2025年應該用邊款EVM錢包？13款最安全、多鏈同適合新手嘅熱門選擇

去到2025年，以太坊虛擬機 (EVM) 生態系急速擴展，加密錢包已成為Web3世界嘅關鍵入口。全球活躍加密錢包用戶超過8.2億，大約佔全球互聯網用戶7.4%，反映自我託管同去中心化金融已被廣泛接受。

呢個增長亦推動錢包產業爆發：預計2025年全球加密錢包市場規模將達到約190億美元，2029年有望突破550億美元，隨住用戶需求急升。簡單講，錢包而家已唔再係小眾工具，而係進入區塊鏈服務嘅主流通道。

現代錢包唔只係儲存加密貨幣，更加係你通向Web3世界嘅護照——用戶可以登入去中心化應用（dApp）、DeFi協議、NFT等。錢包就係普通用戶接觸區塊鏈網絡嘅第一站，所以佢嘅設計同功能至關重要。2025年，要揀到合適嘅錢包越嚟越重要。因為選擇多，邊隻錢包會直接影響你嘅加密體驗，包括安全性、易用度、以及支援咩網絡同服務。

幾大趨勢強調點解揀錢包好重要。多鏈操作創歷史新高，EVM錢包唔單止連接以太坊，仲可以串連Layer-2網絡及側鏈（如Polygon、Arbitrum、Optimism、Base等），甚至連接非EVM區塊鏈。用戶要求都提高咗——今日用加密嘅人都期望有指紋登入、一鍵兌換代幣、順暢dApp瀏覽等功能，唔再係早期錢包果種單一用途。

同時，幾宗大型安全事故同騙案，令保安功能同信任度成為用戶最緊張嘅事。Web3有望喺今個十年吸引幾億新用戶，揀啱錢包——唔論係新手易用、定係專業玩家功能全面——對於確保安全和順暢參與加密經濟至關重要。

呢份全面指南會深入剖析現時EVM錢包生態：EVM錢包如何由簡單密鑰儲存工具，進化到現時成熟嘅Web3多功能中心？而家揀錢包要睇啲咩？而唔同用戶（新手、DeFi老手）各自適合用邊啲頂級錢包？我哋仲會睇吓常見安全風險同錢包點樣預防，以及展望錢包新潮流（如Account Abstraction、社交恢復）如何改變未來。無論你係第一次用以太坊錢包，定係想要多鏈、進階功能，本指南都幫你做足比較、做最好決定。

咩係EVM錢包？點樣演變落嚟？

EVM錢包係管理你區塊鏈賬戶（公私鑰匙）、令你可以操作EVM網絡嘅應用程式。實際嚟講，EVM錢包可以幫你儲存同轉賬ETH、管理代幣（ERC-20、ERC-721 NFT等）、並簽署交易去使用以太坊及兼容鏈上嘅各種去中心化應用。無論係手機App、瀏覽器插件、硬件裝置都好，都係用戶與區塊鏈互動界面。

佢地主要職責係安全保管你私鑰（一般以12至24字種子短語做備份），用你私鑰為交易簽名，證明資產屬於你。某程度上，Web3錢包既係一個私鑰保險庫，亦都係Web3瀏覽器——幫你進入DeFi、NFT、遊戲等去中心化世界。

EVM錢包演變：過去十年錢包功能同體驗大幅升級——

第一代（2011-2015）：基本密鑰儲存。當時比特幣錢包多數好原始，好多要打指令行，淨係得簡單收發幣功能。當時無dApp、智能合約概念，安全性低（有啲甚至開頭預設都無加密），操作困難，出錯可以損失所有資產。
第二代（2016-2021）：多鏈支援、瀏覽器插件。隨住以太坊帶來智能合約同代幣，錢包變得多功能。開始支援多條鏈、用家可以一個介面管理多種資產、串連唔同區塊鏈。2016年MetaMask誕生，開創咗插件錢包新時代，令用戶可以直接用瀏覽器接入Web3應用。呢個時期，錢包開始有基本代幣兌換同資產目錄功能，不過仲主要靠傳統種子詞備份，對新手嚟講講解手續費同網絡設定依然有難度。到2021年，MetaMask、Trust Wallet等已帶住幾百萬用戶進軍DeFi、NFT市場，但漏寫種子詞、釣魚風險等問題開始浮現。
第三代（2022至今）：智能錢包同Account Abstraction。他家最新潮流係將錢包做得更智能、更貼近用戶需求。多虧Account Abstraction（以太坊ERC-4337為代表），錢包可以由單純外部密鑰對，升級成智能合約賬戶，帶來過去無辦法做到嘅功能，例如：

社交恢復：如果你唔見咗錢包，可以靠信任嘅朋友或其它途徑攞返，不用只靠種子詞。

可編程安全：如多重簽署（例如要兩部機/兩人同時同意），每日限額，按你需要設定。

批量交易：一次落鏈執行多步操作，慳手續費又簡化流程。

手續費抽象：可以用唔同代幣、甚至由dApp幫你代付，唔使成日留ETH做Gas。

無縫登入體驗：新一代錢包支援生物認證或一鍵登入（如用Google/Apple賬戶），用戶無需見到私鑰，種子詞都唔使記，體驗好似用普通App咁簡單。

2023年以太坊主網正式引入ERC-4337，令智能帳戶入場。2024年Safe（前稱Gnosis Safe）、Argent等項目已經證明Account Abstraction唔係紙上談兵，而係真實應用，而且已經吸引到幾百萬用戶。隨住Account Abstraction普及，錢包終於做到高度安全又易用嘅「Web2體驗」。

今日最前沿嘅錢包如Walllet.com（加咗個「l」）底層其實用緊智能合約帳戶，再配合手機硬件級保安，連種子詞都唔需要睇到。主流錢包亦不斷擴充功能：例如果MetaMask引入Snaps插件系統，已經支援非EVM鏈（如Solana、Cosmos）同新功能，不再只限於以太坊，走向多鏈一體。

對用戶嚟講，所謂「EVM錢包」定義已經好闊──無論係MetaMask嗰啲瀏覽器插件、如Argent咁嘅手機智能錢包（支援社交守衛）、或係硬件錢包裝置，都屬於EVM錢包生態嘅一份子。進化方向就係更好用、更安全、更靈活。

2025年最新型錢包，你可以用指紋登入、App內一鍵跨鏈兌換代幣、自動阻擋可疑交易，完全同2015年嘅簡單錢包不可同日而語。放眼將來，以太坊主網升級（如2025年Pectra更新引入EIP-7702），就連傳統外部賬戶都可本地支援更多智能錢包功能，預示Account Abstraction及加強版功能會變成新常態。

總結，EVM錢包已由原始密鑰管理工具，升格成多功能、安全可編程、支援多鏈嘅個人金融中心。接住落嚟，我哋會再分拆2025年最值得考慮嘅錢包評選重點。

2025年EVM錢包評選核心準則

市面加密錢包林林總總質素參差，揀錢包一定要知點樣比較。2025年建議留意幾個重點——

多鏈兼容 & dApp 支援：錢包支援你要用嘅鏈同代幣夠唔夠多？2025年合格嘅EVM錢包應該可以流暢切換以太坊主網、多條Layer-2（如Arbitrum、Optimism、zkSync、Base）同其它EVM兼容鏈。有啲仲容許手動加入自訂RPC，方便連接新EVM鏈或測試網。dApp支援亦好重要——錢包插件或內置瀏覽器要可以無縫連接DeFi、NFT等dApp。例子：Trust Wallet支援超過100條鏈同數百萬種資產，MetaMask嘅Snaps插件功能令佢甚至可以擴展到Solana、Cosmos等非EVM生態，邁向多鏈通用錢包。
安全架構（密鑰、恢復、集成）：錢包點保護你私鑰…… keys, and what happens if you lose access? Security is paramount: look for features like biometric locks (face/fingerprint ID to open the app), PIN codes, and the ability to connect hardware wallets for transaction signing. Hardware wallet compatibility (with devices like Ledger or Trezor) is a big plus, as it enables an extra layer of security by keeping keys offline. Evaluate the wallet’s recovery options: Traditionally, non-custodial wallets use a 12–24 word seed phrase – extremely secure if kept offline, but also a single point of failure if lost or stolen. Newer wallets offer alternatives like social recovery (assigning “guardians” who can approve your account reset, as in Argent’s guardian system)or MPC (multi-party computation) schemes (splitting the key into parts, as in ZenGo’s keyless wallet). Some wallets (e.g. Walllet.com) completely eliminate seed phrases by using device-native passkeys: your Apple/Google secure enclave generates and stores the key, unlocking it via biometrics, and syncing to new devices via your cloud login. When evaluating security, also consider open source vs. closed source. Open-source wallets like MyEtherWallet (MEW) allow the community to inspect code for vulnerabilities, whereas closed-source wallets rely on security through obscurity (though many undergo third-party audits). Additionally, built-in phishing protection or transaction simulation features are valuable for security (more on these in the Security section). In short, the best wallets in 2025 either maintain a simple but safe seed phrase approach with hardware support, or they innovate with smart-contract safety nets and modern recovery methods to help prevent user mistakes.
鑰匙，如果你失去存取權限會有咩後果？安全性係極為重要：你要搵有生物認證（面容/指紋打開App）、PIN碼，仲有支援連接硬件錢包去簽署交易嘅功能。硬件錢包（如Ledger或Trezor）兼容性係一大優點，因為可以將私鑰離線儲存，加強多一重保護。要評估錢包嘅復原方式：傳統非託管錢包會用12至24個字嘅種子詞 — 只要你keep得好（離線），安全度非常高，但一旦遺失/被偷都會變成單點失敗。新一代錢包有其他方案，例如社交復原（設有「守護者」，等你reset戶口時由信任人批准，好似Argent嘅守護者系統）或者MPC（多方計算技術，將key分割多份，ZenGo嘅免鑰匙錢包就係咁設計）。有啲錢包（例如 Walllet.com）乾脆完全唔用seed phrase，而係憑裝置自己嘅passkey：你嘅Apple/Google安全區產生同儲存私鑰，用生物認證去解鎖，仲可以經cloud登入喺新裝置同步返。評估安全時亦要諗下開源同閉源：開源錢包（如MyEtherWallet MEW）容許社群查閱程式碼，發現漏洞；閉源錢包就重保密（但好多都會接受第三方審計）。另外，內置釣魚防護或交易模擬都係加強用戶安全好有用嘅功能（下文有詳述）。總括嚟講，2025年最好用嘅錢包，不是堅持簡單安全、有硬件支援嘅seed phrase方案，就是用智能合約同新復原方法創新防止用戶誤操作。
Gas Management & Account Abstraction Features: How does the wallet handle transaction fees and advanced transaction types? With Ethereum fees sometimes spiking and usability issues around gas, many wallets now incorporate features from the account abstraction realm. One major convenience is the option to pay gas fees in tokens other than ETH – for example, using a stablecoin or an ERC-20 in your wallet to cover transaction fees. Wallets leveraging ERC-4337 smart accounts can enable this flexibility. Batched transactions (sending one transaction that does multiple things, like swap on a DEX then deposit into a farm) are another power feature – some smart wallets and certain dApps allow this, saving time and gas. Gas optimizations are also common: for instance, a wallet might let you choose “sponsor gas” via a third-party or dApp (often called gasless transactions), where you sign but someone else (or a relay service) pays the fee – useful for onboarding new users. The Gas Station Network and other meta-transaction services are increasingly integrated. MetaMask has introduced features like Smart Transactions to attempt gas price optimization and auto-retry failed transactions. If you’re an active DeFi user, look for a wallet that at least warns about high gas or lets you adjust gas with advanced controls. In summary, wallets that incorporate account abstraction tend to offer more graceful handling of gas (flexible payment, sponsored gas options, etc.), which can greatly improve the user experience in 2025’s multi-chain, high-activity environment.
Gas管理同賬戶抽象功能：個錢包點處理交易手續費同進階交易類型？以太坊收費成日有波幅，加上Gas體驗唔理想，依家好多錢包都加咗賬戶抽象相關功能。其中一個最方便新手嘅功能係：唔一定要用ETH交Gas——可以用錢包入面嘅穩定幣或者ERC-20 Token去支付，例如ERC-4337智能賬戶就做到咁彈性。仲有一啲叫Batched Transaction（一單交易做多樣嘢，好似一click換Token再入Yield Farm），智能錢包同特定dApp都可以support，慳時間又慳Gas。Gas優化亦愈來愈普及：例如允許用第三方/ dApp幫你Sponsor Gas（即你只負責簽名，其他人或中繼服務幫你付款，俗稱Gasless Transaction），特別啱新手入門。Gas Station Network同Meta Transaction都已大量整合。MetaMask最近加咗Smart Transaction功能，都係為咗自動優化價格同失敗重試。如果你係DeFi活躍用戶，最少都應該揀一個會提示高Gas/讓你自行調整gas額嘅錢包。總結，支援Account Abstraction嘅錢包會有更好Gas管理體驗（彈性支付、sponsor功能等），對2025年多鏈繁忙環境嘅用戶會方便好多。
User Experience (UX) and Onboarding: Is the wallet intuitive and beginner-friendly? A wallet can have all the features in the world, but if the interface is confusing, users will struggle. Key UX factors include: ease of setup, clarity of navigation, and reducing clutter for new users. For beginners, wallets that offer a guided setup or skip the scary “write down your 24-word seed” step (by using email, social login, or device-backed keys) have a huge advantage in onboarding. Many modern wallets implement educational prompts and safety reminders in-app – for example, warning users about not sharing their recovery phrase. Additionally, features like an integrated dApp browser (common in mobile wallets) can make life easier by letting users find and interact with Web3 apps without leaving the wallet. UI design is also crucial: some wallets like Rainbow gained popularity largely due to their clean, attractive interface that demystifies crypto collectibles and token holdings for newcomers. Rainbow’s approach to showing real-time token prices and NFT images exemplifies how visual design can enhance usability. Another UX consideration is seed phrase management: does the wallet offer to encrypt and back up your seed to cloud (with a password) as a convenience? While purists may avoid cloud backups, for some users this balances security with risk of personal error. Similarly, social recovery features double as UX features – being able to reset your wallet through trusted contacts or an email link can make users feel more confident in trying self-custody. In evaluating wallets, consider your comfort level: some wallets are “power tools” with many options and require more knowledge, whereas others streamline everything for ease (sometimes at the expense of fine-grained control). Ideally, a wallet provides a simple onboarding flow and a logical layout of features (tabs for tokens, NFTs, settings, etc.), with the ability to grow into advanced features as the user learns.
用戶體驗（UX）同入門流程：個錢包易用同唔易上手？功能幾多都冇用，如果設計混亂，新手一定頭痕。最關鍵UX因素包：設定流程簡單、導航清楚、功能不拖泥帶水。對初學者嚟講，如果可以引導setup，甚至唔使即刻記低24字seed（例如由email、社交登入或者裝置Key取代），入門會容易好多。好多新錢包仲內建安全教育提示（例如提醒你唔可以分享復原詞），好貼心。仲有一個重要功能係內嵌dApp瀏覽器（流動版錢包常見），用戶可以直接搵Web3應用同互動，唔使離開錢包。UI設計好重要，例如Rainbow就因為外觀簡潔易明、將Token/NFT顯示易用，吸納咗唔少新手。Rainbow會show即時Token價格、NFT圖，正正體現設計改善易用性。種子管理亦係一點：有冇得用密碼加密Seed、『一鍵備份上雲端』？雖然有啲資深用戶唔信Cloud Backup，但平衡人為錯誤風險對某啲人係有用。至於社交復原功能都等如UX：可以搵信得過朋友幫手reset，或者用電郵link重置，可以提升自管信心。揀錢包時要諗自己用落舒唔舒服：有啲係「功能機」需識多啲，有啲功能一切從簡（但控制權會被隱藏）。最好係onboarding又易，功能分頁（Token、NFT、設定等）有條理，用多咗可以再慢慢開啟進階模式。
Features for Power Users & Developers: Does the wallet offer advanced functionality that experienced users demand? If you plan to be very active in DeFi, NFTs, or development, certain wallets cater to you with niche features:
進階用戶&開發者功能：錢包有冇啲資深玩家必備進階功能？如果你係玩DeFi/NFT/開發好積極，有啲錢包針對性提供罕見但實用功能：
Plugin or Extension Ecosystems: MetaMask’s Snaps is a prime example – it allows third-party modules to extend the wallet’s capabilities (adding new blockchains, adding an alert system, etc.). Similarly, Rabby wallet integrates pre-transaction simulations and an allowlist of contract interactions for safety. These kinds of extensibility and safety plugins appeal to experts.
插件／擴展生態：MetaMask「Snaps」係好例子—可加第三方模組，擴展功能（例如加新鏈、警報系統等）。Rabby都會集成交易前模擬、合約白名單審核等，令資深用戶更放心。可擴展性/安全插件絕對迎合專家市場。
DeFi Tools: Some wallets come with built-in token swap aggregators, yield farming dashboards, or portfolio trackers. For instance, Coinbase Wallet’s mobile app has a dApp explorer and one-tap access to DeFi lending and swapping on its integrated networks. Other wallets like Zerion (a DeFi-focused wallet) prioritize portfolio management features. If you’re a trader, you might value a wallet that shows price charts, supports limit orders or connects easily to DEX aggregators.
DeFi工具：有啲錢包原生支援Token Swap集成、Farm Dashboard、Portfolio追蹤。Coinbase Wallet手機App有dApp搜尋器，一click做DeFi借貸/交換。Zerion主打portfolio管理。你係Trader，可能會想錢包有價圖、限價單、直連DEX。
NFT Management: Power NFT collectors might prefer wallets that support NFT galleries with metadata, filter options, and direct marketplace integration. Phantom (originally Solana-focused but now multi-chain) is known for its slick NFT interface where you can see images and attributes right in the wallet.
NFT管理：資深藏家可能會鍾意Gallery功能齊全、有Metadata、Filter、直接玩市場。Phantom（本來Solana主打，依家都多鏈）NFT體驗就好順，好多資料即時睇。
Custom Network RPC and Developer Modes: Advanced users often need to connect to testnets or custom networks. Wallets like MetaMask and MEW allow adding custom RPC endpoints and even local blockchain networks – essential for developers.
自定RPC/開發者模式：資深用家慣用測試鏈、自訂網絡。MetaMask同MEW畀你加自家RPC、本地鏈，非常啱開發。
Smart Contract Wallet Support: If you use multi-sig wallets like Safe (Gnosis Safe) or other contract wallets, check if the wallet app supports importing or controlling those. Safe’s own interface is specialized, but some general wallets can watch or manage Safe accounts. Likewise, some wallets are integrating account abstraction by default – e.g. providing an option to create an ERC-4337 smart account. Power users may want to experiment with these for features like sponsored gas or multi-factor security.
智能合約錢包支援：用Safe（前稱Gnosis Safe）多簽戶口/其他智能合約錢包，要睇下有冇得import/管理。Safe自己有界面，部分普通錢包都支援閱讀/管理Safe帐户。另有啲已自帶賬戶抽象，例如可直接開ERC-4337賬戶。資深玩家可試玩sponsor gas、MFA等新功能。
Infrastructure and API access: Developers might appreciate if a wallet offers an API or SDK for integration, or if it’s compatible with dev tools. (For example, Frame and MetaMask can both be used with local dev environments and have public APIs for plugins.)
基礎設施/API：開發者會留意可用API/SDK或能否接駁定制開發工具，例如Frame & MetaMask 都能配合本地Dev環境、Plugin介面等。

