物認證上鎖，自動逾時都會鎖。軟件幾乎全開源，受過審核，而用戶多，一出事都會好快有人發現同解決。ConsenSys（MetaMask 公司）團隊近期加咗釣魚檢測：當你進入已知惡意網域，MetaMask 會出警告（佢有專屬黑名單）。又加入咗 Blockaid 工具偵測交易，主動提醒你有無 scam 危險。有一次數據係 opt-in 咗警報用戶百分百無中招，而同場其他人就損失資金。咁積極主動嘅保安措施係加密圈極關鍵，因為 scam/trick 層出不窮。

Another pro: multi-chain future readiness. As more Ethereum layer-2 networks and sidechains emerge, MetaMask tends to support them quickly. For example, when Optimism and Arbitrum (Layer 2 networks) went live, MetaMask users could manually add those networks and use them even before many other wallets had that capability. It stays on the cutting edge of EVM ecosystem developments.

仲有一個優勢：多鏈兼容。當越嚟越多以太坊 L2、側鏈出現，MetaMask 一般都係最早支援。例如 Optimism、Arbitrum 一出，MetaMask 用家即刻可以手動加鏈，快過市面好多錢包。永遠係 EVM 生態最新最齊。

Cons: Perhaps the most cited con of MetaMask is that transaction fees (gas) can be high, but that’s more a con of Ethereum. Nonetheless, new users often get a shock when they see the gas fee prompt. MetaMask does let you adjust gas prices and limits (basic and advanced options), which introduces complexity. If you mis-adjust, your transaction might stall. This is a necessary complexity for interacting with Ethereum, but it can be confusing for some.

缺點：講得最多就係轉帳手續費（gas fee）好高，不過其實係以太坊本身嘅限制。新手見到 gas prompt 經常嚇一嚇。MetaMask 雖然畀你自己攪 gas 價／上限（基本、高階皆有），但太多參數又多人調亂交易，會死住唔郁。呢個係玩 Ethereum 無可避免嘅複雜位，有啲用戶會覺得煩／難搞。

Another con: not beginner-friendly for non-Ethereum stuff. MetaMask is really an Ethereum/EVM wallet. It doesn’t support non-EVM chains like Bitcoin, Solana, Cardano, etc. If you try to send Bitcoin to MetaMask, you could lose it – because MetaMask won’t generate a BTC address. So it’s not a one-size-fits-all for all crypto. It focuses on Ethereum and similar networks. For enthusiasts, this means MetaMask is one tool in your kit, but you’ll likely need another wallet for non-EVM assets.

第二：MetaMask 對非以太坊鏈如 Bitcoin、Solana、Cardano 等完全冇支援。如果 send BTC 去 MetaMask，會直接損失資產，因為無 Bitcoin 地址。換句話講，佢唔係 all-in-one，全加密貨幣通用，只專注以太坊家族。重度玩家就要多一個錢包存非 EVM 資產。

Customer support is limited. There is no official live support (watch out for scam imposters!). The help is basically documentation and community forums. Many people have fallen for scammers who pretend to be MetaMask support on social media – a persistent issue. So using MetaMask safely requires some community knowledge: e.g., MetaMask will never ask for your seed phrase in a form or chat.

另一問題係用戶支援只限文檔同論壇，冇官方真人（要小心假冒/釣魚客服！）。好多受害人都係以為 Twitter/Telegram 上有 MetaMask 客服，最後中伏。記住，安全用 MetaMask 要有社群經驗——MetaMask 絕對唔會要你填助記詞/私鑰去表格或聊天室。

Also, mobile vs extension syncing: initially, MetaMask mobile and browser extension didn’t automatically sync accounts (by design for security). You could sync via scanning a QR code for one-time account import, but some found this non-intuitive. This might have improved in recent versions where you can use MetaMask’s portfolio app or login, but still, it’s not a cloud-synced wallet – which again is by design for security, but a slight inconvenience if you use multiple devices (you’ll have to import the wallet on each device via seed phrase).

同步方面：開頭時 MetaMask 手機同擴充版唔會自動同步帳戶（為安全設計），要逐個裝置掃 QR code 匯入，對部分人嚟講唔直觀。有新版本支援 portfolio App／登入功能，方便咗啲，但本質都唔係「雲同步」，如果多裝置用，始終要靠助記詞一個個裝置手動 import。

Finally, using MetaMask can sometimes be too easy to spend money. It’s the gateway to pretty much any speculative token or NFT – which is exciting but also dangerous. Many have joked it’s like having a “casino app”, because with a few taps you can ape into any coin. This, of course, is up to user discretion, but novices might find it easier to get into

最後 MetaMask 有時都「太易洗錢」，因為佢幾乎係所有新幣/NFT 的「即入場通」，好刺激但都危險。有啲人攪笑話 MetaMask 係「賭場 App」，幾下 tap 已經「買入高風險迷因幣」。當然點用係個人選擇——但新手可能因此更容易「送錢入場」…… risky things when the wallet enables one-click access to thousands of tokens. MetaMask has no built-in risk warnings beyond known phishing scams.

錢包容許一鍵存取成千上萬種代幣時會帶來風險。除咗已知嘅釣魚騙局，MetaMask 本身冇設有其他風險提示。

Expert Opinion: MetaMask’s impact on crypto is enormous. It’s often called the “gateway to DeFi” or the “key to Web3”. With over 30 million MAU, it achieved record user levels reminiscent of early 2022’s peak of 31 million. Experts credit MetaMask for enabling the explosion of DeFi and NFTs by giving users a simple interface to engage with dApps. Money.com rated it the “Best Web3 Wallet” due to its integration with virtually every dApp and its strong security track record. They noted MetaMask “combines strong security measures... with customizable transaction fees”, highlighting its balance of user control and safety.

專家意見：MetaMask 對加密貨幣圈嘅影響極之巨大。佢經常被稱為 「DeFi 嘅入門」 或 「Web3 嘅鑰匙」。每月活躍用戶超過三千萬，用戶數量曾一度追上 2022 年初嘅高峰。專家認為 MetaMask 之所以能夠推動 DeFi 同 NFT 爆炸式增長，係因為為用戶提供咗簡易介面，讓用家可以接觸 dApp。Money.com 因為其幾乎兼容所有 dApp 同強大安全紀錄，將 MetaMask 評為 「最佳 Web3 錢包」。佢地指出 MetaMask 「結合強勁安全措施…同可自訂交易費用」，突顯出用戶自主同安全之間取得平衡。

Analysts also point out that MetaMask has kept improving security as the user base grew – such as the Blockaid integration that protected users from a recent dApp hack. The fact that it nearly hit the same user activity in late 2023 as it did in the frothy market of 2021 suggests MetaMask remains a core tool even in quieter market times.

分析師亦指出，MetaMask 隨住用戶基礎增長，持續提升安全性──例如最近集成 Blockaid，成功防止最近一單 dApp 被黑事件中用戶受害。事實上，MetaMask 於 2023 年底錄得嘅用戶活躍度差唔多同 2021 年牛市時期一樣，顯示 MetaMask 喺淡市都依然係核心工具。

In sum, MetaMask is an essential app for any crypto enthusiast, particularly if you’re venturing into Ethereum’s vast ecosystem. It might not be the starting wallet for a complete newbie (who might prefer a Coinbase or similar first), but it inevitably becomes part of the toolkit as one gets more involved. For NFTs, DeFi, ICOs, or just holding ETH and tokens in a self-custodial way, MetaMask is a proven choice. As one IBTimes article put it, “MetaMask has grown significantly… signaling a promising development for web3 adoption”. It’s hard to talk about engaging with modern crypto platforms without MetaMask coming into play, making it a must-have app in this top list.

總括而言，MetaMask 對任何加密貨幣愛好者而言都係不可或缺嘅 App，特別係你諗住參與 Ethereum 嘅龐大生態圈。佢未必係新手首選嘅錢包（好多人一開始可能會揀 Coinbase 或其他類似方案），但一旦你更深入，都幾乎必然會用到 MetaMask。無論你玩 NFT、DeFi、ICO、又或者只係想自主管理 ETH 同代幣，MetaMask 都係經得起考驗嘅選擇。正如 IBTimes 其中一篇文章提到，「MetaMask 發展迅速……標誌住 web3 普及有突破性進展」。要討論現代加密貨幣平台，就好難繞開 MetaMask，絕對係必備工具之一。

10. Exodus – User-Friendly Multi-Crypto Wallet

Exodus is a popular desktop and mobile wallet known for its beautiful design and ease of use. For a long time, Exodus has been a favorite choice for those who want a beginner-friendly wallet that still lets them control their private keys. It’s often recommended as the “best overall” crypto wallet for people managing a diverse portfolio, thanks to its support for multiple assets and built-in exchange features. Whether you are on iPhone, Android, or your PC, Exodus provides a seamless way to manage your crypto in a self-custodial manner.

Exodus 係一個受歡迎嘅桌面同手機錢包，以設計靚同易用聞名。好耐以嚟，Exodus 都係想有簡單入門又可以自主管理私鑰用戶嘅心水選擇。因為佢支援多資產同設有內置兌換功能，經常被推介做「整體最佳」多資產加密錢包。無論你用 iPhone、Android 定 PC，Exodus 都可以畀你方便咁自主管理加密貨幣。

Features: Exodus supports over 260 cryptocurrencies, including Bitcoin, Ethereum (and many ERC-20 tokens), Litecoin, Dogecoin, Dash, and more, plus newer assets like Solana and Binance Chain tokens. It is a non-custodial wallet, so you get a 12-word recovery phrase when you set it up. One of Exodus’s hallmark features is its intuitive interface: the app has visually appealing charts and a portfolio page that shows the value of your holdings and their allocation breakdown. It feels almost like a fintech app, with colorful design and one-click access to features.

功能：Exodus 支援超過 260 種加密貨幣，包括 Bitcoin、Ethereum（及大量 ERC-20 代幣）、Litecoin、Dogecoin、Dash 等，仲有近年新興嘅資產如 Solana 同 Binance Chain 代幣。佢係非託管錢包，設置時會畀你一組 12 字復原詞。Exodus 最有代表性嘅特色就係直觀界面：App 內有吸引人嘅圖表，投資組合頁面可以睇到你持有嘅價值同分配比例。成個設計幾乎同金融科技 App 無異，色彩繽紛、功能一鍵即達。

Exodus has a built-in exchange (powered by third-party integration, e.g., ShapeShift in the past, now other partners) that lets you swap one asset for another from within the app without needing to use an external exchange. The exchange covers dozens of popular pairs and can be very convenient for portfolio rebalancing or diversifying without sending coins out to a centralized exchange.

Exodus 有內置兌換功能（以前用 ShapeShift，家下轉咗用其他合作方），你可以直接喺 App 裏面交換唔同資產，唔需要去外部交易所。佢支援好多熱門兌換對，對於想調整組合或者想分散資產但又唔想出金到中心化交易所，非常方便。

Another benefit is cross-platform sync. You can pair your Exodus mobile wallet with your desktop wallet by scanning a QR code, which means you can manage the same wallet across devices. Changes reflect on both, giving flexibility (this uses secure one-way sync of private data; the seed remains the same).

另一個好處係跨平台同步。你可以用 QR code 連結手機同電腦版 Exodus，兩邊都可以管理同一個錢包，變動會自動同步（呢種同步係單向加密，種子詞都係同一組）。

Exodus also incorporates a section for staking certain assets (like Algorand, Cardano, Solana, Cosmos, etc.), where you can earn staking rewards by holding them, and it provides clear info on reward rates. It has a section for Apps that extend functionality – for example, there’s an integration with the Lightning Network for Bitcoin (via the WalletConnect to the Lightning app), and integration with sports betting via SportX, etc., which they introduced to expand use-cases.

Exodus 亦提供部分資產嘅 Staking 功能（如 Algorand、Cardano、Solana、Cosmos 等），你只要持有就有機會賺取 Staking 獎勵，而且會清楚列出回報率資訊。佢仲有「Apps」版區，可以擴充功能 —— 例如接駁 Bitcoin Lightning Network（用 WalletConnect 去 Lightning App），以至體育博彩（同 SportX 合作推新用途）。

Moreover, Exodus has integrated with hardware wallets (specifically, it supports Trezor hardware wallets). Through Exodus, you can manage assets on a connected Trezor device with the Exodus UI. This is great for people who want the security of a hardware wallet with the slick interface of Exodus.

另外，Exodus 已經支援硬件錢包（主要支援 Trezor），你可以用 Exodus 介面直接管理插駁住嘅 Trezor 裝置上嘅資產。呢個配合，用戶既享有 Trezor 高度安全，又有 Exodus 靚靚介面，好適合追求安全又方便嘅人。

Pros: Extremely user-friendly and visually appealing. Exodus shines in its design – it abstracts away much of the complexity of crypto. New users often find it less intimidating than other wallets. Money.com’s wallet review crowned Exodus as the “Best Crypto Wallet Overall”, noting it’s an “excellent option for a variety of investors – particularly those managing diverse portfolios – thanks to its broad asset support, thousands of trading pairs, and built-in crypto swapping”. This captures the broad appeal: it supports a wide array of coins and makes exchanging them straightforward.

優點：極之易用同好靚。Exodus 喺介面設計上十分突出，大大減少咗加密貨幣嘅複雜度。新手多數覺得 Exodus 比其他錢包冇咁嚇人。Money.com 的錢包評選仲將 Exodus 稱為 「整體最佳加密錢包」，讚佢係「極適合唔同投資者——尤其管理多元組合——因為支援多種資產、千幾個交易對、同內置幣兌換」。可以咁講，Exodus 真係適合大量幣、換幣又直接。

The portfolio tracker aspect is very handy. Instead of just being a wallet, Exodus almost serves as a portfolio management app, showing pie charts of your holdings and allowing you to track value changes over time in-app. This can reduce the need for a separate portfolio tracker.

投資組合追蹤功能亦非常方便。Exodus 唔淨止係錢包，幾乎係資產管理 App，可以睇到持幣圓餅圖、追蹤價值變動，好多時唔使另外搵組合追蹤工具。

Multi-platform availability is another pro. Exodus began as a desktop wallet (which many still use), and their mobile app brings that experience on the go. If you prefer managing large sums on a desktop and using mobile for convenience, Exodus covers both. The syncing means you don’t have to manually keep track of which coins are where – it’s the same wallet.

多平台支持亦係一項優點。Exodus 原本係電腦錢包，好多老用戶都仲用緊，而家手機版體驗一樣流暢。你可以大數落家用 PC 管理，外出就靠手機，同步之下唔使擔心要手動分辨資產係邊，因為全部都係同一個錢包。

Exodus’s customer support is noted for being good in the non-custodial wallet category. They offer email support and have an extensive knowledge base. Because they are a company (unlike open-source projects which rely solely on community), they strive for a positive user experience and respond to inquiries. For a non-custodial wallet, that’s valuable (though they can’t help if you lose your seed phrase, of course).

Exodus 嘅用戶支援都係非託管錢包中數一數二，設有電郵查詢同詳細知識庫。由於 Exodus 係一間公司（唔似一啲全開源項目只靠社群），佢地著重用家體驗，有正式客戶支援服務。對於非託管錢包嚟講好罕見（當然，地唔會幫你搵返唔見咗嘅種子詞）。

Cons: The main trade-off with Exodus is that this user-friendliness comes at the cost of some advanced features and potentially higher swap fees. For one, Exodus is not fully open-source (its wallet portion is closed source, though some components are open). Hardcore crypto folks sometimes prefer fully open wallets like Electrum or MetaMask due to transparency. However, Exodus has been around for many years with a solid reputation, which has built trust even without fully open code.

缺點：Exodus 夠易用，其實都係要犧牲啲進階功能，仲可能換幣手續費會高啲。首先，佢唔係全開源（主要錢包係封閉源碼，但部分組件係開源）。一啲 hardcore 加密用戶會寧願揀全開源冇黑箱。儘管如此，Exodus 行內有多年信譽，冇完全開源都建立咗唔少信任基礎。

When using the built-in exchange, the fees or spreads can be higher than using an exchange directly. You pay for convenience. If you swap $100 of crypto within Exodus, you might get a slightly worse rate or a fixed fee tacked on. For occasional trades it’s fine, but it’s not a platform for high-frequency trading or seeking the absolute lowest fees. Large trades might be better done on an exchange then sent back to Exodus.

用內置兌換功能時，手續費或價差會比直接用交易所貴。換番啲方便，俾多啲錢。譬如你用 Exodus 換 $100，加多啲手續費或者有額外收費。偶爾交易問題唔大，但唔適合高頻交易或者追求最低費用。大額交易建議還是去交易所搞，搞掂再轉返去 Exodus 存放。

Exodus also, by design, does not support some cryptos that require their own full nodes (for example, it doesn’t support Monero due to technical complexity and size of blockchain). And while 260+ assets is a lot, it’s fewer than some rivals like Trust Wallet which supports thousands. If you hold something very obscure, Exodus might not have it until it gains popularity.

由於設計上問題，Exodus 唔支援需要全節點嘅幣（例如技術上咪支援 Monero，因為涉及複雜同區塊鏈太大）。雖然有超過 260 種資產，但仍少過一啲如 Trust Wallet 支援幾千種。要係你儲存一啲好生僻嘅幣，未紅可能 Exodus 都冇。

Another limitation: No native support for dApps or Web3 browsing. Exodus is a wallet, but unlike MetaMask or Trust Wallet, it doesn’t have an in-app browser or easy DApp connection (except for the limited apps they include). So, if you want to use DeFi, you can’t directly connect Exodus to a DApp via WalletConnect (except a couple of integrated ones). That means Exodus is not the tool for daily DeFi interaction. Think of it more like a traditional wallet/portfolio app than a Web3 gateway. This is why many advanced users have Exodus for portfolio and another wallet for Web3 needs.

另一個局限：冇原生支援 dApp 或 Web3 瀏覽。Exodus 係錢包，但唔似 MetaMask 或 Trust Wallet 果類，有內置瀏覽器或者 WalletConnect 支援（除咗啲有限度嘅合作 App）。即係話你唔可以直接拎 Exodus 去接 DeFi dApp（只有一兩個整合咗例外）。所以 Exodus 唔係打算日常參加 DeFi 用。要將佢諗住係傳統投資錢包或組合管理 App 多過 Web3 入門。好多老手用 Exodus 做組合管理，Web3 就另有其他錢包。

Lastly, security: Exodus is as secure as a software wallet can be, but by nature, it’s a hot wallet (except when combined with Trezor). It doesn’t have 2FA or multisig capabilities within the app. So if your device is compromised, funds could be at risk. They rely on OS-level encryption and user password. It’s generally fine for moderate amounts, but huge holdings are safer on a hardware wallet (which, to be fair, Exodus can integrate with as mentioned).

最後講安全：Exodus 算係軟件錢包中夠安全，但始終熱錢包（除咗配合 Trezor 外）。佢本身冇雙重認證或多重簽名功能。如果你部機失守，資金會有風險。全部只靠系統加密同用戶開設密碼。一般金額問題不大，但真正大筆資產始終建議用硬件錢包（好彩 Exodus 同 Trezor 係可以一齊用）。

Expert Opinion: Exodus consistently ranks high in wallet comparisons for being user-centric. As Money.com noted, it received “consistently high marks for security” and “ease of use across platforms”, which is why they picked it as best overall. Users and reviewers often recommend Exodus to those who are less technical but want the benefits of a self-custodial wallet. It’s also one of the earliest multi-asset wallets to still maintain a strong reputation; launching in 2016, it has been around through multiple cycles, which adds to confidence.

專家意見：Exodus 長期被評選做關注用家體驗嘅頂尖錢包。Money.com 指出佢 「一向安全評分高」 同 「跨平台易用」，所以選為整體最佳。唔熟技術但想自主管理資產嘅人，好多時都推介用 Exodus。Exodus 亦係最早多資產錢包之一，由 2016 年運作到依家，歷經加密貨幣一浪又一浪，信心有保證。

Crypto analysts sometimes mention Exodus in the context of bridging the gap between pure novices (who might stick to exchange wallets out of fear of complexity) and advanced users. It offers a friendly stepping stone into controlling one’s own keys. The founding team’s focus was always on design and customer experience, which shows. A scientific analogy might be that Exodus is to crypto wallets what Apple’s iOS was to early smartphones – not the most open or tweakable, but very polished and approachable.

加密分析員會將 Exodus 形容為為新手（因怕煩會滯留交易所）同進階用戶之間架「友好橋樑」。佢係令你自主管理私鑰好好嘅起步點。團隊由創立開始就偏重設計同用家體驗，一用就知分別。形容就似 iOS 之於智能電話，唔係最開放、唔係最多自定義，但確實係最平滑同親和。

For many enthusiasts, Exodus becomes a staple for managing a broad portfolio. You might trade on Binance or Coinbase, but then withdraw to Exodus for storage and a nice overview of your holdings. It’s also a convenient hub to perform quick swaps between assets if you decide to rebalance (knowing you pay a bit extra for that ease).

對好多加密愛好者嚟講，Exodus 已經成為管理多元資產組合嘅基本工具。你可以喺 Binance 或 Coinbase 買賣，然後提返去 Exodus 存放，順便有一個靚界面查看整個持幣情況。決定要調整比例時，喺 Exodus 快速換幣又方便（當然會知多付啲手續費換取快捷）。Given these factors, Exodus well deserves a spot in the must-have crypto apps – especially for those who value an elegant interface and straightforward experience.

鑑於以上這些因素，Exodus 絕對值得成為必備加密貨幣應用程式之一——特別適合重視介面優雅同操作簡單嘅用戶。

11. ZenGo – Keyless Crypto Wallet for Beginners

ZenGo is a newer entrant that has been turning heads by reimagining wallet security and usability. It brands itself as a “keyless” crypto wallet – eliminating the need for the traditional 12- or 24-word seed phrase, which is often a pain point for beginners worried about losing their keys. Using cutting-edge cryptography (multi-party computation), ZenGo manages private keys in a way that is both user-friendly and secure. Money.com named ZenGo the “Best Crypto Wallet for Beginners” in 2025, precisely because it “removes much of the complexity… by eliminating complex seed phrases”.