In short, consider what extras you might need. Casual users might not care for these, but if you foresee needing them, choose a wallet that doesn’t box you in. Many users end up using multiple wallets for different purposes (one simple mobile wallet for daily use, another power-user wallet for complex DeFi, plus maybe a hardware wallet for storage). The good news is 2025’s wallet landscape has something for every niche – from ultra-simple mobile wallets to “Swiss-army knife” power wallets. In the following sections, we’ll look at specific wallet recommendations by user type, which will highlight how these criteria play out in real products. 簡言之，諗清楚你需要啲咩進階功能——平時用唔到都唔緊要，但未來要用時最好錢包唔好set死你用法。大部份人最終都會多錢包共用（平時一個簡單流動錢包，進階另用一個，存倉再用硬件錢包等）。好消息係2025年錢包市場已經好齊全——由極簡單手機錢包，到「瑞士刀」級進階錢包乜都有。下面我哋會根據用戶分類推介具體錢包，實測上面啲準則如何落實。

Wallet Tiers: Beginner-Friendly Options

Not everyone using crypto in 2025 is a DeFi degenerate or protocol engineer. In fact, a huge wave of newcomers is entering Web3, and they need beginner-friendly wallets that emphasize ease of use, safety, and a gentle learning curve. These wallets prioritize an accessible experience: simple setup, intuitive design, and features to protect users who may not be familiar with private keys or gas fees. Here are some of the top EVM wallet options geared toward beginners:

錢包分級：新手易用之選

唔係每個2025年玩Crypto嘅人都係DeFi狂熱份子或協議工程師。事實上而家Web3新手入場潮勢不可擋，佢哋需要上手易、安全、無壓力的新手友好錢包。呢啲錢包著重用戶體驗：設定簡單、介面直觀、仲有一系列功能幫助未必熟悉私鑰/gas fee嘅人。以下就有幾款最啱EVM鏈新手用嘅選擇：

Walllet.com – Seedless Smart Wallet for Everyday Users

One of the most innovative newcomers in this category is 【Walllet.com】 – a non-custodial wallet that does away with seed phrases entirely. Instead, Walllet.com leverages passkey technology (through Apple’s iCloud Keychain or Google Password Manager) to generate and store your private key inside your device’s secure hardware module. The result is a login experience very much like a Web2 app: you sign up via your Apple or Google account, secure it with Face ID or fingerprint, and never have to write down a recovery phrase. If you get a new phone, you simply log in with your Apple/Google account and your wallet is securely restored in the new device’s hardware enclave.

Under the hood, Walllet.com is a smart contract wallet using ERC-4337 account abstraction – meaning it can offer nice perks like paying gas fees in any token and setting daily transfer limits. But the complexity is hidden from the user. From a beginner’s perspective, Walllet.com feels like using a familiar banking app, while still giving you full self-custody (the keys live on your device, not with Walllet). It

Walllet.com – 日常用家專屬完全無Seed智能錢包

呢類最創新嘅新手錢包之一係【Walllet.com】——一間完全放棄seed phrase嘅非託管錢包。Walllet.com用咗passkey技術（透過Apple iCloud Keychain或Google Password Manager）生成同存儲你嘅私鑰於裝置安全硬件區。結果係，個登入體驗好似Web2 App咁：你用Apple／Google戶口註冊，然後用Face ID／指紋加密保護，完全冇需要抄低種子詞。換新手機都唔使驚，只要用Apple/Google戶口login，你錢包就會係新機個Hardware Enclave度自動安全重裝出嚟。

背後其實Walllet.com係用ERC-4337賬戶抽象技術打造嘅智能合約錢包——即係可以做到係任何Token支付Gas、設每日限額等進階功能，但成套複雜流程都屏蔽曬俾新手。新嘅用戶用落會感覺好似用緊傳統銀行App，但事實全自主管理（私鑰係裝置入面，唔係儲喺Walllet）。also has a strong focus on UI simplicity and “daily transactions” convenience. By eliminating the most daunting part of crypto (managing secret keys) and using a login that people are already comfortable with, Walllet.com dramatically lowers the barrier to entry.

同時十分著重用戶介面簡潔同「日常交易」嘅方便。佢透過消除管理私鑰呢個最令人卻步嘅加密貨幣部分，並且用大家已經熟悉嘅登入方法，Walllet.com 大大降低咗入門門檻。

The trade-off is that you are depending on Apple/Google for account access – so it’s a slightly different trust model – but you are not surrendering control of funds to any company, as the wallet remains non-custodial. For new users who want to dip their toes into crypto without the fear of losing a piece of paper (the seed phrase), this approach is compelling. Walllet.com is quite new, but it exemplifies the 2025 trend of user-friendly “smart” wallets for the masses.

但相對地，你會依賴 Apple/Google 嚟取回帳戶——所以信任模式同傳統有少少唔同——不過你啲資產都唔會交到任何公司手上，因為錢包本身係非託管（non-custodial）。對啲驚會唔見紙（種子詞）但又想試下加密貨幣嘅新手嚟講，呢個方法其實幾吸引。Walllet.com 算係新出產品，但就好切合 2025 年主流大眾化、易用「智能錢包」嘅趨勢。

Coinbase Wallet (Base App) – Easy On-Ramp from Web2

For users who prefer a familiar name and seamless integration with fiat services, Coinbase Wallet is a top pick. This is the non-custodial wallet provided by Coinbase (distinct from the Coinbase exchange accounts). What makes Coinbase Wallet beginner-friendly is its smooth onboarding and ties into the Coinbase ecosystem. If you have a Coinbase exchange account, you can easily transfer assets to your Coinbase Wallet app. The wallet’s interface is clean and straightforward, avoiding overly technical jargon.

對於想用熟悉品牌同要無縫連接法定貨幣服務嘅用戶，Coinbase Wallet 係其中一個最佳選擇。呢個係 Coinbase 提供嘅非託管錢包（同 Coinbase 交易所帳戶唔同）。Coinbase Wallet 做得新手友善，一來上手流程順暢，二來連得返 Coinbase 呢個生態圈。如果你有 Coinbase 交易所帳戶，可以幾容易就將資產轉過去 Coinbase Wallet。個錢包介面都好簡潔直接，唔會有太多高深術語。

It supports Ethereum, EVM chains, and especially Coinbase’s own Layer-2 network Base – in fact, the app provides one-tap bridging to Base L2 so new users can experience faster, cheaper transactions. There’s also a built-in dApp browser/explorer that highlights decentralized apps and even NFTs. Coinbase Wallet’s design philosophy is to bring self-custody to those who may be used to more traditional finance apps, and it shows: things like fiat on-ramps are integrated (you can buy crypto with a card or bank, then use in-wallet), and the app will warn you if you’re about to do something risky. It even supports social logins to back up your wallet (using cloud backup of an encrypted key, optional). Because Coinbase is a regulated and well-known company, beginners might feel an extra layer of confidence using their wallet.

佢支援 Ethereum、EVM 系鏈，尤其 Coinbase 自家 Layer-2 網絡 Base——仲可以一按橋接過去 Base L2，等新手可以快啲試到平啲嘅交易。錢包內置去中心化應用（dApp）瀏覽器／探索器，連 NFT 都 highlight 埋。Coinbase Wallet 嘅設計理念係：等用開傳統金融 app 嘅人都可以輕鬆掌握自托管概念。例如有接駁法幣入金渠道（用卡或者銀行買加密貨幣，再即刻錢包用），如果你做緊危險操作都會出警告。更支援社交登錄備份錢包（用加密私鑰雲端備份，可選）。因為 Coinbase 係正規受監管、又夠大品牌，新手用佢個錢包會多分安心。

On the flip side, Coinbase Wallet is slightly more closed ecosystem than others – it’s optimized for use with Coinbase’s exchange and networks, and some features (like swapping or staking) may route through Coinbase services with fees. Also, as a U.S.-based product, it abides by compliance measures (it won’t show you outright scam tokens, for example, which is good for beginners). Overall, Coinbase Wallet is a great stepping stone for someone moving from a centralized exchange to the self-custody world, providing a lot of hand-holding and integration while still handing the user the keys. It’s available as a mobile app and browser extension, and it’s free to use (aside from network fees and some in-app swap fees).

相反，Coinbase Wallet 算係比較封閉生態圈——佢做得最優化係配合 Coinbase 交易所同自家網絡，一啲功能（例如換幣、質押）都會行 Coinbase 自己服務，可能要收返手續費。同時作為美國產品，有啲合規限制（例如詐騙幣種唔會畀你見到，對新手嚟講都係好事）。整體嚟睇，Coinbase Wallet 幾適合作為由中心化交易所轉自管錢包嘅「過渡」，又多貼心支援，但最終都由用戶自己掌控私鑰。有手機 app 同瀏覽器插件版，而且用唔使錢（除咗鏈上手續費同部分應用內手續費）。

Exodus – User-Friendly Multi-Asset Wallet

Exodus has long been known for its beautiful design and beginner-oriented approach. It’s a non-custodial wallet that supports multiple blockchain networks (not just EVM, but also others like Bitcoin, though here we focus on its EVM capabilities). Exodus’s interface is often praised for being welcoming to newcomers: it has a visually appealing dashboard with charts of your portfolio, a built-in token swap feature, and even the ability to stake certain assets through partner integrations. The wallet is available on mobile and desktop, and it syncs your wallet across devices using an email and password (encrypted backup) – which many beginners find reassuring.