ZenGo係一個較新嘅加密貨幣錢包，近年因為重新定義安全性同易用性而備受關注。佢主打「無私鑰」錢包，即係唔使傳統果啲12字或24字恢復詞，對於擔心遺失key嘅新手嚟講，解決咗大痛點。ZenGo用咗先進嘅密碼學技術（多方計算，MPC）去管理私鑰，確保易用之餘又夠安全。Money.com 甚至喺2025年賦予 ZenGo「最佳新手加密錢包」獎項，就係因為佢「解決咗大部分複雜性……唔使再用難記嘅恢復詞」。

Features: ZenGo is a mobile-only wallet available on iOS and Android. When you set it up, you do not get a seed phrase to write down. Instead, the security is split between your device and ZenGo’s servers through mathematical tricks. You sign in with an email and secured by 3D biometric face recognition (on compatible phones). This means if you lose your phone, you can recover your wallet by verifying your identity with the face scan on a new device and confirming via email – a process far more familiar to average users than dealing with secret words. ZenGo’s approach has no single point of failure; neither your device alone nor ZenGo’s server alone can access your funds – it requires cooperation (via encrypted shards of your key).

功能方面：ZenGo 只出手機版（iOS 同 Android），開戶時唔會畀你一串要抄底嘅恢復詞。安全性就用咗數學技術分拆——你部手機同 ZenGo 嘅伺服器分別持有私鑰碎片。你用 email 註冊，再加兼容手機上嘅3D面容識別。咁即使部手機唔見咗，只要新機過面容認證加 email 驗證，一樣可以搵返你個錢包——對普羅用戶嚟講，比起抄啲秘密詞方便好多。ZenGo 冇單點失效風險，純粹有你又有 ZenGo 嘅協作（經過加密私鑰分片）先攞到資產。

In terms of assets, ZenGo supports dozens of major cryptocurrencies (Bitcoin, Ethereum and many ERC-20 tokens, Tezos, Binance Chain, Polygon, etc., with new coins added over time). It has an in-app purchase feature to buy crypto with bank card or wire (via third-party providers) and an integrated swap feature (powered by Changelly/Simplex and others) to exchange assets within the app. ZenGo also offers interest-earning options: for example, they provide saving/vault features where you can earn yields on certain assets (like via connection to DeFi lending, etc.), and support for staking (e.g., Tezos baking).

資產支援方面，ZenGo 覆蓋咗幾十種主流加密貨幣（例如 Bitcoin、Ethereum 同埋多種 ERC-20 代幣、Tezos、Binance Chain、Polygon 等等，持續有新幣加入）。App 内直接支援用信用卡或銀行過數買幣（由第三方公司提供），亦可以直接喺 App 入面用 Swap（由 Changelly/Simplex 等平台背後提供）兌換幣種。另外仲有儲蓄／Vault 功能，某啲資產（透過 DeFi 放貸等）可以賺收益，兼且支援 Staking（例如 Tezos baking）。

Another unique feature: ZenGo’s ClearSign wallet firewall. It’s a built-in safety mechanism that will analyze smart contract transactions you’re about to sign and try to warn if something looks suspicious (like if a DApp is trying to take more permissions than expected). This addresses the problem of people accidentally signing malicious transactions. ZenGo touts that ClearSign can help users avoid common DeFi and Web3 scams by providing human-readable warnings.

仲有一個特點就係 ClearSign 錢包防火牆功能——啲交易簽署之前，佢會分析智能合約內容，檢查有冇可疑（例如 DApp想攞太多唔合理嘅權限），有異就會出警告，防止你不小心簽咗惡意交易。ZenGo 出咗明話 ClearSign 幫用戶避免常見 DeFi 或 Web3 騙案，因為佢可以用明確嘅提示解釋。

ZenGo also has a feature called Chill Storage. It’s basically a mode where you can lock your funds in the wallet so that even if someone got access to your account, they couldn’t send funds without a waiting period. It’s like an extra security step for large HODLers – you “chill” your wallet, and unfreezing it for spending takes time (giving you a window to act if compromised).

ZenGo 仲有 Chill Storage 功能，簡單嚟講就係可以將資產鎖定——即使有人入咗你個戶口，未經等待期都唔可以立即轉走啲幣。對於大戶／長揸玩家嚟講，好似加多一層保障——你先「chill」個錢包，要解鎖出金都要等一段時間，如果真係被入侵你都有時間處理。

Pros: No seed phrase to lose – this is ZenGo’s biggest draw. For beginners, managing a seed phrase is scary and technically challenging (some might not back it up properly or might lose it). ZenGo removes that hurdle while still keeping the user in control (it’s non-custodial in the sense ZenGo can’t move your funds without your authorization; the key is split). This unique keyless security model has been praised as making crypto more accessible. Money.com specifically highlighted ZenGo’s use of “multi-party computation (MPC) cryptography, a keyless security model” that, combined with its “appealing design,” makes it superb for beginners.

優點方面，最大賣點就係冇恢復詞唔驚唔見——對於新手管理恢復詞成日好大壓力又易唔記得。ZenGo 完全移除呢個麻煩，但資產控制權都仲喺用戶手（非託管性，ZenGo 都冇你授權都動唔到你啲幣，因為私鑰都係分開）。呢個「無私鑰」設計大大降低入門難度。Money.com 點名話 ZenGo 用到「多方計算（MPC）密碼技術，一個無私鑰安全模組」配合優雅設計，簡直係新手恩物。

User experience is another big pro. The app is sleek and simple. Reviews often mention how polished the design is – everything from set-up to daily use is guided. It feels like using a modern fintech app rather than a bare-bones crypto tool. They also emphasize customer support; ZenGo has live 24/7 in-app support chat, which is uncommon for self-custody wallets.

用戶體驗都係一大優點，個 App 設計靚仔簡潔，好多用家都讚入面每一步都有導覽，好似用緊現代金融 App 咁，不像傳統加密錢包咁原始。ZenGo 仲有24小時即時客戶支援 live chat（對於非託管錢包好罕有）。

ZenGo’s security innovations extend beyond just key management. The facial biometrics and email are familiar processes for users, yet they’re implemented in a way that ZenGo (the company) can’t just unlock your account or steal your funds. It has been externally audited and has a good track record – no ZenGo wallet has been hacked or lost funds due to a security flaw, as per their communications. This balance of security and convenience is its selling point.

佢安全創新唔止於私鑰管理層面。面容識別同 email 驗證大家都好熟，但 ZenGo 係技術層面搞到公司自己都冇辦法單方面幫你開鎖或攞你資產。安全方面通過第三方審計，官方有提過暫時冇用戶因為安全問題而損失資產／俾人入侵。呢種平衡安全同方便嘅設計正正係佢賣點。

The extra features like ClearSign and Chill Storage show the team is thinking about real user problems (phishing, theft) and building protections in. For example, if you’re interacting with DeFi, having that firewall interpret the transaction is very useful to avoid mistakes.

ClearSign、Chill Storage 等新功能，都見到官方有為真實用戶場景諗周全：釣魚、盜竊風險主動防範。如果你有玩 DeFi，有 firewall 譯明啲交易內容，真係幫到唔少用戶避免大頭蝦 miss。

Cons: The primary criticism from purists is that ZenGo’s model is not fully trustless. Because part of the key is on ZenGo’s servers, there’s a hypothetical scenario: if ZenGo the company went out of business or their servers went down, how would users recover their funds? The company has stated they have contingency plans and could release an open-source tool to recover in such a case, but it’s a consideration. With a normal wallet, as long as you have the seed, you don’t care if the company behind the app disappears – you can restore in another wallet. With ZenGo, you’re a bit reliant on the company’s existence for the full recovery process (at least, unless they provide an independent recovery option for users beforehand).

缺點方面，最主要俾頂級玩家批評嘅係唔夠完全「去信任化」。因為部份私鑰碎片都係ZenGo公司持有，如果公司結業或者伺服器壞咗，理論上會唔會取回唔到資產？雖然官方話有備用方案，甚至會放公開工具比用戶自己recover，但心理上比舊式 seed phrase 錢包係多左層擔心。傳統錢包，淨係要seed phrase就得，但用 ZenGo 講到尾你都要信公司要繼續存在先100%穩陣（除非佢之後真係開 source 畀用戶自己recover）。

Additionally, ZenGo is closed source for the most part. Some crypto enthusiasts prefer open-source wallets that can be independently audited by the community. ZenGo’s cryptography has been audited by third-party firms, but the code isn’t fully public. For some, that’s a trust trade-off.

仲有一點，ZenGo 大部份代碼唔開源。好多資深加密用戶鍾意全開源錢包，可以由社群審視。雖然密碼學部份受過第三方審計，但程式碼唔係完全公開，對某啲人來講都係信任trade-off。

Asset support, while covering most big names, is not as extensive as something like Trust Wallet or MetaMask. So, advanced users who have obscure tokens might not find them supported on ZenGo. It’s improving over time, but the focus is more on major coins.

資產支援方面，雖然涵蓋晒主流幣種，不過相比 Trust Wallet 或 MetaMask 咁多元，ZenGo 都未算最齊全。如果你有好多冷門幣，未必搵到支持。雖則不斷有新貨幣加入，不過官方始終主打主流幣。

No desktop version: ZenGo is mobile-only. That’s fine for most, but a few users might wish for a desktop app or browser extension for flexibility (currently not available).

冇 desktop 桌面版：ZenGo 得手機 app，大部份人冇乜所謂，不過有啲用戶都可能想要多個平台（例如 desktop app、browser extension），暫時未有。

Fees: ZenGo is free to download and use, but they make money on services – e.g., a percentage fee on swaps or purchases. The convenience comes at a cost similar to other easy-buy platforms. If you’re trading a lot or moving assets frequently, you might pay a bit more doing it through ZenGo’s partners than if you did on a dedicated exchange or DEX manually.

收費方面：ZenGo app 免費，但提供服務（例如 Swap 或買幣）會有手續費收取，與其他方便買賣平台差唔多。如果經常買賣、頻密搬幣，手續費都唔算最低，直接用交易所或DEX自己做仲平少少。

Expert Opinion: ZenGo has garnered positive coverage for bringing innovative security to mainstream users. When Money.com awarded it best for beginners, they essentially echoed what many have said: by eliminating the seed phrase without compromising self-custody, ZenGo “focuses on ease of use and educational support” for newcomers. In the BitDegree crypto awards, ZenGo often gets mentioned for user experience. The wallet currently holds high ratings on app stores, indicating user satisfaction.

業界評價：ZenGo 近年獲得唔少正面報導，創新安全機制帶入大眾市場。Money.com 當時頒畀佢新手最佳錢包獎，原因都係同大家共識一致：移除 seed phrase 同時又冇犧牲自主管理，對初學者「專注於易用同教育支援」。BitDegree 加密獎都有提 ZenGo 嘅用戶體驗方面表現突出。App Store 評分都好高，可見滿意度唔低。

Security experts find the MPC approach sound. It’s similar tech that some institutional custodians use (where multiple parties hold key shares), so bringing that to retail is applauded. The CEO of ZenGo has written about how they want to “kill the seed phrase” because it’s the root of so many user losses (either by being stolen or lost). Many in the industry agree that for broader adoption, we need solutions like this.

資安專家認為MPC方法合理可靠，甚至某啲機構級託管都用緊（多方持key），將佢帶落民用被高度認可。ZenGo CEO 都公開講過想「終結 seed phrase」，因為太多人俾人盜或唔記得而輸錢。好多業內人士同意，要普及化必須靠呢啲新解決方案。

For a crypto enthusiast, ZenGo can be an excellent wallet to recommend to friends or family who are new, given its safety net. Enthusiasts themselves might appreciate it as a daily driver for smaller funds or a “warm wallet.” Some might still use something like a Ledger for large holdings but use ZenGo for a checking-account-like wallet that’s easier to manage. The combination of security and simplicity is why ZenGo makes this top apps list. It’s a glimpse at the future of crypto wallets where you don’t have to be an expert in key management to safely own crypto.

對於資深玩家，ZenGo 可以好放心咁推薦畀朋友／家人新手，因為安全性有保障；自己都可以當日常小額「暖錢包」用（大額HODL繼續用硬件wallet如Ledger，小額日常 ZenGo就方便得多）。安全同易用兼備，ZenGo 至入選我哋精選App推介。佢代表住未來加密錢包嘅新方向——唔使再做私鑰專家都可以放心擁有加密資產。

12. Ledger Live – Secure Wallet App for Hardware Wallet Users

For anyone serious about security, a hardware wallet is a must-have device – and Ledger is the market leader in that space. Ledger Live is the companion app for Ledger’s hardware wallets (like the Ledger Nano S, Nano X, and the new Ledger Stax), and it’s an essential part of using those devices. While Ledger devices store your private keys offline, the Ledger Live app (available on mobile and desktop) lets you manage your crypto accounts, check balances, and initiate transactions which you then approve on the hardware. In essence, Ledger Live bridges security and convenience, giving you an interface to a very secure vault.

對於注重安全嘅用戶，硬件錢包絕對係必備裝置，而 Ledger 就係行業龍頭品牌。Ledger Live 就係 Ledger 硬件錢包（例如 Ledger Nano S、Nano X 及全新 Ledger Stax）嘅專用應用程式，幾乎係使用硬件錢包不可或缺嘅一部分。雖然 Ledger 裝置將私鑰離線儲存，但 Ledger Live（手機版同桌面版都有）可以方便你管理加密戶口、查餘額、發送交易——而最後批核都需要你喺硬件裝置上確認。總結來講，Ledger Live 完美結合安全同使用便利，為用戶提供操作超安全金庫嘅橋樑。

Features: Ledger Live supports over 5,500 coins and tokens through various integrations. With the app, you can add multiple accounts (for Bitcoin, Ethereum, XRP, etc.) and view your portfolio value in real time. It’s a one-stop dashboard where you can see all the crypto stored on your Ledger device. The app provides price data, historical charts, and detailed transaction history for each account.

功能特色方面：Ledger Live 透過多方整合，支持超過5,500種加密幣及代幣。你可加多個帳戶（如 Bitcoin、Ethereum、XRP 等），實時查自己組合總值。呢個App係一個一站式 Dashboard，所有存放喺Ledger硬件錢包嘅加密資產都一目了然。App 入面仲有報價、市場趨勢圖、同每個帳戶嘅詳細交易紀錄。

A major feature is built-in trading and swapping. Ledger Live integrates with services like Coinify, Changelly, Paraswap, and others to allow you to buy crypto with fiat or swap one crypto for another without leaving the app. Essentially, you can trade securely by initiating in Ledger Live and confirming on your hardware wallet. There’s also an earn section: Ledger Live now supports staking for several coins (e.g., you can stake Polkadot, Tezos, Cosmos, Ether, etc. directly and earn rewards) and even DeFi lending/yield through integrations (like Compound for USDT/DAI, etc.).

另一大賣點就係內建買賣、兌換功能。Ledger Live 支援 Coinify、Changelly、Paraswap 等服務，容許你直接 App入面用法幣買幣，或者唔離開App直接幣兌幣。咁你可以好安全咁發起交易（要硬件裝置確認）。而家 App 仲有「賺取」功能，可以直接Staking好多主流幣（例如 Polkadot、Tezos、Cosmos、Ether等）攞獎勵，甚至DeFi 放貸賺息（如 Compound USDT/DAI等）。

Ledger Live also has an Apps catalog (for desktop)where you can install specific blockchain apps on your device (each coin needs its app on the hardware). On mobile, this management is done behind the scenes when you add accounts. They have a Discovery tab showcasing various third-party DApps that you can use in conjunction with Ledger (like Lido for staking, Zerion or Rainbow.me for DeFi, etc.), effectively turning Ledger Live into a gateway for Web3 with hardware security.

你可以喺你部裝置上安裝特定區塊鏈嘅應用程式（每隻幣都需要喺硬件入面裝返自己嘅app）。喺手機上，當你新增帳戶時，呢啲管理會自動喺後台處理晒。Ledger Live 裡面有個「探索」分頁，會展示多款第三方DApp俾你用，同Ledger一齊用（例如Lido用嚟Staking、Zerion或Rainbow.me做DeFi等等)，等Ledger Live變成一個帶有硬件安全保障嘅Web3入口。

The app also provides real-time notifications for transactions if you enable it – so you know when funds arrive or leave. Portfolio tracking is another plus: you can add assets to watch or track some held off-device too. And for NFTs: Ledger Live now displays NFT collectibles (Ethereum and Polygon NFTs) in-app, so you can view your NFT art securely.

呢個App都可以提供即時交易提示——如果你開咗嘅話，咁你就會即刻知有資金入咗或者走咗。資產追蹤都係一大優點：你可以加資產去監察，甚至追蹤唔喺裝置入面持有嘅幣。講到NFT：Ledger Live 而家已經可以喺app裡面顯示NFT收藏品（Ethereum同Polygon嘅NFT），等你可以更安全咁睇自己嘅NFT 藝術品。

Pros: When paired with a Ledger device, Ledger Live offers one of the most secure ways to manage crypto. The hardware ensures private keys never touch your internet-connected device, and every transaction must be verified on the hardware physically. This means even if your phone or computer is compromised with malware, your crypto can’t be stolen (unless the attacker also physically gets your Ledger and your PIN).

優點：配合Ledger硬件一齊用，Ledger Live可以話係管理加密貨幣最安全嘅方法之一。因為個硬件確保私鑰唔會流出你部連接上網嘅裝置，每次交易都要實體確認，即使你手機或電腦中咗毒，只要對方冇你嘅Ledger同PIN碼，都偷唔到你啲幣。

Ledger Live’s convenience and all-in-one approach is a big pro. You don’t need separate wallets for different coins – one app covers Bitcoin, Ethereum, altcoins, and even NFTs. And you still maintain the gold standard of security. It’s very powerful that you can, for example, swap a token or stake coins right from cold storage. Money.com, in their wallet roundup, highlighted Ledger (specifically the device) as the “Best High-End Hardware Wallet”, implying that combining it with Ledger Live gives you a top-tier security solution.

Ledger Live 咁方便，又一個app搞掂晒係一大優點。你唔需要為咁多種幣分開用唔同錢包——一個app已經支援Bitcoin、Ethereum、山寨幣，甚至NFT。安全係黃金標準。最勁係你可以直接喺冷錢包入面swap token或者做staking。Money.com喺錢包推介都標明Ledger（特指硬件）係*「最佳高階硬件錢包」*，即係話配合Ledger Live一齊用係頂級安全方案。

Another pro: Backup and recovery. Ledger devices utilize a 24-word seed phrase. Ledger Live makes it easy to set up your device and back up the seed properly (it walks you through writing it down, etc.). If you ever lose the device, you can get a new one and restore with the seed through Ledger Live in minutes. It’s a well-tested recovery process (though notably, in mid-2023 Ledger controversially floated a feature to back up seed to cloud via ID verification – which they postponed after community backlash; but by default, backup is manual).

另一個優點：備份同復原流程做得好。Ledger用24字組成嘅種子短語，Ledger Live教曬你點樣設置、備份（寫低、檢查等等）。如果你部機唔見咗，買返部新嘅，再用seed phrase幾分鐘就可以復原晒。呢個係經過大量實戰證明可行嘅流程（但要留意：2023年中Ledger曾經考慮加過雲端備份功能，不過因應社區反對即刻叫停，平時都係手動備份）。

Ledger Live’s user interface is polished. It’s designed to be approachable. Over the years it’s become more feature-rich while largely maintaining clarity. Beginners might take a little time to understand installing apps vs. accounts, but it’s fairly straightforward after that. There’s also password lock for the app and an option to hide balances (privacy mode), which are nice touches.

Ledger Live個介面設計得好靚，好易用。越出越多功能，但整體都順眼清楚。新手開頭可能要搞清楚安裝app同加帳戶嘅分別，不過習慣咗都幾直覺。App仲支援密碼鎖、隱藏balance（私隱模式），都係啲貼心功能。

A huge plus is that Ledger Live is continually updated. Ledger as a company actively adds support for more assets and features (like they added NFT support, DeFi app integrations, etc.). So, it’s not static – as the crypto world evolves, Ledger Live keeps up, meaning your hardware wallet can interact with new protocols safely. This keeps your setup future-proof: e.g., when Ethereum moved to staking with the Beacon chain, Ledger Live rolled out an easy way to stake ETH through Lido.

非常大優點係Ledger Live長期有更新。Ledger公司積極加緊新資產同功能（例如加NFT支援、DeFi app整合等等）。所以唔會停滯不前——Crypto世界點變，Ledger Live都追到，代表你部硬件錢包永遠跟得上市場。即例如Ethereum轉去Beacon chain做staking，Ledger Live即刻有新功能，同步可以用Lido一鍵做ETH Staking。

Cons: The main con is that Ledger Live requires owning a Ledger hardware wallet to be useful (though you can use it in “watch-only” mode for some limited functions without a device, but not really). So, there’s the cost barrier – a Ledger Nano X costs around $150 (Nano S Plus about $80). That’s an investment some beginners aren’t ready for. However, for enthusiasts with significant holdings, it’s often considered well worth the security.

缺點：最大問題係Ledger Live要配合Ledger硬件先至真係有用（雖然有watch-only模式，不過功能有限，不建議咁用）。咁就有咗入場門檻——一部Ledger Nano X都要成$150美金（Nano S Plus約$80），有啲新手未必咁快肯投資。不過如果你啲資產多，其實好多玩家都話值呢個安全保護。

Ledger Live, while pretty, does have occasional bugs or sync issues. Managing multiple accounts and many tokens can sometimes lead to delays in updating balances or needing to clear cache/resync. The mobile version historically had fewer features than desktop (though it’s improving), and some operations require plugging your Ledger into a computer anyway (e.g., firmware updates can’t be done via Bluetooth on mobile for Nano X). The Nano X does have Bluetooth so you can use it with your phone, but some are wary of using Bluetooth at all (Ledger states it’s secure, but one could also use an OTG cable if paranoid).