Exodus 一向以精美設計同新手導向聞名。佢係多鏈非託管錢包（唔止得 EVM，連 Bitcoin 等等其他主流鏈都支援，雖然呢度主講佢 EVM 功能）。Exodus 介面好受歡迎，專為新用戶設計，有好睇嘅資產圖表總覽，內置即時換幣功能，仲可以透過合作方做部分幣種質押。佢有手機同電腦版本，可以用電郵加密碼（加密備份）同步裝置，對好多新手嚟講多分信心。

On the EVM side, Exodus supports Ethereum and popular EVM chains, allowing users to hold ETH and ERC-20 tokens, and interact with dApps through the Exodus browser or by connecting Exodus to dApps as a wallet provider. One of Exodus’s strengths is education and support: it provides explanatory info for each feature and asset, and their support is known to be responsive, which is important for newcomers. Security-wise, Exodus is non-custodial (keys are on your device), but note that Exodus is closed-source software, meaning the code isn’t open for public auditing. This has been a conscious trade-off by Exodus to maintain a polished product, but advanced users might shy away for that reason. For a beginner, however, the trust in the brand and the ease of use often outweigh that concern.

EVM 層面，Exodus 支援 Ethereum 同幾條主流 EVM 鏈，方便用戶存 ETH、ERC-20 幣，同時可以用 Exodus 瀏覽器玩 dApp，或者當作錢包連接出去。一大特色係教育同支援：每個功能/資產都有解釋資訊，客服回覆同樣得新手口碑。安全方面，Exodus 用戶私鑰儲存在自己裝置，不過錢包係封閉源碼，外界睇唔到底層代碼，有啲老手會介意。不過新手成日都係信品牌同易用，呢點通常唔係大問題。

Exodus does not require users to manually deal with seed phrases during normal use – you set a password and get a recovery phrase which you should write down, but the app tries to abstract it away in day-to-day operation. In short, Exodus is a simple, all-in-one wallet that provides a gentle introduction to crypto, combining multi-asset support with one of the most attractive and user-friendly designs in the industry. It’s an ideal starting wallet if you want to manage a variety of coins and NFTs without diving into more complex tools right away.

Exodus 平時唔使你成日撩住啲種子詞——係開設時設定密碼，會畀你抄底復原詞，但日常操作刻意幫你模糊細節。總結：Exodus 係個簡單易用、一站式錢包，設計吸引，新手學加密貨幣唔會有壓力，支援多款資產同 NFT，無須一開始就搞啲複雜工具，係入門好選擇。

Rainbow – Colorful Ethereum Wallet for Beginners (and NFT Lovers)

For those primarily interested in Ethereum (and its Layer-2s) and especially if you are drawn to the world of NFTs, Rainbow is a highly approachable mobile wallet. Rainbow focuses on Ethereum and EVM-compatible networks and is designed with a fun, vibrant UI that makes crypto feel less intimidating. When a new user opens Rainbow, they’re greeted with a slick interface that showcases tokens with logos, shows NFT collectibles with images, and even has features like real-time price charts. Rainbow abstracts a lot of the jargon – for instance, it might describe things in simpler terms or use emojis and color coding to make the experience more engaging. It also has a built-in swap feature leveraging DEX aggregators so that newbies can exchange tokens without visiting an external DEX site.

若果你主要探索 Ethereum（同佢啲 Layer-2），特別鍾意 NFT 世界，Rainbow 絕對係親民得嚟又好玩嘅手機錢包。Rainbow 主打 Ethereum 同各 EVM 兼容鏈，UI 咁色彩繽紛設計，會令新手冇咁怯。第一次開 Rainbow，一眼已經感受到用戶介面流暢，幣有 logo，NFT 收藏品有圖片，仲有即時價格圖表。佢抽象咗好多行內術語，例如描述會簡單啲，唔少地方用 emojis 或顏色分類俾你易啲明白。而且內建換幣功能，整合 DEX 聚合平台，你無需到外面 DEX 網站都可以直接換幣。

For NFT enthusiasts, Rainbow is great: it displays your Ethereum NFTs in-app with metadata, and it can connect directly to NFT marketplaces. Another beginner-friendly aspect is Rainbow’s emphasis on security by design: it’s non-custodial but integrates WalletConnect for dApp usage, meaning you often don’t have to copy-paste addresses (reducing phishing risk). They have also been experimenting with ENS domain integration – e.g. letting users see human-readable addresses. While Rainbow does require a seed phrase backup like most wallets (no fancy social recovery here yet), it tries to make the process as painless as possible with good UX. The wallet is mobile-only at the moment, so it’s for users comfortable using their phone as their primary crypto device.

鍾意 NFT 嘅人用 Rainbow 會好舒服：你啲 Ethereum NFT 可以喺 app 即時睇埋 metadata，亦可以直接連到 NFT 市集。安全設計都幾新手友善：非託管之餘亦用 WalletConnect 連接 dApp，用戶唔使抄地址（有效防止釣魚）。團隊亦開始試驗 ENS 網域整合，例如比用戶睇到易記地址。雖然 Rainbow 都似其他錢包要你備份種子詞（未有社交恢復），但 UI 設計得盡量簡單唔煩。依家只限手機版，適合長用電話管加密資產嘅人。

The main limitation is that Rainbow, as of 2025, is focused on Ethereum/L2s and not a multi-chain wallet for other ecosystems. But for a beginner who is mostly exploring Ethereum-based apps and NFTs, Rainbow provides an arguably best-in-class user experience, striking a nice balance between playful and informative. It proves that a beginner wallet can be both easy and fully functional – you’re holding your own keys, interacting with DeFi, but it feels accessible. As an added bonus, Rainbow has a community vibe; they even plan features like a RNBW token for community rewards, which hints at how wallets are building loyal user bases.

最大限制係 Rainbow 到 2025 年仍然係圍繞 Ethereum/L2，唔係多鏈生態錢包。不過對多數剛入門、專注玩 Ethereum 應用同 NFT 嘅用家，Rainbow 都可謂用戶體驗數一數二，玩味與資訊兼備。充分證明入門錢包可以又易用又齊功能——你自己持有私鑰，可以玩 DeFi，感覺又親切。Rainbow 社群氣氛強，仲有計劃好似推 RNBW 代幣獎勵社群，反映錢包正慢慢經營忠誠用戶。

Other honorable mentions:

MetaMask itself is often a beginner’s first wallet simply due to its ubiquity – almost every dApp supports MetaMask. While MetaMask’s interface isn’t the simplest (especially when dealing with custom networks or gas settings), countless tutorials exist, and a reasonably savvy beginner can get started with it as well. However, MetaMask truly shines more for intermediate users, so we’ll discuss it more later. Another mention is Argent – though Argent is quite feature-rich, it was designed mobile-first with no seed phrase (uses guardians for recovery) and thus is another newbie-friendly smart wallet option on Ethereum (particularly on Layer-2 networks).

MetaMask 本身都成日做新手第一個錢包，因為實在太普及，差唔多全部 dApp 都支援。雖然 MetaMask 介面唔算最簡單（特別係要設自訂網絡或者 Gas 設定），但教學一大堆，有科技冷知識嘅 beginner 都可以慢慢上手。不過，MetaMask 更適合中階用戶，之後再詳細講。還有 Argent —— 雖然功能多，但本來設計就係手機先行、無種子詞（採用 guardian 社交恢復），所以都係以新手同 Layer-2 用戶為主的「智能錢包」選擇。

And if you are absolutely not ready for self-custody, some beginners start with custodial wallets (like keeping coins on a Binance or Kraken account, or using something like Blockchain.com’s custodial wallet). Those are easy to use since they’re basically like logging into a website – but remember, “not your keys, not your coins.” The real goal is to graduate to true EVM self-custody wallets like those above, where you maintain control while enjoying a user-friendly experience.

同埋，如果你覺得仲未 ready 自管資產，有啲新手會揀託管錢包（例如直接擺 Binance、Kraken 帳戶，或者用 Blockchain.com 呢啲託管錢包）。用法同上網登記咁簡單——但要記住：「無私鑰，不屬於你。」真正目標都係慢慢做到用上面提過啲自管 EVM 錢包，兼顧安全同易用。

Wallets for Active Users & Traders

If you’ve moved past the beginner stage and are actively trading, yield farming, or using dApps on a daily or weekly basis, your needs will be different. Active users and traders typically demand support for a wide array of chains and tokens, integrated financial features (swaps, staking, bridging), and often use both mobile and desktop interfaces for convenience. They also value reliable performance given they might execute time-sensitive transactions. The following wallets are well-suited for the active DeFi user or crypto trader who needs more tools and asset support than a basic wallet provides:

如果你已經唔再係新手，開始活躍做交易、挖礦、或者日日／每星期都玩 dApp，用戶需求一定唔同。活躍用家同交易員，通常希望錢包支援多條鏈、多種幣，同時內置金融功能（換幣、質押、跨鏈橋接），日常又要手機同電腦版方便切換。除此之外，穩定性能好重要，尤其要做啲即時交易。以下幾款錢包，特別適合成日玩 DeFi、交易，需要多工具多資產支援嘅用家：

Trust Wallet – Versatile Multi-Chain Wallet with DeFi Tools

Backed by Binance since 2018, Trust Wallet has evolved into one of the most versatile mobile wallets, popular among both beginners and seasoned users. For active users, Trust Wallet’s biggest draw is its massive breadth of support: it can manage assets across 70+ blockchains (including all major EVM networks and many non-EVM ones) and over 10 million tokens. In practice, this means whether you’re trading BNB Chain tokens, exploring a new DeFi protocol on Avalanche, or holding some Dogecoin for fun, you can do it all in one app. The interface remains fairly user-friendly, but under the hood Trust packs a lot: it has a built-in dApp browser on mobile that lets you access Web3 sites directly (connects automatically to the wallet), integrated staking for certain coins (you can stake Tezos, Tron, BNB and more from the wallet), and a one-click token swap feature powered by Binance DEX and other

Trust Wallet 自 2018 年被 Binance 收購之後，已經變成其中一個多功能手機錢包，新手、老手都好多用。對活躍用家來說，Trust Wallet 最大吸引力係支援廣泛：跨足 70 條以上公鏈（包括所有主流 EVM 鏈同唔少非 EVM 鏈），合共支持超過一千萬種代幣。實際即係你無論今日買 BNB Chain 幣，明日玩 Avalanche 新 DeFi，或者齋揸 Dogecoin，自由切換都一個 app 就做哂。介面保持得幾易用，但底層功能非常強大：手機版有內置 dApp 瀏覽器，直接連 Web3 網站（自動接駁錢包）、部分幣還有內建質押（例如可直接質押 Tezos、Tron、BNB 等），一鍵換幣更有 Binance DEX 同其他......providers.

這令交易員可以輕鬆地利用應用內置的跨鏈橋（支援的網絡）快速兌換資產或在不同鏈之間轉移資金。Trust Wallet 亦引入了 WalletConnect 支援，用戶只需掃描 QR 碼就可以在桌面上配合 DeFi 應用使用。論安全性，Trust 屬於標準的自主管理（non-custodial）錢包（私鑰只儲存在你嘅裝置），更加重要的是，它已實施咗獨立安全審計同一套風險評分系統，會提示你潛在可疑交易或合約。對經常玩新 dApp 的活躍用戶嚟講，呢個小提示好有用——如果錢包識別到有 dApp 係已知惡意，即時彈出警示可以救你一命。

Trust Wallet 咁受歡迎，亦代表咗高度兼容性：幾乎所有 dApp 都會列出 Trust Wallet 作為選項，或者你都可以用 WalletConnect。Trust 本來淨係得手機 App，而家已經有咗瀏覽器擴充功能，俾交易員多咗個桌面介面可以揀。錢包仲有自己嘅治理/實用代幣 TWT，用戶可係日常互動賺取，之後用嚟享有折扣或者參與治理投票。唯一比較明顯嘅缺點，係作為熱錢包（hot wallet），保安程度最終都受到你部機安全性影響——日常操作用就一流，不過大額長期持有始終建議放硬件錢包或者多簽。

Trust Wallet 自己亦都可透過擴充功能連接 Ledger 等硬件錢包，但手機版對硬件錢包支援有限。總結嚟講，Trust Wallet 咩都齊晒，好適合活躍用戶：多鏈、功能豐富，不斷推新。唔難理解點解咁多人都推介佢做「加密用家必備錢包」。

Phantom —— NFT 強項多鏈錢包

Phantom 原本係 Solana 領先錢包，到 2025 年已經擴展到支援 Ethereum 及 Polygon，成為多鏈活躍用戶必選。對於橫跨 Solana 同 EVM 生態既交易員/NFT 收藏家，Phantom 帶嚟統一體驗。Phantom 喺 Solana 上廣受好評，因為 UI 流暢、反應快、NFT 管理界面出色——呢啲亦帶到佢嘅 Ethereum 功能。例如 NFT 用家，可以靚靚地顯示你收藏品嘅圖像同元數據，仲可以直接上市場掛單或者交易。佢同時內置兌換功能（按鏈用 Solana 流動性或 Ethereum DEX 集合器），資產仲有即時圖表睇。Phantom 另一個特色就係注重安全同防 Spam：自動過濾 Spam 代幣（Solana 係 airdrop spam 黑點），仲有專門介面俾你隨時取消不必要嘅代幣授權。活躍 DeFi 用戶會欣賞 Phantom 的瀏覽器擴充功能夠輕便同反應快，用戶體驗被認為係 MetaMask 強勁對手，但功能更豐富。Phantom 支援 Ethereum，即係你本身玩開 Solana 而家玩 EVM（又或者反過來），一個錢包全覆蓋。

值得一提，Phantom 屬自主管理，用標準助記詞備份（又或者你想安全啲可以用 Ledger 連 Hardware 錢包管理 Solana/Ethereum）。團隊都預告緊手機版開發，有望進一步擴大用戶群。對多鏈交易員嚟講，Phantom 提供超快流暢操作、乾淨清晰介面，再加上好多貼心細節，例如靚靚展示 NFT，做咩操作都會有相應警告（例如你簽署可疑交易，Phantom 如有記錄就會提示）。雖然 MetaMask 係 Ethereum 生態整合仲多啲，但 Phantom 增長極快，係 Solana 已經係黃金標準 —— 雙生態用戶嘅一體化解決方案。最緊要係，好用開心，用家每日做十幾廿單嘢都唔覺攰！

Crypto.com DeFi Wallet —— 交易所生態一站式強力錢包

Crypto.com DeFi Wallet 係幫過活躍用家揀嘅另一個選擇，功能超多，而且同 Crypto.com 生態綁定，適合唔介意生態連結嘅朋友。呢個錢包係自主管理（同 Crypto.com 托管 App 完全分開），但又可以方便地同 Crypto.com 交易所/App 轉帳。支援 35 條以上網絡，包括 EVM、Cosmos、Solana 等，覆蓋面算係非常闊。呢個錢包介面主攻主動做加密資產投資嘅人：內置多種幣質押、多鏈 Cronos 集成（Crypto.com 自家 EVM 鏈）、仲有 “Discover” 區推介唔同 dApp。

對交易員嚟講最大好處係同 Crypto.com 服務無縫連接——例如可以喺錢包直接用 DeFi Earn program 換幣或做流動性農場，亦都可以幾下手勢喺唔同鏈之間跨鏈。App 內仲有入金功能，如果你想用信用卡或銀行增值都支援（要 KYC）。安全方面有可選 2FA，仲可以加設密碼/生物認證確認交易，有助防止誤發。Crypto.com DeFi Wallet 想做一個用戶咩都搞掂嘅一站式錢包：收藏資產、即時兌換、賺息、接駁 Crypto.com 主 App 俾你用埋 Visa Crypto Card 或其他 CeFi服務。

呢種混合設計正好適合追求 DeFi 自主又想享受 CeFi 方便嘅用家。唯一 trade-off 係錢包有時會引導你用返 Crypto.com 生態產品，以及有部份功能/換幣要收費（兌換隨時經 Crypto.com 系統同要收費，部分功能要 KYC）。但你完全唔用 CeFi 部分都可以 —— 當普通 DeFi 自主管理錢包用都得。總之，Crypto.com DeFi Wallet 好似一個連接純自主管理世界同大型交易所服務嘅橋樑。功能齊全，係 Crypto.com 交易所用戶更加方便，一 App 玩哂。獨立嚟睇都係多鏈錢包之中表現強勁，反映連交易所都知道用家要更大掌控權及直接鏈接區塊鏈。

MetaMask（配合 Aggregator 及 Snaps）——無處不在嘅老將

講加密錢包清單冇 MetaMask 絕對唔完整，對活躍 Ethereum 用戶嚟講一直都係老拍檔。到 2025 年，MetaMask 活躍用戶已超過三千萬，功能新增唔停，keep 住 power user 忠誠。交易員最喜歡，莫過於內建 Swap（2020 年底推出），自動收集 DEX 報價讓你直接係錢包換幣，雖然要收 service fee，不過方便值得為小交易付出。MetaMask 同時加咗資產組合面版，Token 偵測更好，活躍用戶可以一頁睇曬多鏈（支援鏈）資產。

至於 MetaMask Snaps，可以額外加插新功能——有 Snaps 可以自動加 Layer-2 network 支援、有 Snaps 會解碼交易數據簽名前提示你、又有 Snaps 連接埋安全服務。雖然 MetaMask 介面簡陋俾人彈，不過勝在穩陣兼高度兼容。幾乎所有 dApp 都支援 MetaMask API，基本上唔會有條鏈你連唔到。瀏覽器加手機都有，靠助記詞同步帳戶。多鏈支援方面，MetaMask 而家轉 Network 更簡單、常用網絡清單齊齊哋，經 Snaps 甚至可支援非 EVM 鏈如 Bitcoin、Solana（Beta 階段）。

但要注意 MetaMask 會俾啲用戶覺得複雜——一開始就要自主管理，教學輔助少，Wallet 預設係單一密碼，同 Gas 調校都唔算人性化。隱私度高嘅人亦會留意 MetaMask 預設用 Infura（同集團旗下），會 Log 你 IP（你可以改用其他 RPC 避免）。無論點，MetaMask 仍然係嚴肅 Ethereum 用戶既首選熱錢包，所有新功能都係為活躍 Trader 而設：進階 Gas 設定、EIP-1559、支援硬件錢包（Ledger、Trezor）等，全部照顧晒需求。好多活躍交易員都當 MetaMask 係「瀏覽器錢包」，再視乎需要，配埋以上錢包 WalletConnect 一齊用。

值得一提都仲有：Rabby Wallet 可以歸入本類，不過目標群組偏進階 DeFi 用戶（之後會詳談）；Frame 係另一款流行 PC desktop wallet，速度快，原生運行於你台電腦系統，任何瀏覽器/app 都可以「搵錢包」，主打私隱同開源。貪快捷同主控權強既交易員亦可考慮 xDeFi Wallet（多鏈擴充功能內置兌換）或亞洲流行的 Coin98 Wallet（多鏈+齊全 DeFi 功能）。生態圈百花齊放——不過以上介紹嘅都是最有信譽、活躍用戶首選錢包。

進階用家 & DeFi/NFT 專才錢包

對於真正 Power User —— 經驗豐富的 DeFi 農夫、NFT 巨鯨、DAO 多簽管理人、開發者、Crypto 原生人等，錢包已經唔只係個工具，而係成個控制中心。呢啲用家通常需要進階安全選項（有時管住大額），要對付複雜智能合約交互，仲注重自定義同擴展性。去到 2025 年，以下幾類錢包/方案特別適合進階玩家：

MetaMask + Snaps —— 進階用家起步標準

雖然上面針對活躍用家已討論過 MetaMask，但因為...configurations and Snaps plugins is a staple for power users. Many DeFi veterans still prefer MetaMask for one reason: it’s widely integrated and battle-tested. For specialists, MetaMask offers things like customizable RPC endpoints (you can connect to your own node or a third-party for privacy) and supports connecting multiple hardware wallets to manage different addresses.

對於高級用戶而言，配置和 Snaps 插件已經成為標配。許多 DeFi 老手仍然偏好使用 MetaMask，因為它擁有極高的兼容性和長時間的實戰驗證。對於專業用家來說，MetaMask 提供自訂 RPC 端點（你可以連接自己架設的或第三方節點以加強私隱），亦支援連接多個硬件錢包來管理不同錢包地址。

With the advent of MetaMask Snaps, power users can tailor their MetaMask like never before. For example, there are Snaps for MEV protection (routing transactions to private relays to avoid frontrunning), Snaps for layer-2 auto-switching (so your wallet can automatically detect and switch to the network a dApp is on), and even experimental Snaps for features like viewing transaction source code for what you’re signing.

隨著 MetaMask Snaps 面世，高級用戶可以前所未有地自訂自己的錢包。例如，有針對 MEV 防護的 Snaps（將交易路由到私有中繼，避免被搶先交易），也有 Layer-2 自動切換的 Snaps（錢包會自動偵測及切換到 dApp 所在的網絡），甚至有實驗性 Snap 功能，例如簽署交易前預覽交易原始碼。

MetaMask has also implemented security add-ons such as Wallet Guard and LavaMoat which internally harden the wallet against malicious dependencies and phishing. A power user using MetaMask likely also leverages its account import feature – for example, you can import a multi-sig Safe or a contract wallet address just to watch it and initiate transactions (though you’ll confirm on the Safe separately). That allows MetaMask to be used as a front-end even for contract accounts. One new feature is MetaMask’s “Smart Transactions”, which can automatically try to optimize gas or retry transactions if they get stuck.

MetaMask 亦加入了如 Wallet Guard 和 LavaMoat 這類安全插件，增強錢包內部對惡意依賴和釣魚攻擊的防禦力。高級用戶多數會用到其賬戶導入功能 —— 例如可以導入多簽 Safe 或智能合約錢包地址，只作監察或發起交易（確認會在 Safe 內處理）。這令 MetaMask 可以作為智能合約賬戶的前端。另一個新功能是「智能交易」（Smart Transactions），可以自動優化 Gas 費或者當交易卡住時自動重試。

For a DeFi specialist doing complex operations, these little conveniences add up. Ultimately, while MetaMask doesn’t have things like social recovery or multi-factor auth by itself (it’s a traditional key wallet for now), its huge ecosystem (extensions, third-party tools built around it, etc.) and continuous development make it a top choice for experts who know how to safely handle it. Pro tip: Many power users run MetaMask alongside a hardware wallet (so every MetaMask transaction above a certain size has to be approved on a Ledger/Trezor device) – that way they get the convenience of MetaMask’s interface with the security of hardware for large funds.

對於要進行複雜操作的 DeFi 專家來說，這些小細節都很有用。雖然 MetaMask 本身暫不支援社交恢復或多重驗證（它屬於傳統私鑰錢包），但龐大的生態（各種擴展功能和第三方支援）、以及持續的開發更新，令它始終是行家之選。小貼士：好多高級用戶都會同時用 MetaMask 配硬件錢包（即大額交易需在 Ledger/Trezor 實體裝置上確認），從而兼顧方便操作同高資金安全。

Rabby – Specialized DeFi Wallet (Safer MetaMask Alternative)

Rabby —— 為 DeFi 打造的專業錢包（更安全的 MetaMask 替代品）

Rabby Wallet emerged as a reaction to MetaMask’s shortcomings for DeFi power users. It’s a browser extension wallet designed specifically with frequent DeFi users in mind. Rabby’s hallmark feature is Transaction Simulation – whenever you’re about to confirm a transaction, Rabby will simulate it and show you the outcome (e.g., “After this swap, you will receive X tokens” or “This contract will take 2 ETH from you”) before you actually approve. This is immensely helpful in avoiding scams and mistakes, essentially functioning as a real-time warning system if a transaction will do something unexpected.

Rabby 錢包正正就是因應 MetaMask 未能完全滿足 DeFi 重度用家而誕生。它是一個專為 DeFi 高頻使用者設計的瀏覽器插件錢包。Rabby 的招牌功能就是「交易模擬」—— 每當你準備確認一筆交易時，Rabby 會自動先模擬，然後顯示結果（例如「呢次 swap 之後你會收到 X 個代幣」或者「此合約將會收取你 2 ETH」），讓你清楚知道會發生咩事先至批准交易。這對避免騙案同手誤非常有用，實時幫你作提示。

For power users interacting with complicated yield farms or new token contracts, Rabby’s simulation is a lifesaver. Rabby also automatically prioritizes hardware wallets – it detects if your address is on a Ledger and makes using it seamless. It supports all EVM chains and auto-detects the chain a dApp is on (no more manual network switching – Rabby will switch to the correct network when you connect to a site). Its interface is similar to MetaMask but with more information and safety checks; for example, it has a built-in list of “dangerous methods” and will warn you if a dApp is requesting something like an unlimited spend approval on USDT (common in phishing). It also lets you set custom permissions – a power user might only allow a dApp to spend a certain amount of a token rather than unlimited.

對於需要跟復雜 DeFi 農場或新合約互動的高級用戶，Rabby 的模擬功能絕對是救星。Rabby 還會自動優先支援硬件錢包 —— 發現你的地址有綁定 Ledger 會直接對應，非常順暢。Rabby 支援所有 EVM 鏈，會自動偵測 dApp 所在網絡（唔洗再手動切網，Rabby 連接網站時會自動切去正確 network）。介面類似 MetaMask，不過資訊更豐富又多安全提示。例如內建「危險操作方法」清單，一旦有 dApp 要求無限 USDT 授權（釣魚經常出現），都會警告你。你亦可自訂每個 dApp 只可花用特定數量的代幣，而不是一味批出無限權限。

Essentially, Rabby is optimized for non-custodial power DeFi usage, putting security at the forefront. The downside is that Rabby is a relatively new and community-driven project (developed by DeBank), so it’s not as time-proven as MetaMask, and not all dApps explicitly list Rabby for connections (though you can usually use it via WalletConnect or just by selecting MetaMask since Rabby can present itself as MetaMask). Its adoption is growing among DeFi heavy users. If you’re doing lots of on-chain trades, yield farming, etc., Rabby’s protections can save you from bad approvals or interacting with known scam contracts. It’s like MetaMask with an extra safety net and some quality-of-life improvements – very attractive to the advanced user who is aware of the risks out there.

總括來講，Rabby 是針對非託管 DeFi 重度使用場景優化，極重視安全。缺點係 Rabby 都算較新而且由社群驅動（由 DeBank 開發），未及 MetaMask 那麼多實戰經驗，而且唔係所有 dApp 都特登列明支援 Rabby（不過通常都可以用 WalletConnect 或當選 MetaMask 使用，因為 Rabby 可偽裝成 MetaMask）。現在用家基數正在 DeFi 高手圈子持續上升。若果你經常進行鏈上交易、挖礦等，Rabby 的防護可以救你唔少事，包括避免錯批權限或中騙合約。總之就是 MetaMask 加左一重安全網兼有生活改良功能，對那些清楚風險的進階用戶好有吸引力。

Safe (Gnosis Safe) – Multisig Smart Contract Wallet for DAOs and Treasuries

Safe（前身為 Gnosis Safe）—— DAO 及金庫的多簽智能合約錢包

For users who need the utmost security or collaborative control – think DAO treasuries, multi-signature corporate accounts, or even individuals who want a “team” to co-sign transactions – Safe is the gold standard. Formerly known as Gnosis Safe, Safe is a smart contract wallet that requires a defined number of approvers (signers) for any transaction. It’s essentially a programmable vault on Ethereum and EVM networks. Power users use Safes to manage large funds because even if one key is compromised, a thief can’t move funds without the other keys.