Ledger Live雖然好用，但間中會有啲bug或者同步問題。你管理N個帳戶／token，有時balance update會慢，可能要清cache／重新同步。手機版本一向功能比電腦少（不過已經不斷加緊緊），同時有啲操作都係要插線落電腦（例如升級firmware，Nano X用手機Bluetooth升firmware唔得）。至於Nano X有Bluetooth可以用手機管理，不過有啲人對Bluetooth唔放心（Ledger話佢夠安全，你驚都可以用OTG線去連接）。

Another con: Not fully open-source. Ledger’s device firmware and Ledger Live code are not entirely open (parts are). This is somewhat controversial in the community, as some prefer fully open products like Trezor. However, Ledger’s products are professionally audited and they’ve proven secure in practice (aside from a supply chain data breach not affecting devices). Still, trust is needed in the company to some extent.

另一個唔好處：唔算完全開源。Ledger部機 firmware同Ledger Live app都有啲部份未開源。呢點圈內爭議都大，有啲人就鍾意揀全開源（好似Trezor）。雖則Ledger係專業團隊audit過，實戰都夠安全（除咗舊年發生過供應鏈資料外洩，但冇影響到裝置），但你始終要信公司一部分。

Also, Ledger Live doesn’t support every single coin in existence. It supports a lot (5,500+ assets, which is huge), but some more obscure or newer chains might not be integrated yet. Sometimes you have to use a third-party wallet with your Ledger for certain coins. For example, Ledger might not natively support a smaller Layer1’s interface, so you use that chain’s wallet (with Ledger connected) for full features. This isn’t a fault of Ledger Live per se – integrating every coin is hard – but worth knowing that if you hold something exotic, check Ledger’s support list.

另外，Ledger Live唔係每一隻幣都有支援。支援超過5,500種已好誇張，但有啲太冷門、太新嘅鏈未整合到。咁你有時要用返三方wallet，部Ledger插落去配合（譬如某啲Layer1冇native支援，要用嗰條鏈官方wallet+ Ledger先做到全部功能）。唔可以話係Ledger Live錯，因為真係冇可能包晒所有鏈。不過如果你揸啲好冷門幣，記得check清楚先。

Finally, using Ledger Live with DeFi is secure but not as seamless as hot wallets. E.g., to use MetaMask with a Ledger, you often connect them. Some DeFi sites aren’t integrated into Ledger Live’s Discover tab, meaning you have to use something like WalletConnect. That adds a bit of friction. The highest security often has that trade-off of slightly more steps.

用Ledger Live玩DeFi都夠安全，但始終冇熱錢包咁順。例如你要用MetaMask配合Ledger，多數都要插一插。唔係所有DeFi網站都整合咗入Discover分頁，有時要用WalletConnect之類去連，加多咗啲手續。要最高安全自然多個步驟都要接受。

Expert Opinion: Security experts and virtually all crypto veterans agree that using a hardware wallet like Ledger is one of the smartest moves to protect your assets. As such, Ledger Live is often recommended as a must-have app once you have a device. “Ledger has sold over 7 million hardware wallets – none of which have ever been hacked”, the company noted proudly, a fact often cited in reviews to underline the robustness of their security. By securing about 20% of the world’s crypto assets, Ledger has credibility. Publications like Nasdaq noted Ledger’s app supports 100+ blockchains and commended its reach.

專家意見：安全專家同好多人都同意，用Ledger咁嘅硬件錢包係保護自己加密資產最聰明做法之一。所以如果你買咗部機，Ledger Live都係必裝app。「Ledger賣咗超過七百萬部硬件錢包，冇一部比人hack過」，公司引以為豪，好多評測都會引用呢句證明安全有保證。Ledger攬住全球兩成Crypto資產，都好有公信力。好似Nasdaq都提過Ledger支持過百條鏈，reach勁高。

When Money.com listed top wallets, their categories split hot and cold wallets, but they emphasize that a hardware wallet is vital for serious holders – and Ledger is generally the market leader in that category. The synergy of Ledger Live with the hardware is what makes it user-friendly enough for many to adopt cold storage. What used to be command-line or clunky processes (in early hardware wallet days) is now a slick app experience.

Money.com話過，頂尖錢包分開熱錢包同冷錢包兩類，佢哋都強調嚟認真保管資產，一定要用硬件錢包——而Ledger一般都係市場領先。就係因為Ledger Live同硬件嘅配合咁順，用戶friendlly到多人願意轉用冷錢包。以前可能用cmd咁麻煩宜家已經有靚apps玩。

From an enthusiast’s perspective, Ledger Live plus a Ledger device is often considered the gold standard for long-term storage. It’s the app you use to check your hodl stash or do secure transactions. Many use it alongside other apps: e.g., MetaMask for daily DeFi and Ledger Live for secure holding, with the Ledger device being used in both.

發燒友角度，長揸儲存資產揀Ledger Live+Ledger硬件都叫金標準。用嚟睇倉、做安全交易，屬於日常用app。好多都係MetaMask做DeFi日常，然後Ledger Live做安全管理，部Ledger硬件啲功能兩邊都用到。

In summary, while Ledger Live isn’t “exciting” like an exchange or dApp, it’s a foundational app – the kind that significantly boosts your security posture. Given the importance of protecting one’s crypto, it earns a place as one of the top must-have apps for enthusiasts who intend to safeguard their investments for the long run.

總結，Ledger Live未必有交易所、DApp咁「好玩」，但係一個保護安全非常核心嘅App。要認真保住自己啲幣，呢個App都算係發燒友必裝、長線保值投資必須之選。

13. CoinMarketCap – Crypto Market Data and Portfolio Tracker

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Staying informed is crucial in the fast-moving crypto world, and CoinMarketCap (CMC) is the go-to app for tracking cryptocurrency prices, market capitalizations, and overall market trends. Often dubbed the “Wikipedia of crypto” for market data, CoinMarketCap’s website is one of the most visited in crypto, and its mobile app brings that wealth of information to your fingertips. It’s an essential tool for checking the latest prices, researching new tokens, and even managing a watchlist or portfolio. With an origin dating back to 2013, CoinMarketCap became one of the most popular crypto websites in the world by 2018, and it remains a staple for enthusiasts.

要保持info update喺Crypto世界好緊要，而CoinMarketCap（CMC）就係大家睇加密貨幣價格、市值、行業大市走勢嘅必備app，常常比人叫做Crypto嘅「Wikipedia」。CMC官網係全世界最受歡迎幾個Crypto網站之一，手機app亦將所有重點數據傾下你指尖，最新價格、新token資料，甚至自己整portfolio或者watchlist都得。CMC 2013年推出，去到2018已經成為全球最受歡迎嘅加密貨幣網站，可以話係圈中必備。

Features: The CoinMarketCap app provides real-time data on over 19,000 cryptocurrencies. You can view prices, 24h/7d percentage changes, trading volumes, and market cap rankings. The app’s default view is a ranking of coins by market cap – Bitcoin, Ethereum, and so on – but you can also sort by other metrics or search for any coin/token by name.

主要功能：CMC app提供超過19,000種加密貨幣嘅即時數據，你可以睇實時價格、24小時/7日變幅、成交量、市值排名等。入app預設直接show市值排名榜——Bitcoin、Ethereum咁一路數落去——你亦可以用唔同條件排序，或者直接search幣名／代號。

Tapping on a coin gives you a detailed page with price charts, historical data, market cap info, circulating supply, and links to the project’s website, whitepaper, and social channels. It also shows which exchanges the coin is traded on and at what price – very useful for finding where a token is listed. There’s a “Markets” tab on each coin page that lists all trading pairs and exchanges for that asset, plus a “ About” section summarizing the project (often community-written and vetted).

點入任何一隻幣，就有詳細資料頁，有價錢走勢圖、歷史數據、市值、流通量、項目官網連結、白皮書、社交媒體等等，一應俱全。亦會清楚列埋每隻幣喺邊間交易所上架同實時價格——要搵某隻幣在哪交易好方便。每隻幣頁都有「市場」分頁，列表哂所有交易對、交易所，仲有「關於」分頁總結介紹（多數有社群幫手寫同審批）。

The app includes a Portfolio tracker where you can manually input your holdings and track their value over time. You add transactions (e.g., 0.5 ETH bought at $2000) and it will update the current value and profit/loss. This helps users monitor their overall crypto investments in one place, even if assets are across multiple wallets or exchanges. There’s also a Watchlist feature: you can bookmark specific coins to follow their moves easily.

內置Portfolio追蹤功能，你可以手動輸入持幣同交易記錄（例如0.5 ETH用$2000買入），App就會自動幫你追蹤現價同盈虧轉變。即使你啲幣分散唔同wallet／交易所，都可以一個app睇晒。睇住某啲幣可以用Watchlist，直接加書籤追蹤。

For discovery, CoinMarketCap has a Trending section (showing what’s gaining lots of attention), Top Gainers/Losers, and categorized lists like DeFi, NFTs, Metaverse tokens, etc. It’s great for finding new coins or segments. They also integrated a News feed pulling headlines from various sources, and a learn section with educational content.

發掘新幣方面，CMC有Trending熱搜榜、飆升/跌幅Top榜、仲有分門別類嘅主題list：DeFi、NFT、元宇宙token等。係識新幣、新板塊好好用。仲整合埋新聞快訊，學習資源都齊齊整整。

Another interesting feature is the Airdrops and rewards: users can participate in promotional airdrops of tokens or

另一個吸引功能係Airdrop同獎賞：用戶可以參加各種推廣Airdrop活動，或者…… earn small rewards by learning (similar to Coinbase Earn, but via CMC). And for fun, CMC has quizzes, price estimates (a feature where community predicts prices), and user accounts with points for tasks.

透過學習賺取小獎勵（類似 Coinbase Earn，但經由 CMC）。而且為咗增加趣味，CMC 仲有問答遊戲、價格預測功能（即社群一齊預測幣價）、同埋用戶帳戶會因為完成任務而獲得積分。

Pros: Comprehensive market coverage. CoinMarketCap tracks almost every coin out there, even tiny micro-caps and newly launched tokens (provided they meet some listing criteria). It’s the place to get a quick overview of a coin’s stats and where it trades. This breadth is unmatched – as of mid-2025, CMC lists over 19,000 cryptocurrencies and aggregates data from 500+ exchanges.

優點：覆蓋面極廣。CoinMarketCap 幾乎追蹤市面上所有加密貨幣，即使係微型山寨幣或者新上市嘅代幣（只要達到上架標準都會有）。要快速睇一隻幣嘅基本資料或睇下有咩交易所可以交易，CMC 都係首選。呢個資料量係無可比擬——截至2025年中，CMC 已經列出超過19,000隻加密貨幣，並且整合500間以上交易所嘅數據。

It’s extremely user-friendly – much more so than trying to glean info from individual exchanges or block explorers. Need to know how big a coin is? CMC’s global ranking and market cap does it. Want to see if a pump is broad or isolated? The app shows volume and exchange distribution.

用家體驗方面極之友善——遠比逐間交易所或者區塊鏈瀏覽器逐個搵資料嚟得方便。如果你想知道啲幣有幾大？CMC 會以全球排名和市值一目了然。如果你想睇一隻幣突然升值究竟係全市場都咁，定只是少數幾間交易所炒作？App 會有成交量同交易所分布顯示。

CMC app’s portfolio tracking is a big plus for enthusiasts with multiple holdings. Instead of checking many apps or making spreadsheets, you plug your holdings into CMC and watch them in one view. It’s read-only (manual entry, no API sync though), which some see as a pro security-wise (no connection to your actual wallets/exchanges, so no risk of hacks via the app).

CMC App 嘅投資組合追蹤功能對有好多幣嘅用家嚟講係一大優點。唔使幾個App逐個check、或者成日開Excel，將你持有嘅幣入晒CMC，然後一個畫面就睇晒，夠晒方便。而且係只讀（手動輸入，唔駁API），對某啲人嚟講更加安全——因為CMC app 本身唔會連接你實際嘅錢包/交易所，黑客都無法從App直接入侵。

CoinMarketCap is also free with minimal ads (and an ad-removal for logged in users or CMC Diamond reward members). It doesn’t require any personal info to use. You can create a free account to sync watchlists/portfolio across devices, but it’s not mandatory for basic use.

CMC 係免費，而且廣告極少（登入或成為 CMC Diamond 會員仲可以去廣告）。用基本功能完全唔需要交任何個人資料。開個帳戶，可以讓多部裝置同步追蹤清單/投資組合，但唔係必需。

The credibility and longevity of CMC add trust. It was acquired by Binance in 2020, which sparked some concern about neutrality, but CMC still operates with its own branding and attempts to be data-neutral. Forbes noted that the deal was reportedly around $400 million, underscoring how valuable CMC’s service is considered.

CMC 本身都好有公信力同歷史。2020 年被幣安收購，引起過中立性討論，但而家CMC依然維持獨立品牌、嘗試保持數據中立。據 Forbes 報導，收購金額高達 4 億美金，側面反映CMC 嘅市場價值非常高。

For enthusiasts, CoinMarketCap is like the dashboard of the crypto world: you open it first thing to see how the market is doing, Bitcoin’s price, top gainers etc. It helps in decision-making and keeping a pulse on the market. Money.com’s crypto tools mention having a price tracker is key, and CoinLedger’s experts listed CoinMarketCap as the “Best Crypto Price Tracker”, saying it’s great to “monitor cryptocurrency prices for free”.

對幣圈愛好者嚟講，CMC 就好似加密貨幣界嘅控制台：每日第一時間就開嚟睇市況、比特幣價錢、最大升幅等。對做決定、掌握市場走勢好有用。Money.com 嘅加密工具指，價錢追蹤app係必備，CoinLedger專家仲選CMC做「最佳加密幣價格追蹤器」，話可以「免費監控加密貨幣價格」。

Cons: While CMC is great for data, it’s not a trading app. You can’t buy or sell through it; it will always redirect you to exchanges. It’s purely informational (which is by design, not really a con, but one should know its scope).

缺點：CMC 只適合查資料，唔係買賣App。唔可以直接落單買賣，只會引導你去對應交易所。定位係純資訊（嚴格黎講唔算缺點，不過用家都要知佢範圍）。

There have been criticisms of accuracy and listing policies. For instance, early 2018, CMC removed Korean exchanges from price calculations (due to their prices being outliers) which caused market cap of XRP and others to drop suddenly. They have since introduced mechanisms like a liquidity metric and adjusting volume numbers to combat fake exchange data. Generally they’re seen as improving in this regard, but no aggregator is perfect. Very new coins might have delays in getting listed or updating supply data.

有啲人批評CMC數據精確度或上架政策。例如2018年初CMC突然將韓國交易所從價格計算中移除（因為韓國價過高），導致XRP等幣嘅市值即時大跌。之後CMC 加入咗流動性指標、調整成交量等措施對抗假數據。一般認為佢地依家有改善，不過冇 aggregator 完美。有啲新幣上架或者供應數量資料都會有啲延遲。

Another note: the portfolio feature is manual entry, so it’s only as accurate as you make it and doesn’t automatically track transactions or deposits/withdrawals. This is fine for many, but some might prefer automated trackers like CoinGecko or Delta that sync with wallets (though that entails giving read access to your addresses/APIs).

另外，投資組合功能需要手動輸入，所以準確度要睇你自己輸入得幾詳細，亦唔會自動追蹤交易紀錄或存款/提現。一般用家無乜所謂，不過有啲人會較喜歡CoinGecko或者Delta 類似可以自動連接錢包/交易所同步（不過咁樣就要畀讀取權限）。

Also, being owned by Binance, some competitors question if rankings could be biased (e.g., favoring Binance’s own coin or stats). So far, blatant bias hasn’t been evident to users – BNB is high because it’s actually high market cap. But skepticism exists. CoinGecko is an alternative many use for an independent view. Still, CMC is far more widely used, boasting a top 1000 global website ranking and tens of millions of monthly visitors.

另外，因為CMC係幣安旗下，有啲競爭對手質疑排名會唔會偏坦（例如對Binance自家幣有偏好）。而家用戶大致未見明顯偏向——BNB高位係因為本身市值大。不過市場懷疑聲音一直有。CoinGecko 就係其中一個好多人會揀嚟保持獨立觀點嘅選擇。但CMC始終最受歡迎，網站全球排名1000以內，每月用戶過千萬。

Expert Opinion: CoinMarketCap is often cited in news articles as the source for price data, a testament to its authority. It basically set the standard for how we measure crypto markets (like defining what “market cap” of a coin even is). John Vigna of WSJ once wrote about the founder of CMC being at “the center of a $100 billion crypto storm” referring to how influential the site was in 2018.

專家意見：好多傳媒新聞引用CMC作為價格數據來源，證明其權威地位。佢基本上為市場定咗一套標準（例如「市值」原本就係由呢度開始流行）。WSJ記者John Vigna 曾經話過CMC創辦人「身處千億美金加密瘋潮中心」，指2018年網站有幾咁影響力。

For everyday users, experts simply consider CMC (or its rival CoinGecko) a must-have bookmark/app. “One of the most popular websites globally,”* as the WSJ noted by 2018. It’s a starting point for research: reading a coin’s profile on CMC, seeing its all-time high, supply, etc., helps you understand it. And the user reviews/comments on CMC (while sometimes noisy) can give sentiment cues.

對普通加密用家，專家都會話CMC（或CoinGecko）係必備書籤／App。「全球最熱門網站之一」，WSJ早於2018年就已經咁講。要做功課，CMC係入門位：睇返幣歷史高位、供應量等基本資料。一啲用戶留言雖然多雜音，都可以作為市況參考。

CoinLedger’s 2025 list explicitly included CoinMarketCap as the “Best Crypto Price Tracker” app, implying that even with numerous specialized tools, having CMC for price watching and quick info is crucial.

CoinLedger 2025年榜單特別列出CMC做「最佳加密幣價格追蹤App」，即使有咁多專門工具，CMC都被認為係即時睇價/查資料嘅必備選擇。

In summary, if you’re a crypto enthusiast, CoinMarketCap is practically indispensable. It’s the quickest way to answer: “What’s the price of X right now? What’s pumping today? How big is this coin? Where can I trade it?” Its comprehensive data and ease of use make it one of the top apps to have, even though it’s not for transactions. It keeps you informed, and in crypto, information is power.

總結，如果你係Crypto 玩家，CoinMarketCap 幾乎係必用。最快捷答你「X 幣依家幾錢？今日邊隻急升？呢隻幣幾大？有咩交易所入手？」詳盡數據同易用性令佢成為必裝App之一，即使唔直接落單，都係資訊型用戶恩物。在幣圈，第一手資訊 = 實力。

14. CoinStats – Mobile Portfolio Tracker and Analytics

As one’s crypto holdings grow across different wallets and exchanges, tracking them becomes challenging. CoinStats is a popular crypto portfolio tracking app that helps enthusiasts monitor all their investments in one place. It’s known for a clean interface, support for numerous exchanges/wallets, and even some DeFi/NFT tracking. Both CoinLedger’s and Money.com’s experts have recognized CoinStats as a top choice for portfolio management on mobile. It’s often described as the “#1 crypto portfolio tracker app, trusted by over 1 million users”.

隨住大家加密持倉遍佈唔同錢包/交易所，要追蹤變得愈嚟愈複雜。CoinStats 係一款受歡迎嘅投資組合追蹤 App，幫你一次過睇晒全部資產。CoinStats 有清晰介面，支援大量交易所/錢包，仲連 DeFi/NFT 都 tracking 到。連 CoinLedger、Money.com 嘅專家都公認 CoinStats 係手機投資組合管理首選。成日有人用「超過100萬人信賴嘅 #1 加密組合追蹤 App」嚟形容佢。

Features: CoinStats allows you to track your crypto holdings across 300+ exchanges and wallets. This can be done by syncing read-only API keys from exchanges or public addresses from wallets, or by entering transactions manually. Once connected, the app updates in real time to show your asset balances and total portfolio value. For example, you can link your Binance account, your Coinbase wallet, your MetaMask Ethereum address, etc., and CoinStats will aggregate all that data.

功能：CoinStats 可以追蹤超過300間交易所同錢包嘅持倉。你可以用 read-only API key 由交易所同步，或者用公開地址由錢包同步，或者手動輸入交易都得。連接後 App 會即時更新資產餘額同總倉價，例如你可以綁定幣安帳戶、Coinbase 錢包、MetaMask ETH 地址等等，數據會統一展示。

The app supports over 20,000 cryptocurrencies, including small-cap tokens. It provides price charts, news, and detailed info for each coin (market cap, volume, etc., similar to CMC data). You can set up price alerts on any coin so you get notified when there are big moves or when a target price is hit.

支援超過 20,000 款加密貨幣，連細價幣都覆蓋。每隻幣都有價格走勢、新聞、詳細數據（市值、成交量等，類似CMC）。你可以對任何幣設價格提示，啱啱突破大位或到價即時彈出提示。

CoinStats also integrates DeFi and NFTs in its tracking. You can connect Ethereum wallets and it will show your DeFi asset balances (like liquidity pool tokens or staked tokens) and even some NFTs you hold. This is a differentiator from simpler trackers.

CoinStats仲支援DeFi及NFT資產追蹤。你只要接通ETH錢包，即刻見到DeFi持倉（例如LP Token、Staking Token等）同部分NFT資產，呢點係其他傳統追蹤工具做唔到嘅。

A powerful feature is the analytics: CoinStats offers breakdowns of your portfolio allocation, profit/loss over time (with charts), and even suggestions like which of your holdings performed best or worst. There’s a Coin Insights section showing metrics like average buy price for your holdings, total fees paid, etc., which serious investors find useful.

重點功能仲有數據分析：CoinStats 會拆解你持倉分布、每隻幣嘅賺蝕變化（有圖表），仲有「表現最好/最差投資」等建議。另設有 Coin Insights 區，可以查平均買入價、累計手續費等進階數據，啱啱認真投資嘅人！

The app has a “Discover” section to find trending coins and read news. It aggregates news headlines from various sources so you can stay updated. There’s also a social element: users can share their portfolios (percentages, not amounts) in a community, and you can see top traders (if they opt in to share) to gauge sentiment or ideas.