對於極度重視安全或需要多方共同管理的場合（例如 DAO 金庫、多簽公司帳戶、甚至個人希望「團隊共審批交易」），Safe 絕對係金科玉律。Safe（前 Gnosis Safe）是一個智能合約錢包，要獲批每筆交易，必須有設定好數量的簽署人參與。它本質上是一個可編程的金庫，運行於 Ethereum 和各 EVM 網絡上。高級用戶會用 Safe 管理大額資產，就算有人偷到其中一條私鑰，都不能盜走資金，因為仲有其他簽名人把關。

Safe’s features align with complex needs: you can set custom permission policies (e.g., 2-out-of-3 multisig, or one key can only sign up to a certain value, etc.), do transaction batching natively (execute multiple calls in one transaction), and it now supports EIP-4337 as a paymaster/aggregator which can potentially sponsor gas or allow gas payment in alt tokens. In fact, Safe is often cited as the implementation of account abstraction before account abstraction was official – it uses a contract account to achieve things like social recovery and multi-sig. By 2025, Safe has expanded to multiple networks (Ethereum, Polygon, Arbitrum, etc.) and remains the preferred wallet for DAO treasuries and high-net-worth security-conscious holders.

Safe 有一系列針對複雜需求的功能：包括自訂權限政策（例如「3 人之中要有 2 人同意」的多簽結構，或者某條私鑰只能批核一定金額等）、原生支援批量交易（一次交易執行多個動作）。現時亦支援 EIP-4337 作 Paymaster / Aggregator（可以資助 gas 或用其他代幣支付 gas）。其實 Safe 很早已經實現「賬戶抽象」（account abstraction）思路，早於此概念官方化之前，已經利用智能合約做到社交恢復、多重簽名等功能。2025 年 Safe 已經擴展到多條主流網絡，包括 Ethereum、Polygon、Arbitrum 等，繼續係 DAO 金庫及資產規模大、重視安全嘅持有人首選。

The trade-offs: Using a Safe is more complex. You typically use a dedicated Safe interface or integrate it with something like WalletConnect to wallets of the signers. Each signer might use MetaMask or a hardware wallet; Safe itself is the contract that coordinates them. Also, each Safe transaction is a smart contract interaction, which means higher gas costs than a normal wallet transaction – one reason not everyone uses a Safe for daily needs.

不過，Safe 有一定使用門檻。一，操作較為複雜，通常要用專門的 Safe 介面或經 WalletConnect 連接簽署人的錢包（例如 MetaMask 或硬件錢包），Safe 本身作為協調擔當。二，Safe 的每筆交易都是合約互動，gas 費比普通錢包交易高，所以未必適合日常咪用。

But for power users, the features are unmatched. For example, a DeFi fund might hold assets in a 4-of-6 Safe so no single person could run off with funds, and they can execute trades from the Safe via DeFi protocols (many dApps support connecting a Safe through web interfaces now). In our context of EVM wallets, Safe represents the ultra-secure, collaborative end of the spectrum. It’s not for the casual user, but it’s an indispensable tool for certain use cases. Safe is open-source and audited heavily, adding to trust. If you manage significant assets or need shared control, learning to use Safe (and perhaps pairing it with something like SafeDAO governance) is well worth it. Just be aware of the complexity and costs – it truly is a power user wallet.

但係論功能，Safe 的確無出其右。例如有啲 DeFi 基金用 4-of-6 多簽 Safe 持資，杜絕單一擁有人挾資潛逃，同時可以直接落單操作（現在好多 dApp 都支援 Safe 錢包連接）。對 EVM 錢包來講，Safe 代表著極高安全多方共管的一端。佢唔係俾一般用家用，但係某啲情境係不可或缺的工具。Safe 是開源和經過多次審計，值得信任。如果你要管理大量資產或需要多人共管，學識 Safe（又或者配合 SafeDAO 治理）肯定物有所值。記住 Safe 係有一定複雜度同使用成本 —— 絕對是真正高階玩家的產品。

Argent – Smart Contract Wallet with Built-in Security

Argent —— 內建智能安全機制的智能合約錢包

Argent is another smart contract wallet that pioneered user-friendly security, and it remains a top choice especially on Ethereum Layer-2s (like zkSync and StarkNet, which Argent supports). Argent’s model eliminates seed phrases and instead uses “guardians” – which can be people or devices you appoint – to approve a recovery or certain high-risk actions. For a power user, Argent provides a nice middle-ground: you get features like daily transfer limits, social recovery, and even the ability to block transactions if suspicious, all coded into the wallet’s smart contract. Argent is also known for its integrated DeFi “money manager” aspects; it has a built-in DeFi dashboard where you can lend, stake, or invest in yield opportunities across protocols with a tap.

Argent 是另一種主打安全易用的智能合約錢包，特別適合用於 Ethereum 各大 Layer-2（例如 zkSync、StarkNet 等都原生支援）。Argent 模式唔需要助記詞，取而代之的是「守護人」（你可以指定人或裝置），要恢復錢包或批高風險操作時，需要守護人批准。對於高級用家，Argent 提供一個不錯的中間選擇：你可以設每日轉帳上限、社交恢復、甚至當出現可疑時暫停交易等，全部以智能合約寫明規則。Argent 亦以內建 DeFi 資產管理人（money manager）聞名，有專用儀表板，可一站式借貸、質押或投資 Yield，方便又智能。

In 2025, Argent has shifted focus to Layer-2 for lower fees, meaning if you’re doing a lot on zkSync or StarkNet, Argent is extremely handy – you can deploy an Argent smart wallet on those networks and enjoy near-instant, low-cost transactions with the same security model. For NFT or DeFi specialists, the beauty of Argent is convenience without sacrificing safety: you can execute complex DeFi operations right in the app, while behind the scenes your wallet might have a rule like “only allow at most $1k per day unless my guardian co-signs” – preventing a full drain if you get hacked. The trade-off, as with Safe, is that it’s a contract wallet so using it on Ethereum mainnet can be costlier.

2025 年 Argent 已經專注 Layer-2 網絡，藉此省下大量手續費。如果你經常在 zkSync 或 StarkNet 上操作，Argent 用起來會好方便 —— 你可以直接開個 Argent 錢包在這些網絡，體驗幾乎即時、極低成本又有同樣安全機制的交易。對 NFT 或 DeFi 專家而言，Argent 最大吸引力是更方便但不犧牲安全：例如可以直接在 App 內操作高級 DeFi 功能，而背後可以設限「每日最多 $1k 轉出，超過要守護人共簽」，萬一錢包中招亦不怕被人清倉。缺點同 Safe 一樣，是合約錢包，在 Layer-1 上的成本會貴啲。

Argent also managed to abstract away gas for a while (they subsidized some transactions or allowed paying in tokens), which was a groundbreaking feature now more common with account abstraction. Power users who are solo (not needing multi-sig with others) but want more protection than a single key often gravitate to Argent. It’s mobile-first and has a smooth UI, appealing to both advanced and non-technical users (its challenge has been explaining to people that a smart wallet can be safer than a normal wallet).

Argent 亦曾一度將 gas 支付抽象化（例如官方幫你補貼 gas 或允許用非 ETH 支付），這以往屬突破性創新，現時隨 account abstraction 普及而變得常見。對於本身獨力操作但又想安全性高啲的用家，Argent 很合適。它主打手機，UI 流暢，入門和進階用家都啱（只是點解釋「智能錢包可以比傳統錢包更安全」需要功夫）。

Argent’s approach – no seed phrase, use phone security + social guardians – is likely a template for wallets of the future. Already, others like Coinbase are adopting MPC/social recovery hybrid models echoing this. So for the power user who’s tired of storing private keys yet wants self-custody, Argent offers a proven alternative.

Argent 這類「唔要助記詞、手機+社交守護人」方案，可能將會成為新一代錢包的主流範本。事實上，連 Coinbase 都開始走 MPC / 社交恢復混合路線。對於受夠咗私鑰管理煩惱但又想自己主控資產的高手，Argent 就是一個經實證的好選擇。

Hardware Wallets (Ledger, Trezor, etc.) – Cold Storage for the Pros

硬件錢包（Ledger、Trezor 等）—— 專家用的冷存方案

While not “EVM wallets” in the software sense, it’s important to highlight that almost all power users rely on hardware wallets in conjunction with the software wallets. Devices like Ledger Nano X or Trezor Model T are considered the most secure way to store EVM private keys offline. They connect via USB/Bluetooth and ensure that the private key never leaves the device – you physically confirm each transaction on the device. In 2025, hardware wallets have kept advancing: Ledger and Trezor now support thousands of assets (including all ERC-20s, NFTs, etc.), and features like

雖然技術上硬件錢包不算純「EVM 錢包」軟件，但幾乎所有高級玩家都習慣將硬件錢包同軟件錢包配合使用。Ledger Nano X、Trezor Model T 等裝置被公認為現時儲存 EVM 私鑰最安全的離線方案。它們以 USB/Bluetooth 連接，確保私鑰永遠唔會離開裝置，每次交易都要在實體裝置上實體確認。到 2025 年，硬件錢包進一步進化：Ledger、Trezor 現時已支援數千種資產（包括全部 ERC-20、NFT 等），並提供如Shamir’s Secret Sharing backup (Trezor) 或甚至新型無種子、以卡為本的備份（例如 Ngrave 或 Cypherock 等新錢包）都為進階用戶提供更多選擇去保障自己嘅私鑰。

對於一個 DeFi 或 NFT 專家嚟講，當你個投資組合變大，使用硬件錢包幾乎已經係一個必經階段。你可以將 Ledger／Trezor 連接去 MetaMask、Trust Wallet 擴充程式、Rabby、Safe——基本上啲我哋講過嘅軟件都可以同硬件錢包對接。咁你就可以做到兩層保安：日常少額交易用方便嘅熱錢包，但大部分資金就會存喺一個必須靠硬件裝置認證先可以動用嘅帳戶。值得一提係啲新嘅仿硬件方案：智能卡同生物認證錢包（例如 Tangem 卡或者 ZenGo 嘅無私鑰 MPC 方案）都係進階用戶會考慮嘅另類方法嚟提高安全。

不過，Ledger 同 Trezor 仍然係最多人揀嘅。去到 2025，關於硬件錢包 firmware 嘅憂慮（例如 Ledger 有爭議嘅種子恢復服務計劃）都引起咗討論，提醒進階用戶唔係所有硬件錢包都一樣，而且開源 firmware（例如 Trezor 上）更加透明可靠。無論如何，任何嚴肅對待資產安全嘅用戶都會用軟硬結合或者多重簽名方案。所以就算硬件錢包唔算係“EVM 錢包”（冇 dApp 介面），佢都係進階用家確保 EVM 資安不可缺少嘅工具。

作為一個進階用戶或者專家，你多數會混合搭配唔同工具：可能用 MetaMask 或 Rabby 做介面、Safe 或 Argent 做特殊用途、又或者用硬件錢包做儲存或者第二重驗證。以上一啲選項唔係互相排斥——佢哋可以互補，令你同時兼顧彈性同安全。好消息係，錢包之間而家更加互通（例如你可以用 MetaMask 操作 Ledger，或者用 Rabby access 你嘅 Safe），咁你可以慢慢 build 一套啱自己需要嘅 setup。下一節我哋會詳細探討安全同風險問題，對需要防範高級攻擊嘅進階用家尤為重要。

Security and Risk Landscape

Crypto 錢包係管理重要資產嘅工具，自然吸引黑客攻擊同帶有獨特風險。理解錢包相關嘅安全形勢，無論你係新手定老手都極之重要。以下就列出常見嘅錢包相關風險，以及到 2025 年，錢包開發者同用戶點樣應對：

釣魚網站同騙局：釣魚攻擊仍然係錢包用戶最大嘅威脅。騙徒會做一些假 dApp 網站或者偽錢包介面，誘使你輸入種子短語或者同意一個惡意交易。有一種以太坊常見騙局叫“address poisoning”，攻擊者會用一個同你互動過嘅地址好似嘅新地址，發 $0 或極少 token 去你錢包。“污染”你嘅交易記錄，如果你 copy-paste 最近收款紀錄時，隨時將資產誤發去假地址（prefix 或 suffix 好接近）。有幾百萬個以太坊用戶俾呢啲“poisoning”中招，誤轉過去假地址損失過億美金。呢啲社交工程唔係 hack 你個錢包，而係利用你冇留心。錢包商開始針對呢啲手法出招：而家有啲錢包會收埋或簡短重覆出現嘅地址，亦有研究顯示，只有小部分錢包會警告你準備發錢去一個只係曾經收到“poisoness”極細交易嘅地址。作為用戶，重點仍係自己對地址 double check（最好用 ENS 名或者儲落通訊錄）。永遠確保你 click 嘅 dApp 或網址係真，bookmark 啲重點網站，同埋警惕搜尋器廣告、Discord DMs 等潛在假網站。
種子短語被盜及用戶錯誤：傳統 12 或 24 字嘅種子短語，既係備份亦係極大風險。如果有心人攞到你個種子短語，等同攞到你個錢包全部權限。用戶經常會中招於假“錢包驗證”網站、又或者安裝咗會掃瞄 24 字種子格式嘅惡意程式。最大風險仲有存放唔當：有人會將種子 plain text 放上雲端或者 Email——好多洩漏都係咁發生。開發者提醒永遠唔好 share 種子，主張用紙或金屬抄低（有唔少公司賣金屬備份套裝）。部份錢包已逐步摒棄種子短語（改用社交恢復或硬件加密鑰），但你仲用，就當佢聖物咁對待。而且，任何官方 support 都唔會問你攞種子——2025年到處都會強調，但依然有人信“support”騙種。部份人拆開種子存（例如 Trezor 用 Shamir’s Secret Sharing，又或者簡單分兩地收，雖然咁未必完全安全）。記住，如種子同裝置都無晒，個錢包就無得救。所以啲有 guardian 多重保護嘅社交恢復方案都開始流行，希望減低單點失敗風險。
惡意智能合約及授權：呢個問題特別影響到 DeFi 同 NFT 用戶。當你批准一個 token 可以比 dApp 用（例如俾 DEX 用嚟換幣），如果你比咗無限授權，嗰個合約就有權隨時搬晒你個 wallet 嘅該 token。好多騙案合約其實係等你一批準後“拖清袋”，例如假 NFT 鑄造其實係 prompt 你批準咗所有 NFT 授權。針對呢啲手法，有啲錢包（例如 Rabby）會模擬交易，幫你睇清楚批準係咪正路。有啲好似 Trust Wallet 會標示可疑交易內容或者自定限額。亦有第三方服務幫你監察或收回批準。用戶要定期審視同 CUT 掉唔需要嘅批準（Etherscan Token Approval Checker 等類似工具或啲錢包內建功能）。習慣做下“清潔”，風險會細好多。同時面對任何叫你批準奇怪權限嘅 dApp 要加倍小心，例如遊戲叫你批準用 Stablecoin 就肯定有古怪。最重要係謹守最小授權原則：只批準必須金額，prefer 支援 limited approvals 嘅錢包（MetaMask 新增咗自定批準限額功能，好受用戶歡迎）。
瀏覽器擴展程式及惡意軟件：用顯示係瀏覽器擴展嘅錢包（MetaMask等），裝置有惡意軟件都會係威脅。有啲惡意軟件會注入代碼偷輸入（例如偷你密碼）、或者改咗擴展行為。亦有 DNS 劫持案例，用戶以為連緊 MetaMask，實際係假彈窗偷你啲鑰。Wallet 團隊已大幅提升安全：MetaMask 嘅 LavaMoat 計劃，將內部運作隔沙盒避 supply chain attack。瀏覽器如 Chrome 都要求擴展簽名，加強安全。但建議一定只安裝官方錢包擴展，並定時更新。手機端只裝官方 app store 下載嘅 App，唔好亂裝測試 APK 或野生包。硬件錢包可以減低大部分惡意程式風險——即使電腦中招，黑客通常都偷唔到儲喺硬件嘅 key，亦無法簽交易，除非你人手確認。所以唔少進階用戶都會軟硬 wallet 組合用。
人為錯誤：除咗攻擊，普通錯誤都係風險，例如轉錯錢去無人知嘅地址（冇銀行幫你追回）、冇 backup 跌咗部手機等。有啲錢包而家會條件檢查地址同 checksum（例如 Ethereum 地址本身有 checksum，如果打錯通常無效，但其他鏈就要小心）。用 guardiian 或社交恢復方案可以補救失裝置情況。但最終都要用戶習慣自己小心——每次匯款都 double check 地址，大額先發少少測試，匙要 backup 幾份分開收等等。
主要錢包點樣減低風險：錢包供應商知道自己聲譽好靠安全。好多頭部錢包都接受獨立 security audit（例如 Trust Wallet 經過審核，用工具追蹤可疑交易行為）。而主流錢包都會維護釣魚網站清單：MetaMask、Trust 、Phantom 等全部對接 community 數據庫，有已知 scam site 會 popup 紅色警告甚至直接 blockade。有啲錢包仲會出 transaction insight：例如彈窗顯示「你即將用 2ETH 換 3200 USDC」等易明內容，減低用戶因睇唔明智能合約內容而誤批。
開源代碼：Safe、MEW 等錢包都完全開源，等開發社群監察，提早發現同修補漏洞。有啲錢包同第三方服務仲提供保險或保障（例如某啲 MPC solution 為存戶資金提供保障，雖然 custodial solution 用得較多）。

就算安全做得再好，教育用戶依然係關鍵。去到 2025，有研究顯示只有 7% 成年人對 crypto 安全感到十分有信心，而大量用戶……remain very unconfident. This highlights that we have a way to go in building user-friendly security. The best wallets combine technical safeguards with education – prompting users when they are about to do something risky and advising on how to stay safe.
保持非常冇信心。呢點突顯咗我哋喺建立用戶友好嘅安全性上面，仲有好長路要行。最出色嘅錢包會結合技術防護同教育——用戶做緊風險動作嘅時候即時提醒，並提供安全建議。

Security Best Practices for Users: Regardless of wallet, here are quick tips to dramatically reduce risk:
用戶安全最佳做法：無論用咩錢包，都記住以下幾個大大減低風險嘅貼士：

Never share your seed phrase or private key – no legitimate service will ask. Treat it like your most sensitive password.
千祈唔好同人分享你嘅助記詞或私鑰——冇正當服務會問你攞。要當佢係你最重要嘅密碼咁嚴格保護。
Use hardware wallets for significant funds. For large holdings, consider multi-sig (e.g., Safe) or at least a device like Ledger/Trezor.
有大額資金，就用硬件錢包。如果資產好大，考慮用多重簽名（例：Safe），或者最少用Ledger/Trezor呢啲裝置。
Double-check every transaction details (address, amount, network) before confirming. It sounds obvious but in the rush of clicking, mistakes happen.
確認每一筆交易之前，一定要逐項檢查清楚（地址、金額、網絡）。聽落係常識，但真係一急就會出錯。
Be cautious with approvals: Only grant what’s needed. Revoke permissions regularly using tools or wallet features.
小心批核權限：只畀需要嘅就得。定期用工具或錢包功能取消冇用嘅權限。
Beware of unsolicited messages: If someone on Twitter/Discord/Telegram offers “help” and asks you to try a wallet link or asks for codes, it’s likely a scam.
小心任何主動聯絡你嘅訊息：如果有Twitter/Discord/Telegram啲人話要幫你，叫你試錢包連結或問你攞驗證碼，大機會係騙局。
Keep your software updated: Wallet updates often patch security issues. Also update your browser or phone OS – many exploits target older versions.
軟件要保持更新：錢包更新多數係修補安全漏洞。記得瀏覽器同電話系統都要update——因為好多攻擊針對舊版本。
Consider using ENS names or address books for addresses you frequently send to, to avoid copy-paste mistakes or poisoning.
經常轉帳同一啲地址，用ENS名或錢包內聯絡本去管理，避免copy and paste出錯或者遇到中毒地址。
Have a recovery plan: If you use guardians (Argent/Safe), ensure those people/devices are reachable. If it’s a seed, ensure your family or someone you trust knows how to access it if something happens to you (estate planning for crypto is a thing now).
預先有個復原方案：如果用守護者（例如Argent/Safe），確保佢哋有人隨時聯絡到；如果用seed phrase，最好家人或信得過朋友知道點攞，以免出意外（而家規劃加密資產遺產都好普及）。
Test backups: If you have a backup phrase, do a dry run – try to recover an empty wallet with it to be sure it’s written correctly and complete.
測試備份：如果有備份助記詞，記得做測試——用嚟還原一個空錢包，咁先知自己抄冇抄錯/抄齊。
Use multiple wallets: Segmentation can help. Maybe one wallet (with smaller funds) is used for experimental dApps and a separate “vault” wallet (with large funds) only does transfers to/from the first wallet. This way, if a risky dApp compromises the first wallet, your vault is safe.
用多個錢包做分隔：可以一個細額錢包專門玩dApp，另一個「保險櫃」只用嚟同第二個互相轉錢。咁算實驗錢包出事，大額主錢包都安全。

Wallet security is a shared responsibility – developers keep tightening defenses (e.g., only a handful of wallets by 2025 would pop up a warning if you attempted to send funds to a known scam address, as research shows), but users must remain vigilant. By following best practices and leveraging the security features of modern wallets, one can significantly reduce the risk of losing funds. In the next section, we’ll shift focus to what the future holds – because as security is an ongoing battle, so too is wallet innovation racing forward.
錢包安全係大家一齊負責——開發者會不斷強化防禦（例如研究顯示到2025年都只係少數錢包當你send去已知詐騙地址時彈警告），但用戶都要時刻保持警惕。跟住最佳做法，加埋新一代錢包有嘅安全功能，就可以大大減低人為損失資金風險。下一部分我哋會講下未來趨勢——因為安全同創新一樣，係場長期比賽。

Emerging Trends & Future of EVM Wallets

The crypto wallet of 2025 is a far cry from what it was just a few years ago, and the pace of innovation isn’t slowing. Several emerging trends are shaping the future of EVM wallets, promising to make them more powerful, secure, and user-centric. Here’s a look at what’s on the horizon:
2025年嘅加密錢包已經大大唔同幾年前，創新速度仲愈嚟愈快。幾個新興趨勢正改變住EVM錢包嘅未來，有望令錢包更強大、更安全、更以用戶為本。以下係未來可能出現嘅發展：

Account Abstraction Becomes Mainstream: 2025 was the year ERC-4337 account abstraction truly gained traction, and going forward we’ll see smart contract wallets (smart accounts) become standard. This means more wallets will automatically be smart wallets under the hood – users might not even realize it, except that things feel easier. For example, we’ll see wallets where you can choose your authentication method (password, biometric, social login) instead of a fixed seed, and the wallet’s smart contract will accommodate that. Paying gas in any token or even gasless transactions (where dApps sponsor the gas) will likely become common as account abstraction tools mature. Ethereum’s core protocol is evolving too: after ERC-4337’s success off-chain, new proposals like EIP-7702 (part of the Pectra upgrade) aim to let regular EOA accounts temporarily act like smart accounts. This could allow features like batched transactions and alternative authentication without even needing a separate contract for your wallet. The implication is that the line between an “EOA” and a “smart wallet” will blur – eventually, every wallet might be as programmable as a Safe or Argent is now. This trend will massively improve UX: imagine onboarding new users with just an email login (enabled by AA), or enterprises using wallets with built-in multi-sig and policies by default. We’re heading there.
帳戶抽象普及化：2025年係ERC-4337帳戶抽象真正成行成市嘅一年，未來好多錢包都會自動成為智能錢包——用戶甚至唔覺，但用落會容易咗好多。舉例，將可以揀自己想用嘅認證方式（密碼、指紋、社交帳號登入），唔再單靠seed phrase，錢包合約幫你搞掂。用任何代幣畀gas，甚至畀dApp sponsor gas（零手續費交易），都會愈來愈普及。連以太坊本身都不斷升級：ERC-4337離線成功後，新提案如EIP-7702（屬Pectra升級）有望令普通EOA帳戶短暫變身智能帳戶，咁就唔洗再另開合約就做到batch交易或者新型認證。EOA同「智能錢包」個界線會愈來愈模糊——最終每個錢包都可能好似Safe或者Argent咁智能自定。呢個趨勢會大大改善用戶體驗：例如新用戶只需Email就可以開戶，企業預設已有多簽同政策功能，大家都用得輕鬆。
Social Recovery & Seedless Onboarding: Building on account abstraction, the era of seed phrases might gradually fade for everyday users. Social recovery, used by wallets like Argent and certain MPC-based wallets, is proving effective – we expect more wallets (possibly even MetaMask via Snaps or new versions) to offer optional social recovery or cloud backup encrypted by user keys. Projects like Web3Auth and Magic (which do OAuth logins that create non-custodial wallets) are gaining popularity among dApp developers to reduce friction. By 2025, major players like Coinbase have introduced Wallet-as-a-Service offerings where a business can create wallets for users that recover via email links, etc.. For the end user, this means wallets embedded in games or apps where you don’t even see a seed phrase – you just log in with Gmail and you have a crypto wallet, with recovery tied to your email + phone for example. Of course, purists may still prefer a traditional seed-based wallet, but to get the next billion users, wallets will offer more familiar recovery options. We anticipate a future where losing your phone doesn’t mean losing all your crypto – you’ll have multiple ways (trusted contacts, cloud vaults, hardware modules) to restore your wallet securely.
社交恢復同無Seed帳戶開通：依託帳戶抽象，一般用戶其實可以慢慢唔再靠助記詞。類似Argent同啲MPC錢包嘅社交恢復方法實證有效——預期之後愈來愈多錢包（甚至MetaMask渠經Snaps新版本）會有社交恢復或用戶Key加密嘅雲端備份。同時，Web3Auth、Magic呢啲支持OAuth登錄自建非託管錢包嘅平台，好快成為dApp開發者減低用戶流失嘅主流。去到2025年，Coinbase等大公司已推Wallet-as-a-Service，即係企業可以用email link等方法幫用戶開戶、方便取回。即係話，到時好多game、app裝咗錢包但你未必見到助記詞——用Gmail登錄就即刻有Crypto Wallet，recover可以靠email + 電話。當然，硬核玩家仍會揀傳統助記詞，但要做大眾用戶，錢包要有親切簡單嘅恢復選項。我哋預見未來就算部電話唔見，都唔代表失晒所有Crypto——會有多種安全方式（可信聯絡人、雲端保險箱、硬件模組）幫你還原到錢包。
Multi-Chain to Omni-Chain: Wallets are rapidly expanding beyond Ethereum. Already, many EVM wallets added support for Solana, and Solana’s top wallet (Phantom) added Ethereum, etc. This cross-pollination will continue until wallets become omni-chain super-apps. We’re likely to see more wallets integrating support for non-EVM chains like Bitcoin, Cosmos, or even emerging ecosystems, because users hate juggling separate wallets. MetaMask’s Snaps enabling Polkadot or Cosmos support is one path; another is wallets like Zerion launching their own Layer-2 (the ZERO network) to aggregate cross-chain activity. In the near future, your wallet app could seamlessly handle assets on Ethereum, Solana, Bitcoin, Cosmos, all under one roof. From a user perspective, the distinction between chains might become invisible: the wallet will handle bridging or use of different networks behind the scenes. For example, you might just see “USD stablecoin” in your balance and the wallet manages whether it’s on Ethereum or a layer2 for cheap fees. Cross-chain messaging protocols (like CCIP or Axelar) might let wallets initiate an action on one chain that results in something on another, all in one go. So expect “multi-chain support” to evolve into a more unified experience across blockchains.
多鏈至全鏈：錢包唔再淨係得Ethereum，已經有好多EVM錢包支援Solana，Solana最紅嘅Phantom都加咗Ethereum，雙向融合會繼續直到變成全鏈Super App。將來會有更多錢包直接支援比特幣、Cosmos甚至新生態，因為用戶唔想成日換錢包。MetaMask可以靠Snaps接駁Polkadot/Cosmos，Zerion則推自家Layer2（ZERO Network）統一多鏈活動。好快你一個錢包App可以同時管理ETH、SOL、BTC、ATOM等資產。從用戶角度嚟睇，以後分唔到邊條鏈，因為錢包會自動幫你搞掂跨鏈、過橋等技術細節。例如，只見到自己有“USD穩定幣”，但背後可能幫你安放喺Ethereum或L2以節省Gas。跨鏈協議如CCIP、Axelar已經令一條鏈上操作自動影響另一條鏈，體驗真正跨鏈。多鏈支援會再進化成無界限嘅用戶體驗。
Wallets as Super-Apps & Financial Hubs: Wallets are adding so many features that they’re turning into crypto super-apps. The trend is that a wallet will not just store your coins, but provide a suite of financial services: trading, yield earning, NFT marketplace, governance voting, even things like ENS domain management and messaging. Already Trust Wallet and Crypto.com Wallet incorporate swaps, staking, and dApp browsing. Coinbase Wallet links to their exchange for easy buying. We foresee wallets continuing to integrate whatever users need so they don’t have to leave the app: you might have integrated tax reporting (e.g., a tab in your wallet that shows your taxable gains), analytics dashboards (identifying your best/worst yielding investments), maybe even social features (some wallets like Argent experimented with adding an address book and username system, and Zerion introduced a social feed of NFT collections). Wallets are also likely to integrate decentralized identity (DID) components – so your wallet could hold your identity credentials, proofs, and you could use it to log in to services in a privacy-preserving way. Essentially, the wallet might become the “browser” for Web3 in a full sense: not just handling money, but your digital identity, assets, and interactions.
錢包變Super App及金融樞紐：而家錢包功能愈加愈多，已經朝住全能Super App方向走。唔淨係儲幣咁簡單，仲有交易、賺取收益、NFT市場、治理投票，甚至ENS域名管理、訊息功能等。Trust Wallet、Crypto.com Wallet已經融合Swap、Staking、dApp內置瀏覽器。Coinbase Wallet可直通交易所即時買幣。預計錢包會集成所有用戶需要功能，唔需要轉App：例如直接Tax報告（即係錢包入面有頁面睇得出交稅數）、投資回報分析（識揾出你最佳/最差的倉位）、甚至社交功能（Argent試過搞聯絡簿/用戶名，Zerion有NFT動態Feed）。同時會融入去中心身份（DID）模組——你可以拎錢包做身份證明，隱私認證登入各種服務。總括而言，錢包會成為Web3嘅「瀏覽器」：不單管理資產，更管理你嘅數碼身份、物品同網上活動。
Embedded Wallets and Invisible Crypto: A significant trend is wallets being used in the background of mainstream apps, making crypto invisible. For instance, consider a game that gives users NFT items – the user might not need to install MetaMask; the game will create and manage a wallet in-app (possibly using an embedded wallet SDK or Wallet-as-a-Service platform). This is already happening: Reddit’s Vault wallet for their collectible avatars is one example, where millions got wallets without realizing it. Going forward, many apps will have “native wallets” powered by blockchain under the hood. These wallets often use account abstraction to let the app sponsor gas fees (so the user isn’t bothered with crypto tokens at first). Over time, these users might graduate to controlling their wallet more directly (maybe exporting it to a full app like MetaMask). But the key is, user experience will trump all – people may use blockchain without the clunky parts. For the wallet developers, this means creating SDKs and APIs for easy integration; indeed, companies like Coinbase (Wallet as a Service) and Alchemy are offering exactly that. So the “future of wallets” might also be no visible wallet at all – just your app with a crypto wallet seamlessly embedded.
內嵌錢包與無感加密：一大趨勢係主流App會內藏錢包令加密「隱形」。例如一隻game送NFT道具，用戶根本唔洗裝MetaMask，遊戲App自己（可能用內嵌錢包SDK或即服務平台）就即時產生同管理錢包。Reddit Vault錢包就係一例，幾百萬用戶唔知唔覺有咗錢包。將來好多App都會有「原生錢包」內部由區塊鏈支援。呢類錢包多數用帳戶抽象功能，app自動幫user畀gas，唔會一開始要用戶接觸幣。日後用戶可以漸漸進階，導出錢包到MetaMask等完整錢包App手動管理。最緊要係User Experience會優先一切——大家甚至用緊區塊鏈都無感覺。對錢包開發者而言，即係要易整合嘅SDK、API，公司如Coinbase（Wallet as a Service）、Alchemy等已經提供。咁「未來錢包」甚至可以係無形於形，只係你App內全自動連通嘅錢包模組。
Regulation and Compliance Features: As crypto goes mainstream, regulators are focusing on self-custody and wallets too. By 2025, regulations like the EU’s MiCA impose certain rules that could affect wallets (e.g., custodial wallet providers need registration, etc.), and there’s talk of requiring risk disclosures to users. We might see wallets including compliance tools for those who want them – for instance, an option to screen addresses against sanction lists to avoid receiving tainted funds, or built-in travel rule messaging for large transfers between regulated
規管同合規功能：加密進入主流後，各國監管機構都開始重點關注自主管理資產同錢包。去到2025年，例如歐盟MiCA規例已對錢包有新規定（例：有託管功能嘅錢包服務商要註冊），亦傳出要向用戶披露相關風險。相信未來會有錢包加埋合規工具畀有需要嘅用戶——例如可以查核轉帳地址有冇制裁風險，或者內置「旅遊規則」訊息功能，照顧受監管洗錢要求嘅大額轉帳。entities. Already, some wallet providers in the US/EU consider adding features to let users tag their identity (voluntarily) for compliance when moving funds to exchanges. On the flip side, privacy-focused wallets might integrate more with things like CoinJoins, Tornado Cash alternatives, or threshold signature schemes to preserve anonymity. It’s a bit of a fork: some wallets will cater to a regulated audience with more oversight features, while others double down on privacy and decentralization. But we expect mainstream wallets to play ball with laws to stay available on app stores. This could simply mean more education pop-ups (“beware of tax obligations”) or technical changes like requiring an extra confirmation if sending above a threshold, etc. Keep an eye on how wallet providers navigate this – the best will likely allow compliance as an option without forcing it on users who don’t need it.