仲有「發現」專區，俾你搵熱門幣、睇新聞——全部新聞headline集中同一個版面，方便追市。帶少少社群元素：用戶可以選擇公開自己持倉比例（無金額數字），交流心得，睇下高手組合，了解市場情緒或搵下投資靈感。

CoinStats is available on mobile and web. The free version allows a certain number of exchange/wallet connections and alerts, while a paid plan (CoinStats Pro/Premium) expands those limits and adds more advanced features like extensive analytics, more frequent portfolio updates, and priority support.

CoinStats 支援手機同Web版。免費版有限定連接交易所或錢包嘅數量，同價格提示上限。收費版（Pro/Premium）就無限量連接、開放進階分析功能、組合更新頻率快同有優先客服支援。

Pros: Unified tracking is the big pro. Rather than checking multiple apps or making a spreadsheet, you open CoinStats and see exactly how your overall crypto net worth is doing and how it’s distributed. For an enthusiast who might have some funds on a ledger, some on exchanges, some in DeFi, this is invaluable. It answers, “Am I up or down overall today? By how much? Where are my biggest holdings?” quickly.

優點：一App睇晒你全數加密資產。而家有D人錢一部分放Ledger，一部分放交易所，一部分玩DeFi；用手機App快速同步全部，唔洗再開晒十個App或者Excel。你想知：「我今日總共升/跌咗幾多？呢隻幣佔幾多？最大持倉喺邊？」——分分鐘開個App即時一清二楚。

The fact that it can auto-sync via API saves time and reduces errors. For instance, if you trade often on Binance, manual entry would be a pain; but linking via API (read-only) means every trade is accounted for in CoinStats automatically. It even tracks fiat holdings or exchange balances if provided by the API.

可以API自動同步，慳時又唔易出錯。例如你成日喺幣安trade，如果手動入每單交易就好麻煩；API自動讀數（只讀）就日日都update晒所有損益、同步持有資產。連法幣結餘都track埋（如果API有提供）。

CoinStats also supports multiple portfolios. So you can, say, separate your long-term HODL stash vs. a trading portfolio vs. a test portfolio, etc., and see combined or separate metrics.

仲可以開幾個組合頁面，例如一個做長線HODL、一個專炒波幅、一個Test Lab等等，分開或合併睇數據都得。

The analytics and insights go beyond many basic trackers. Seeing ROI per asset, or how your portfolio changes over time in a chart, is useful. It helps in decision making (maybe you realize you’re too heavy in one sector, or that one coin is dragging performance). It’s like having a personal crypto accountant.

分析功能真係比普通組合App勁，ROI、損益走勢圖、資產分布都一目了然。分析咗你會發現自己重倉過濃或者邊隻幣拉低成績，猶如有個私人Crypto會計師。

Users also appreciate the UI/UX. CoinStats is generally regarded as having an intuitive interface, with night mode, customizable dashboard, etc. The real-time updating and alerts keep you on top of market moves.

用家都好like佢界面設計，直覺易用，又支援夜間模式、儀表板可以自定義。即時更新／提示，市況一變你就知。

Privacy is considered: API keys can be set read-only and even with IP whitelisting if you want. And if not comfortable with APIs, you can still use it manually. The app doesn’t have custody of anything; it’s just reading data. That is one reason many trust it.

私隱方面都做得好：API key 可以設 read-only、仲可以 IP whitelist。唔想駁API都可以純手動用。App本身唔托管你資產，純讀數，大家比較放心。

Cons: API setup can be tricky for non-technical users. Each exchange has its own process to create API keys. Some might hesitate to plug in keys even if read-only, due to security concerns (ensuring not to enable withdrawal permissions, etc.). However, for most, the instructions are clear enough.

缺點：API設置對唔熟悉技術嘅人或者新手麻煩啲。每間交易所開 API key 用法程序唔同。有啲人對API（即使只讀）都會有少少戒心（要留意唔好開提款權限等）。不過一般嚟講，App指南算清晰，跟住做都可以。

The free version limits （未完）to 2 exchange connections and 5 wallets (and a set number of alerts). If you have more than that, you’ll need the paid plan (~$5 to $20/month depending on level). Some might not want another subscription. That said, if you have a large portfolio, the cost might be negligible for the convenience.

只能連接到2間交易所及5個錢包（亦有一定數量的提示/警報）。如果超過呢個數，就要收費（月費約$5至$20，視乎級別）。有啲人未必想再加一個訂閱。不過，如果你資產組合夠大，呢個收費為咗方便都可以話係微不足道。

CoinStats is reliant on exchange APIs and data sources, so sometimes data sync issues or delays occur. If an exchange API is down or changed, it might not reflect instantly. Also, very new coins or obscure DEX-only tokens might not show up until they’re indexed.

CoinStats主要靠交易所API同數據來源，所以有時會有資料延遲或同步唔到。如果交易所API壞咗或有更新，資料未必即時反映。另外，一啲好新嘅幣種或者只喺去中心化交易所（DEX）上面有嘅代幣，可能要等平台收錄先會顯示到。

While it tries to integrate DeFi, it doesn’t cover everything. For example, it might not know how to value a specific yield farming LP token unless configured. NFT floor values might not always be accurate. So advanced DeFi users may still have to manually input or adjust some holdings.

佢都試緊支援DeFi，但唔係全部都覆蓋。例如，有啲流動性挖礦（yield farming）嘅LP代幣，可能要用戶自己設定先估值到。NFT嘅地板價都未必時時都準。所以啲進階DeFi玩家有陣時都要自己手動加持倉或者調整。

Another con: This app is read-only tracking, which is safe but also means you can’t execute trades. Some other apps (like some exchange apps or Blockfolio in the past) let you trade via API keys, but CoinStats stuck to being purely a tracker. This isn’t really a con since it’s by design (for security), but a user should know its purpose is tracking, not trading.

另一個缺點：呢個app只係做到讀取（Read-only）追蹤，唔可以做交易，安全但有限！有啲其他app（例如以往Blockfolio或者有啲交易所app）可以用API key直接落盤。但CoinStats就堅持只做資產追蹤，冇交易功能。其實呢個唔算缺點，因為係為保安全，但用戶要知道佢重點係追蹤，不係落單。

Expert Opinion: Portfolio trackers like CoinStats have become essential as people diversify across platforms. CoinLedger’s 2025 expert list cited CoinStats as the “Best Mobile Portfolio Tracker”, highlighting its ease of use and ability to track crypto and even NFTs in one app. BitDegree also lists CoinStats among top apps for simplifying portfolio tracking.

專家意見：而家好多用戶分散咗資產去唔同平台，用類似CoinStats咁嘅資產追蹤app差唔多變成必需品。CoinLedger 2025年專家清單都選咗CoinStats做「最佳手機組合追蹤app」，話佢易用、可以一個app追蹤加密貨幣同NFT。BitDegree都列CoinStats係簡化資產管理嘅頂級app之一。

CoinStats boasts over 1 million users, and its mobile app ratings are generally high, indicating user satisfaction. Many YouTubers or bloggers recommend it (or its competitor Blockfolio/FTX app before FTX fell) as a must-have to monitor one’s crypto net worth without constantly logging into exchanges.

CoinStats有超過一百萬用戶，手機app評分都好高，用家都幾滿意。好多YouTuber或blogger都推介（以前亦有推Blockfolio或FTX app，未出事之前），覺得係必備工具，可以唔駛成日login交易所都睇到自己加密身家。

In the context of must-have apps, a market data app (like CMC) and a portfolio tracker app (like CoinStats) serve different needs. CMC gives broad market view; CoinStats gives your market view. Enthusiasts typically use both. Money.com in their wallet piece even answered an FAQ on best portfolio apps, where CoinStats often gets mention alongside others, emphasizing that these tools help you make informed decisions and stay organized.

講必備app，市場數據app（例如CMC）同組合追蹤app（例如CoinStats）其實用處唔同。CMC係全市場宏觀睇法；CoinStats就係你自己嘅組合睇法。好多玩家兩樣都會裝。Money.com講介紹錢包嗰篇文都有提過最佳資產追蹤app，CoinStats經常被提名，強調呢啲工具幫你做決定嘅時候有依據，同埋令資產管理有條理。

Ultimately, if you’re juggling multiple crypto accounts, CoinStats can greatly simplify your life, making it worthy of inclusion in a top apps list. It’s unbiased (just shows your data), supports almost everything, and helps you be a more informed investor by showing your performance and allocations clearly. Keeping emotions in check is easier when you have clear data – and CoinStats provides that bird’s-eye view of your holdings.

總結，如果你有多個加密貨幣戶口，CoinStats真係可以幫你簡化晒資產管理，值得列入必裝app榜。佢唔會偏頗（純粹展示你嘅數據）、幾乎咩都支援，仲清晰地幫你睇晒自己表現同分布。數據通晒，你個心都定啲——CoinStats就係畀你一個睇晒全貌嘅資產控制台。

15. OpenSea – Top NFT Marketplace for Collectors and Creators

NFTs（非同質化代幣）嘅崛起，開拓咗加密世界一個新範疇，而OpenSea就係主導性嘅數碼收藏品買賣平台。對於任何對藝術、虛擬土地、收藏品或者任何代幣化資產有興趣嘅加密玩家嚟講，OpenSea都係必備平台。好多時都話OpenSea係「NFT界eBay」，呢個市場撮合咗幾百億美元嘅NFT交易，有數以百萬計數碼資產，網站同手機app都有（手機app適合瀏覽同追蹤，但交易功能有限）。截至2024年，OpenSea有超過240萬活躍用戶，歷史上佔咗NFT交易量嘅大多數。

Features: OpenSea supports NFTs on multiple chains, primarily Ethereum, and also Polygon, Klaytn, and lately expanding to Solana and others. Through OpenSea, you can browse millions of NFTs – from famous collections like CryptoPunks and Bored Ape Yacht Club to one-off artworks by independent creators. The app/website allows filtering by categories (art, gaming items, domain names, etc.), by collection, by price, and more.

功能：OpenSea支援多條鏈嘅NFT，主要係以太坊，亦有Polygon、Klaytn，最近再加埋Solana等。你可以透過OpenSea瀏覽數以百萬計NFT——由著名系列（如CryptoPunks、無聊猿BAYC）到獨立創作者嘅單件藝術品都有。app或網站都可以分門別類，例如藝術品、遊戲物品、域名等，又可以篩選系列、價格等。

Each NFT on OpenSea has its own page showing the artwork (or item details), its ownership history, metadata (like properties, traits of that item), and its trading history (previous sale prices). You can buy NFTs via fixed price listings (Buy Now) or place bids in auctions. OpenSea supports both ETH and other ERC-20 tokens as currencies (and on Polygon uses MATIC, etc.).