實體。現時，美國/歐盟有部分錢包供應商已考慮加入功能，讓用戶在轉帳到交易所時（自願）標記身份，以便符合規管要求。另一方面，主打私隱的錢包則可能會加強與CoinJoins、Tornado Cash 替代方案或 threshold signature 等技術整合，以保護匿名度。這情況有點像分岔：有啲錢包會迎合受規管用戶，加強監管功能；另一些則更強調私隱同去中心化。不過，我哋預期主流錢包為咗繼續喺App Store上架，會配合法規。呢個可能只係多啲提示教育彈窗（例如「注意稅務責任」），又或者技術上要求用戶超出指定金額時要額外確認等等。要留意錢包商點處理呢個問題——最理想係提供合規作選項，而唔係強行要求所有用戶都跟從。

AI Integration: A buzzword, yes, but there’s plausible use for AI in wallets. Imagine an AI assistant in your wallet that can explain a smart contract you’re about to interact with in plain language (“this contract will take 5% of your deposit as a fee, are you okay with that?”), or an AI that monitors your transactions for unusual patterns and alerts you (“this looks like a known scam, do not proceed”). Some industry voices suggest AI could help in risk assessment and user education within the wallet interface. We might see early versions of this as simple as a chatbot in the help section, or as advanced as analyzing on-chain data to give you insights (like “your spending on gas is high, consider using Layer-2”). The caveat is to avoid hallucinations or errors from AI – but with proper training on blockchain data, an AI could genuinely enhance user decision-making and security in wallets.
AI 整合：雖然AI係潮語，但AI喺錢包應用有實際用途。想像下，你嘅錢包入面有個AI助手，可以用白話解釋你準備操作嘅智能合約（例如：「呢份合約會抽取你存款5%作為手續費，你接受嗎？」），或者用AI監察你嘅交易，有異常時即時提示（例如：「呢筆交易疑似已知騙局，建議唔好繼續。」）。業界有人認為，AI可以幫助錢包使用者做風險評估同教育。初步應用可能只是簡單chatbot駐喺幫助頁；更進一步可以分析鏈上數據，俾你洞見（例如：「你最近gas費好高，可以考慮用Layer-2。」）。唯一要留意，係避免AI出錯或亂估如幻覺—但如果用區塊鏈數據適當訓練，AI真係可以提升用戶決策同安全體驗。
Wallets beyond Finance – Social and Metaverse: As Web3 extends into social media (e.g., Lens Protocol) and gaming metaverses, wallets might incorporate social graphs. A future EVM wallet might show not just tokens, but friends – for instance, which friends are online or what NFTs your friends have recently obtained, turning the wallet into a social dApp. Features like wallet-to-wallet messaging (secure DM by wallet address) could become standard; a few wallets have toyed with this but it hasn’t taken off yet. With Ethereum’s push into being an identity layer (Sign-in with Ethereum, etc.), your wallet might hold profile data (avatar, bio) that you can share selectively. Metaverse platforms might have custom wallets storing not just financial value but game assets, achievements, even avatar configurations. We expect mainstream wallets to integrate with these uses or provide plug-ins – perhaps via something like Snaps or modules – so that your wallet can display and manage more than just coins (some already list POAP badges, for example).
錢包跳出金融——社交同元宇宙：隨住Web3打入社交媒體（如Lens Protocol）、遊戲元宇宙，錢包可能會整合社交網絡圖。未來嘅EVM錢包可能唔止顯示代幣，連朋友都有晒—例如會顯示邊個online、或者你朋友最近攞咗咩NFT，將錢包變成一個社交dApp。錢包對錢包私訊（用地址發送加密DM）可能會成為標配；雖然已有少數錢包試過，但未算流行。隨住以太坊定位做身份層（如Sign-in with Ethereum），將來你個錢包可以儲avatar、簡介等profile資料，按需要分享。元宇宙平台可能會有自家wallet，不只儲錢，仲儲遊戲資產、成就、avatar設定等。我哋預期主流錢包會支援呢類功能，或者提供插件（好似Snaps或modules），俾用戶管理及展示唔止加密資產（例如有啲已經列出POAP badges）。
Market Growth and User Base Explosion: Lastly, beyond tech features, an obvious but important “trend” is sheer growth in user numbers. Projections by industry figures suggest crypto wallet users could reach 1 billion within a few years and up to 4 billion by 2030 if current adoption rates continue. That would mean nearly half the world’s population might be using some form of crypto wallet by decade’s end. Whether or not one believes those exact numbers, the direction is clear: mass adoption is on the horizon. This will put pressure on wallets to scale – in terms of infrastructure (handling that many daily active users), support (customer service, localization into dozens of languages), and accessibility (catering to people with little tech background). It also means the wallet competitive landscape will heat up. We might see big tech companies get into the wallet game (some have already dabbled – e.g., Samsung has a built-in wallet, Twitter created wallet prototypes for tipping). The next wave of users will likely prefer wallets that can be as easy as possible – likely those with account abstraction enabling social login and minimal crypto jargon. So the race is on among wallet providers to capture this massive future user base.
市場增長與用戶爆發式成長：最後，除咗技術功能，另一個明顯又重要嘅趨勢就係用戶數量大幅增加。業界預測，數年內加密錢包用戶可能達到10億，到2030年如果採用率持續，目前最多有機會去到40億，即係全球差唔多一半人年底前都會用某種加密錢包。不論你信唔信嘅數字，方向明確：大眾普及絕對係未來。錢包要應付龐大用戶量，喺基建（夠唔夠日活躍人數）、支援（客服，本地化二十幾種語言）同易用性（方便冇技術底嘅人）都要進化。競爭亦會白熱化，科技巨頭可能加入戰局（有啲已經參一腳—如Samsung有內置錢包，Twitter都試整小費錢包Prototype）。下一代用戶預計會追求極易用嘅wallet，極可能係支援賬戶抽象，容許社交登入，最少行業術語。即係話，錢包商之間爭奪日後海量用戶基礎嘅賽跑已經開始。

In summary, the future of EVM wallets points toward greater abstraction of complexity, deeper integration into daily digital life, and enhanced security without sacrificing usability. The wallets that succeed will be those that manage to be invisible when they need to be (removing friction) and extremely insightful when the user needs guidance. As the technology under the hood (Ethereum protocol upgrades, Layer-2s, cross-chain bridges) improves, wallets will leverage it to offer smoother experiences – perhaps one day making interacting with Web3 as easy as using a web browser or an email account. The evolution we’re witnessing – from clunky seed phrase apps to smart, user-friendly wallets – is laying the groundwork for that mainstream reality.

總結：EVM 錢包嘅未來走向，更高層級抽象、更深融入數碼日常、同時加強安全而唔犧牲易用性。最出色嘅錢包應該係—喺用戶需要時帶嚟洞察指引，用戶唔需要時你幾乎唔察覺佢存在（減少摩擦）。隨着底層技術進步（如以太坊升級、Layer-2、跨鏈橋），錢包會用佢哋嚟打造更順暢體驗——將來用Web3會唔會簡單到好似用browser或者email一樣？我哋正經歷由「難用seed phrase app」進化到「智能、友善」錢包，呢個係大眾普及Web3先決嘅基礎。

How to Choose the Right EVM Wallet for You

點揀啱自己嘅EVM錢包

Given the many options and features we’ve covered, you might be wondering: How do I pick the wallet that’s best for my needs? The truth is, the “best” wallet is subjective – it depends on your use case, skill level, and what you value most (convenience vs. control, simplicity vs. features). Here we outline a decision framework to help you choose an EVM wallet (or combination of wallets) that fits you in 2025:

咁多選擇同功能，大家一定會問：究竟邊款錢包最啱自己？其實「最好」係因人而異——要睇你點用、有幾熟、最著重咩（便利定自主、簡單定多功能）。以下為你梳理一個選錢包（或組合）嘅思路，方便你喺2025年作選擇：

Identify Your User Level and Goals. Are you a beginner just starting with a small amount of crypto? An active DeFi user trading and yield farming daily? A long-term investor who mainly needs secure storage? Or perhaps a developer or DAO member needing advanced functionality? Your profile will guide your choice. For example, beginners should prioritize ease-of-use and safety nets, while advanced users might prioritize customization and integration with hardware or multi-sig. If you know what you want to do (e.g., “I want to play with NFTs on Ethereum” or “I just want to buy and hold some tokens”), that’s a big clue to the type of wallet. As a rule of thumb: use user-friendly wallets for learning and simple tasks, and migrate to more sophisticated wallets as your involvement deepens.
釐清自己定位同目標。你係新手，剛開始玩小量加密貨幣？係日日DeFi炒幣/耕田用家？定係重投資，主要儲存資產要安全？又或者你係開發者或者DAO成員，要高級功能？你自己嘅profile會指引你選擇。例如：新手應以易用同有防護網為主，高階用家可以追求自訂性、支援硬件或者多簽。你知自己玩咩（例如「想玩Ethereum NFT」、「淨係買入持有Token」），就已經篩咗一大輪。簡單指引：學習同做簡單操作揀user-friendly錢包，愈深入玩愈可以過渡去進階款式。
Decide Which Chains and Assets You Need. Make a list of the blockchains you plan to interact with. Is it just Ethereum mainnet? Or also Binance Smart Chain, Polygon, Arbitrum, etc.? Do you need support for non-EVM chains like Solana or Bitcoin? If you are mainly sticking to Ethereum and a couple of ERC-20 tokens, a simpler EVM-only wallet (like Rainbow or MetaMask) is fine. But if you know you’ll diversify to many networks, a multi-chain wallet (Trust Wallet, Coinbase Wallet, Crypto.com DeFi Wallet, etc.) will serve you better. Also, consider asset types: if you’re heavily into NFTs, choose a wallet known for good NFT support (e.g., Phantom for Solana+ETH NFTs, or Rainbow/MetaMask which show NFTs). If you are a yield farmer on multiple chains, ensure the wallet can easily add custom RPC networks or has bridging capabilities. Align the wallet’s supported ecosystems with your intended activity.
選定你要用咩鏈／資產。列一列你會互動嘅區塊鏈：淨係Ethereum主網？定還有BSC、Polygon、Arbitrum等？有冇需要支援非EVM鏈（如Solana、Bitcoin）？如果你大部分都係Ethereum+幾隻ERC20 Token，其實EVM only（如Rainbow、MetaMask）已足夠；要分散玩多條鏈，選多鏈錢包（Trust Wallet、Coinbase Wallet、Crypto.com DeFi Wallet等）會更好。另外要諗下資產類型：如果玩NFT多，要揀顯示NFT表現好嘅（Solana+ETH NFT推Phantom，純EVM可選Rainbow/MetaMask）。多鏈耕田人要確保錢包可以好易加自訂RPC，或者內建Bridge。總之，錢包支援之生態同你嘅用途要吻合。
Evaluate Security Needs and Comfort. This is crucial. Ask yourself: how much value will I be storing (relative to what you’re willing to risk)? Are you comfortable managing a seed phrase securely, or would you prefer a wallet with alternative recovery options? If you’re dealing with large sums or you simply want maximum security, lean towards wallets that support hardware wallets or consider using a smart contract wallet with multi-sig or social recovery (Safe or Argent). On the other hand, if you’re a casual user with a small portfolio, you might trade a bit of theoretical security for more convenience (like using a mobile wallet with cloud backup of keys). If you go that route, ensure the wallet at least encrypts any backup with a strong password. Also, self-assess: Are you disciplined with security? If not, maybe a wallet that prevents you from making certain errors (like Rabby with transaction simulations, or Walllet.com that removes seed phrase risk) would be beneficial. Remember, there’s no customer support to undo mistakes on-chain, so pick a wallet that matches your ability to keep keys safe. Non-custodial is the ethos, but if you truly feel unable to manage a self-custody wallet, you might start with a semi-custodial solution or an exchange wallet and transition later – though we encourage learning self-custody with small amounts to build confidence.
評估自己對安全嘅需求同信心。非常重要。問下自己：會擺幾多錢（同你願意承受風險比）？你識妥善管理seed phrase，定係寧願用有其他恢復方法嘅錢包？如果係大額、追求最高安全，無論如何優先硬件錢包，或者選用智能合約wallet，支援多簽／社交恢復（Safe/Argent）。反之，如果只係小額用家，可能情願換取多少理論安全度，搵手機雲備份key更方便。不過都要確保錢包最少加密備份要用強密碼。同時誠實睇自己有冇安全意識；冇的話，建議用一啲會預防你犯錯嘅wallet（如Rabby有tx模擬，Walllet.com直接無種子短語）。記住，on-chain出錯無客服幫你追回，所以錢包要襯你自己保鎖匙能力。非託管當然係理念，但如果真係唔信心做自託管，可以先用半託管方案／交易所wallet日後再轉，建議初期用小額練習下build信心先。
Consider User Experience and Device Preference. Do you prefer using mobile or desktop? Some wallets are mobile-only (e.g., Rainbow, Argent mobile) while others are primarily browser extensions (MetaMask, Rabby, Frame). If you want to do quick transactions on the go, a good mobile wallet is essential (Trust Wallet, Coinbase Wallet, etc. are strong choices). If you do complex DeFi, you might favor browser extensions or desktop apps for easier multi-tasking and using hardware wallets. Ideally, choose a wallet that has both mobile and browser support and can sync between them if you need that flexibility. Also, think about UI: Are you someone who wants a clean, simple interface (even if it means fewer features visible)? Then wallets like Exodus or Rainbow might delight you. If you prefer lots of information and buttons at your fingertips, a more feature-dense UI like MetaMask (with advanced settings turned on) or certain dashboards might suit you. User reviews and trying the demo or screenshots can help – some wallets have a distinct “feel,” and you should feel comfortable navigating it. After all, you’ll likely use it often, so UX matters for reducing mistakes and frustration.
考慮用戶體驗同裝置。你鍾意用手機定desktop？有啲錢包只係手機App（如Rainbow、Argent mobile），有啲以瀏覽器擴充為主（MetaMask、Rabby、Frame）。想喺街做快速交易一定要好手機Wallet（Trust Wallet、Coinbase Wallet等都好），玩複雜DeFi可以prefer browser extension或desktop app，更容易多線操作同用硬體錢包。最好係同時支援手機+browser，仲可同步，如果要彈性多。又要留意UI：你鍾意乾淨、簡單介面（少啲功能look見唔到都唔緊要）？咁可睇Exodus/Rainbow。如果想咩功能都一齊睇、手到拿來，MetaMask開咗高階設定或者一啲dashboard錢包會啱。用戶評價、或者試用demo、睇screenshot有幫助——有啲wallet好有「手感」，要自己用落覺得舒服。畢竟你都會經常用，UX好啱減少犯錯同唔開心時刻。
Feature Requirements: Must-haves vs. Nice-to-haves. Make a list of features you absolutely need. For instance: Built-in swaps or dApp browser – do you want the wallet to have these, or are you okay using external sites? (Many wallets have them now, but not all.)

NFT support – if you have NFTs, ensure the wallet shows them and can send them.
Multi-account management

功能要求：「必須」vs.「有更好」。列低你真係不可缺少嘅功能，例如：

內建Swap或dApp瀏覽器——你係要個錢包有呢啲功能，定可以自己開外部網頁處理？（而家好多wallet有，唔係全部都有。）
NFT支援——你有NFT的話，要確保wallet可以顯示同發送NFT。
多賬戶管理– 如果你打算管理多個地址（例如一個用來做DeFi，一個用來NFTs），要確定個錢包容唔容易切換帳戶或新增帳戶。
法幣入金渠道 – 有啲錢包本身支持用銀行卡入錢買虛擬貨幣（例如 Coinbase Wallet、Trust 透過第三方）。如果你覺得呢個功能重要，就記得揀啱錢包。
Staking 及 DeFi 連接 – 如果你打算 stake ETH 或其他幣種，要睇下錢包本身有冇直接支持，或者可以經 WalletConnect。
自訂網絡 RPC – 對開發者嚟講，或者想連接測試網又或者唔常見鏈嘅人，呢個功能好重要。
客戶支援同社群 – 新手可能會比較想揀一個有反應快嘅客服或者大社群嘅錢包（例如 MetaMask 有好詳細教學同討論區，Coinbase Wallet 用戶可以搵 Coinbase 官方客服等等）。細錢包可能主要靠 Discord 等社群幫手。
將功能分開必要功能同可選功能。咁樣可以收窄選擇範圍—例如如果你堅持一定要支持硬件錢包，有啲只可以用手機、唔支援 Ledger 嘅錢包就可以排除。如果多簽功能係必需，基本就要揀 Safe 或類似產品。相反，不要被啲你唔需要花巧功能吸引。有時候一個簡單、穩定嘅錢包，實際用途仲好過堆滿唔會用到嘅花巧功能。

試用同測試：揀到合適嘅一個或幾個錢包後，可以先用小額測試。用多幾個錢包分用途亦都好正常（甚至係建議）。你可以同時用好似 MetaMask 及 Trust Wallet，之後再揀一個做日常主力。又或者兩個都用—例如 Trust Wallet 喺手機做快查，MetaMask 喺電腦做 DeFi 農場。親身試過用先會知有咩易用性問題，以及自己啱唔啱用。最緊要係練習備份同恢復流程：例如備份好 seed phrase，再試下喺另一部裝置還原返。咁你萬一有事，先有信心 recover 到。啲紙面睇落好好嘅錢包，實際用起上嚟可能亂晒龍—最好都係喺輸十蚊嘅時候學識，而唔係輸一萬蚊。
混合用法：無話一定只可以用一個錢包—其實好多虛擬貨幣用戶都會組合使用：例如用硬件錢包（Ledger）儲蓄，MetaMask 連接 dApp，手機錢包做日常細額轉帳。咁可以將風險分開 compartmentalize—例如一個錢包做「活期」，一個做「長期保險箱」。如果要咁用，記得要有個方法記得邊個錢包裝咩。用多幾個錢包而家易好多，因為有 WalletConnect 呢啲標準，可以隨時彈出個硬件錢包帳戶去手機 dApp 度用。記住每個錢包用嚟做咩都要規劃好：例如 Safe 或 Ledger 負責高保安，Rabby extension 負責日常快速 DeFi，一個界面簡單啲嘅用嚟試新野。只係唔好搞到太複雜搞亂自己唔記得自己資產放咗邊。
驗證同安全下載：揀好個錢包之後，一定要喺官方渠道下載。Browser extension 要入官方官網或用佢提過嘅 Chrome Web Store 連結。手機就用佢官網介紹 App Store／Google Play 連結。有唔少假冒錢包—一定要 double check 開發者名稱同評分。安裝好之後，建議開晒所有錢包支援嘅額外保安設定（例如設好密碼、開指紋或面容解鎖等）。

總結嚟講，揀錢包最重要係個設計同你自己嘅需要同習慣配合。對有啲人嚟講，一啲設計簡潔、細緻選擇過嘅錢包（例如 Coinbase Wallet、Exodus），可以幫佢哋減少混亂同犯錯機會。而對另外啲人，MetaMask 或 Safe 咁嘅高彈性錢包，亦值得付出時間學習。記住，你隨時可以轉用其他錢包—你資產係區塊鏈上，只要 seed phrase／私鑰 keep 得好，總可以導入去另一個 app。如果你初初用緊個錢包覺得舒服，同時鼓勵你做好保安咁就最啱你。

最後，唔好怕問社群意見。留意最新 user 評價（要 recent 嘅—有啲錢包一年內變咗好多）。Reddit、Telegram 等社群成日有討論優缺點。不過要小心嗰啲 scam—淨係相信官宣或者公開 user 經驗，唔好信陌生 DM 話幫你。

揀 EVM 錢包有啲似同時揀銀行、電腦同保險箱—真係要做足功課。好彩而家可以試下幾個，再搵啱自己。隨住你嘅需要變，都可以轉用更適合新目標嘅錢包。

最後感想

虛擬貨幣錢包畀人成日形容做「Web3 嘅入門大門」，去到 2025 呢個大門比以前更加重要。EVM 生態愈來愈蓬勃—由 DeFi 市場到 NFT 社群，多鏈發展—你揀咩錢包會大大影響你嘅 Web3 體驗。啱嘅錢包唔單只保管你資產安全，仲可以幫你便快進入你想用嘅 dApp 同服務。正如上文講過，錢包產品選擇非常豐富—由超簡單新手向 app 到進階用家專用平台，各有長處同 trade-off，針對唔同用家需要。

對新手嚟講，Walllet.com 或 Coinbase Wallet 呢啲錢包證明咗用戶友善同保安可以並存，降低咗新一波加密用戶進場門檻。活躍交易員、DeFi 玩家又多選擇，例如 Trust Wallet、Phantom、MetaMask 這類都已經變成多鏈控制中心，build 咗啲啱經常用戶特別需要嘅功能。對進階用戶嚟講，Account Abstraction 新型錢包、多簽方案如 Safe、同硬件整合進步，已達到以前冇見過嘅安全同功能水平。

2025 嘅錢包領域可以話又多元又活躍。最重要係，唔係零和遊戲—好多用戶本身就同時用幾個錢包，唔同錢包有唔同用途，冇問題。而家生態越嚟越成熟，轉資產同身份去唔同錢包都流暢咗。錢包科技創新（例如 Social Recovery、Gas Abstraction 等）逐步解決咗傳統保安同便利嘅矛盾。你會發現而家嘅錢包設計越來越安全之餘，用落又易上手。

呢啲都係大規模普及之兆：錢包愈做愈方便，用戶就愈易安全咁進入 decentralised 世界。展望未來，EVM 錢包真係好大機會成為數碼生活一部分。有日錢包會同 email app 一樣普及易用，可能喺好多主流應用 program 背後靜悄悄運行。Account Abstraction 同更直觀嘅恢復方式應該會繼續發展，到時加密錢包連唔識科技嘅人都會用到。有啲預測仲話去到十年尾，全球加密用戶可以到達十億人數級，錢包——即係 crypto 嘅 user agent——會成為關鍵基建。

總結，揀咩錢包係非常個人個決定，一定要配合你點樣同 Web3 互動。諗清自己 skill level、自問主要做啲咩（儲幣、交易、創作等等）、同埋保安要求。好消息係而家市面上總有一個啱你—無論你想要簡單、進階功能或者最強保安，2025 嘅頂級 EVM 錢包都覆蓋晒你需要。科技生態日日進步，記得 keep 住留意新功能、新產品類型，定時檢討你用緊嗰個仲啱唔啱自己同是否跟得上最佳做法。

最終，用錢包自主管理資產其實係一種 empowerment。等你真係控制自己嘅 digital 資產同身份。責任愈大之餘，只要你有合適錢包同少少知識，其實絕對 manage 到。2025 嘅錢包已經比以前易用好多，仲會愈嚟愈方便。咁準備個適合你嘅錢包，跟足保安建議，有信心踏入愈來愈大嘅 Web3 世界。旅程只係啱啱開始，你個錢包會一直係你嘅旅途好拍檔。