每個NFT都有獨立專頁，展示作品（或者物品細節）、擁有者歷史、元數據（如特性、屬性），同埋交易紀錄（成交價）。你可以用一口價（Buy Now）買NFT，或者以拍賣方式出價。OpenSea支援ETH同一系列ERC-20幣（用Polygon就係MATIC等）。

For sellers, OpenSea makes it easy to list an item from your wallet for sale and set a price or an auction. Creators can also mint NFTs and establish royalties (OpenSea supports creator royalties, meaning a percent of each secondary sale goes back to the original creator if set).

賣家方面，OpenSea好易操作，可以直接將錢包資產放盤，揀定價定拍賣都得。創作者仲可以自己鑄成NFT，定設版稅（OpenSea支援創作者分成功能，即係每次二手轉售都會有一定比例返畀原創作者）。

The OpenSea mobile app allows browsing and favoriting items, as well as linking your account to see NFTs you own (it’s more of a companion for viewing rather than a full trading app, due to mobile wallet limitations on iOS especially). However, via WalletConnect, you can connect a wallet and potentially trade.

OpenSea手機app可以用嚟瀏覽、收藏項目、綁定賬戶睇你擁有嘅NFT（主要係睇為主，唔係完整交易app，特別係iOS受限）。不過透過WalletConnect，有機會可以連接錢包做埋交易。

There’s also a profile and social aspect: you can follow other users, see their collections, and make your profile with a bio and links. Additionally, OpenSea offers stats like top collections by volume, new trending projects, and a rankings page showing which NFTs are hot (e.g., 24h or 7d volume leaders).

仲有profile同社交元素：可以追蹤其他用戶、睇佢哋藏品，自己profile都可以寫個人簡介加連結。OpenSea仲有數據睇（例如成交量最高嘅系列、新上架熱潮、排行榜，譬如24小時或7日交易榜等）。

Pros: Largest selection of NFTs and highest liquidity. As the first and biggest marketplace, OpenSea typically is where you’ll find the NFT you’re looking for. It has over $14 billion in total trading volume historically and once held about 90% of the NFT market share. Although competitors have emerged, OpenSea still sees the most activity on major collections. If you want to buy or sell an NFT, odds are OpenSea has the most buyers or listings for it, making it the best place to get a fair price quickly.

優點：NFT選擇最多、流通性最高。作為第一大同最早嘅市場，想搵某個NFT，OpenSea通常最齊。歷史總成交過140億美元，一度攬住成個NFT市場九成份額。雖然競爭對手多咗，但大系列最多活躍都仍然喺OpenSea。如果你想買賣NFT，OpenSea買家同賣家最多，通常最易搵到公道價。

OpenSea’s interface is quite user-friendly given the complexity of NFTs. It abstracts the blockchain stuff nicely: you can sign in with a MetaMask or other wallet and then it feels like a web marketplace — listing items, adding to a cart (for some assets), etc. They also added features like a “bulk transfer” or grouping items by collection.

考慮到NFT幾複雜，OpenSea介面做得好易用。區塊鏈操作都幫你簡化晒：用MetaMask等錢包login感覺就好似一般網上市場－可以上架、加入購物車（部分資產）、批量轉移、分系列顯示等功能都有。

For newcomers to NFTs, OpenSea is usually the first stop. It’s often recommended because it’s the hub to discover what’s out there. According to Investopedia, it “offers the ability to buy, sell, create, and trade” NFTs easily and “has more than 2.4 million active users”, marking it as the largest NFT marketplace.

新手通常第一站都係OpenSea，大家都推介，因為係發掘NFT世界嘅大本營。據Investopedia：OpenSea「可輕鬆買賣、創建及交易NFT」，並且已有超過240萬活躍用戶，堪稱最大NFT市場。

Another pro: Multi-chain support means lower fees via Polygon for example. If you want to experiment with NFTs without Ethereum’s high gas, you can use Polygon NFTs on OpenSea where listing and trading might be gas-free or minimal. OpenSea also integrated with the Immutable X layer-2 for gas-free gaming NFTs.

另一優點：多鏈支援，低手續費。例如用Polygon玩NFT就可以避開以太坊高gas，有得免手續費或好低成本。OpenSea都支援Immutable X層二，可玩免gas遊戲NFT。

OpenSea has also been reliable from a platform perspective (with the exception of occasional downtime during peak mania). They’ve improved security features like hiding suspicious NFT transfers (to combat airdrop scams) and allow users to unapprove smart contracts via the UI.

平台本身都幾穩定（只係有時熱潮會down），而且加咗好多安全功能，例如自動收埋可疑NFT空投（防騙）、界面可以幫你移除dApp / 合約授權等等。

Cons: Fees and Ethereum network costs. OpenSea takes a 2.5% fee on every sale. That’s quite steep compared to DeFi exchange fees, but in line with other NFT platforms. Additionally, transacting on Ethereum means paying gas: listing an item or buying it could cost tens of dollars in gas fees during busy times. This has improved with Ethereum upgrades and L2 adoption, but it’s still a factor. As a result, some NFT trading moved to other marketplaces or L2s to avoid fees.

缺點：手續費同以太坊gas。OpenSea每宗交易抽2.5%，比DeFi交易所高好多，但同其他NFT市場差唔多。另外，以太坊上做交易一定要畀gas，有時一單幾十蚊美金。雖然升級同Layer2改善咗，但都係一個要考慮嘅成本。所以有啲NFT交易轉去其他市場或Layer2避費。

Scams and counterfeit items are a challenge on OpenSea. Because anyone can mint and list NFTs, there have been many instances of fake collections or plagiarized art being sold. OpenSea has to play whack-a-mole with these: they have verification badges for big collections and will delist obvious fakes, but buyers have to be cautious that they’re buying the genuine item (checking things like the collection’s trading volume, verification status, or links from official project sites). There were also scams where people got phished and their NFTs stolen, then quickly sold on OpenSea. OpenSea has since added some safeguards (like disabling selling of known stolen items when reported), but controversy exists around how to handle stolen goods on a decentralized ledger vs platform moderation.

詐騙同假貨都係OpenSea一大難題。因為任何人都可以鑄幣上架，經常有假系列或者抄襲藝術品。OpenSea其實好似玩打地鼠咁，要靠大系列設定認證徽章，同時移除假貨，但買家都要小心自己買嘅NFT係咪真貨（例如查下系列成交量、認證狀態、睇下有冇官方網站連結）。都有啲釣魚/騙案令用戶NFT被盜即刻賤賣，報告咗之後OpenSea會禁止這些資產再次出售。不過平台改進後都仲爭論點處理去中心化帳本上嘅贓物同審查問題。

Another con: Customer support wasn’t great in the 2021-2022 boom (slow responses, etc.), although it has been ramped up. Still, if something goes wrong with a transaction or you accidentally do something, there’s limited recourse – it’s on-chain. OpenSea can sometimes “freeze” items (mark them as suspicious), but that’s it.

仲有一點，不利之處係2021-22年爆紅時客服服務比較慢，最近雖然加咗人手都仲係有限。好多銷售都係鏈上完成，如果真係有錯或者自己誤操作，其實個平台只可以「凍結」某啲可疑資產（標記為可疑），做唔到太多跟進。

Competition is heating up: platforms like Blur, LooksRare, etc. offered lower fees or token incentives, drawing away some volume. Serious NFT traders might use multiple platforms to get the best deal. But for an enthusiast, OpenSea’s breadth still makes it the go-to baseline marketplace.

競爭越嚟越激烈：例如Blur、LooksRare等新平台收費更低，有token獎勵，拉走咗唔少成交量。較認真的NFT炒家會同時用幾個平台。不過對大部分玩家，OpenSea咁闊大選擇，都係首選「基本盤」市場。

Finally, mobile app limitations: On iOS, you cannot purchase NFTs for real due to App Store rules (unless using WalletConnect externally). The OpenSea app is more for browsing. So, one might find the app lacking compared to the website or using a wallet’s browser. This is not OpenSea’s fault – Apple doesn’t allow in-app crypto payments of that sort. But it means the mobile experience is somewhat read-only (great for viewing your gallery though).

最後，手機app有限制：iOS上（因App Store政策）其實買唔到NFT（除非用WalletConnect連結外部錢包）。OpenSea手機app主要係用嚟瀏覽，不及網站或者用錢包Browser功能多。唔係OpenSea問題——係Apple唔畀app內加密貨幣付款。即係話手機體驗都係以睇藏品、展示為主（但觀賞自己gallery就幾正）。

Expert Opinion: OpenSea is widely regarded as the default NFT marketplace. CoinLedger’s experts listed OpenSea as the “Best NFT Marketplace” for those starting in NFTs, which aligns with the general view: if you want to get into NFT trading or collecting, OpenSea is likely your first stop. Investopedia’s article on OpenSea explains its leading position and massive user count, underscoring its dominance.

專家意見：OpenSea普遍都被認為係NFT入門市場首選。CoinLedger專家都話OpenSea係「最佳NFT買賣平台」，啱啱開始玩NFT一定會用。Investopedia介紹OpenSea時強調佢領導地位同巨大用戶基礎，堅定壟斷地位。

Media often cite OpenSea’s metrics to measure the NFT market health. For example, The Block or others report monthly 【原文未完，請告知續篇可再協助翻譯】volumes on OpenSea as a barometer (like "$70M in May 2025, representing 30% of NFT market"). It’s basically synonymous with the NFT boom of 2021; when Beeple’s $69M NFT sale happened (though that was on Christie’s), it helped shine spotlight that funneled masses to OpenSea to explore other NFTs.

OpenSea 上面的成交量成為一個指標（例如「2025年5月成交額達7千萬美元，佔據NFT市場30%」）。其實，呢個平台幾乎等同於2021年NFT熱潮；當年Beeple以6千9百萬美元售出NFT（雖然係Christie’s舉行），都令到好多人關注、然後吸引大批玩家湧入OpenSea探索其他NFT。

Security experts point out issues but also acknowledge OpenSea’s efforts to mitigate them. It’s a new terrain – handling user safety in a permissionless ecosystem is tricky. But the fact that even after competition, OpenSea retains a large user base indicates that its network effect and brand trust remain strong.

有保安專家指出過相關問題，但同時都認可OpenSea一直努力改善。其實，喺呢個無需許可的生態系統裡保障用戶安全的確好有挑戰。不過，雖然市場競爭激烈，但OpenSea依然可以保住龐大用戶基礎，證明到佢既網絡效應同品牌信譽依然強勁。

In conclusion, for a crypto enthusiast, especially one curious about or involved in NFTs, OpenSea is a must-have. It’s where you can browse virtually the entire NFT universe across many niches, trade items, and manage your NFT collections. The excitement of discovering a new piece of art or a trending collection often starts on OpenSea. Thus, it rightfully earns a spot among the top apps for crypto aficionados, broadening our list beyond just coins into the realm of digital collectibles.

總結來講，對於一個加密貨幣愛好者，尤其係對NFT有興趣或參與其中，OpenSea絕對係必備之選。用家可以喺上面瀏覽到幾乎全個NFT世界、涵蓋唔同細分領域，仲可以交易、管理自己既NFT收藏。發掘新作品或者熱門系列既喜悅，往往都係由OpenSea開始。所以，OpenSea名正言順成為加密圈必用app之一，令投資範圍由一般加密貨幣延伸到數碼收藏品領域。