隨著去中心化金融（DeFi）在2025年全球鎖倉價值突破1,300億美元、數千萬用戶湧入，這場金融革命之門已聚焦在自主管理的 DeFi 錢包。近年 FTX等中心化平台崩潰 徹底改變生態，選擇合適的錢包，如同過往選擇銀行一樣重要──但自由度更高、責任也更重。
DeFi 已從加密貨幣的小眾領域，發展成炙手可熱的金融新前線。2025年中，DeFi 協議總鎖倉價值攀上約1,300億美元，較年初翻倍。這波復甦來自於歷經波動的週期：2021年 DeFi 用戶激增，2022年市場低迷，至2024、2025年再次強力回彈。用戶基數同樣穩步擴展。全球用戶在2021年底一度高達750萬，如今增長更快。
有分析預估2025年全球將有數千萬用戶擁抱 DeFi，僅北美逾1,000萬、亞洲超過1,600萬人。這種爆炸性成長展現 DeFi 錢包已成為普通投資人探索去中心化金融的必備入口。
過去，加密資產管理多依賴交易所或單一加密錢包。2022年 FTX 等中心化平台接連爆雷，讓大家見識到資金託管於第三方的風險。愈來愈多用戶投入「自主管理」，DeFi 錢包成為安全替代方案。2025年，這些自主管理錢包堪稱 DeFi 生態重要支柱──讓全球數百萬人可以不經第三方，自由借貸、交易、投資加密資產。
這些錢包讓用戶真正做自己的銀行，完全掌握多種數位資產，同時解鎖各式區塊鏈服務。
DeFi 規模仍然占全球金融極小一部分，但增速極快，相當於選銀行一樣，「選錢包」變得至關重要。接下來，我們將解析什麼是 DeFi 錢包、它與其他加密錢包的不同之處；拆解各式 DeFi 錢包類別，依據2025年數據與特色完整評比十大最佳 DeFi 錢包，並協助你評估如何挑選最適合自己的產品。看完本文，你將取得一份清晰的導航圖，讓你能安全自信地闖蕩 DeFi 世界。
什麼是 DeFi 錢包？和其他錢包有什麼不同？
DeFi 錢包本質上是一種讓用戶可完全掌控數位資產的加密錢包──通常屬於非託管型，專為無縫連接去中心化金融應用所設計。你必須自己保管私密金鑰（多以12或24字的助記詞形式儲存）。
這代表只有你本人能存取與轉移資金。相較之下，中心化交易所的錢包（即「託管型」錢包）是由平台掌控金鑰，類似銀行持有你的錢。使用 DeFi 錢包，沒有銀行或交易所能凍結帳戶或限制你的交易。這種根本區別賦予用戶前所未有的自由，同時責任也更大：如果你遺失錢包的恢復助記詞，沒有人能協助你重設。簡單說，DeFi 錢包把完整所有權（相關安全責任）全然交到用戶手上；而交易所錢包則像是由公司掌控的帳戶。
DeFi 錢包通常比單一幣種錢包（例如只支援 Bitcoin 的基本錢包）或交易所提供的託管錢包具備更高彈性。
很多早期用戶只使用專屬 Bitcoin 錢包收發 BTC，但這種錢包無法直接連接像 Uniswap、Aave 這類 Ethereum 上的 DeFi 協議。反觀 DeFi 錢包專為互通性打造，通常支援多種代幣與區塊鏈，並整合質押、借貸、交易、甚至跨平台 NFT 收藏等功能。
實際上，DeFi 錢包就像 Web3 世界的護照：今天可以在去中心化交易所換幣，明天就能提供流動性給借貸池，全部由同一個錢包介面完成。
另一個重大區別，是登入與連結方式。用交易所錢包或金融 App，習慣以信箱/密碼、生物辨識登入，再獲得資金存取權限。DeFi 錢包則免去中介，使用錢包地址直接連接去中心化應用（dApp），在錢包內確認交易，不需單獨登入。例如，當你訪問 DeFi 借貸應用或 NFT 市集，只會看到「連結錢包」按鈕，而非傳統的登入界面。只要錢包當前已解鎖，畫面就會跳出需求授權連結。
「錢包即登入」的設計是 Web3 核心：一個錢包就能作為無數 dApp 的通用身分登入，交易全部以加密簽章取代帳號密碼。
類型上，DeFi 錢包大致分為軟體型與硬體型。軟體錢包是 App 或瀏覽器擴充元件（常稱「熱錢包」），如 Trust Wallet、MetaMask，可於行動裝置或網頁瀏覽器操作，免費、設定快速，非常適合日常頻繁使用。硬體錢包則是實體裝置（類似USB隨身碟），將私鑰離線儲存（即「冷錢包」）。
以 Ledger、Trezor 等品牌為代表。硬體錢包最大優勢是私鑰永遠不會暴露於網路環境，大幅提升資安，但臨時交易較不便捷。許多 DeFi 愛好者會雙管齊下：大額資產用硬體錢包保管，日常流動資金則用軟體錢包（兩者也常可連動搭配）。
那麼，「DeFi 錢包」與一般加密錢包有何區別？
雖然二者界線有時難分，但一般而言 DeFi 錢包強調支援去中心化應用、多資產互通。例如基本 Bitcoin 錢包無法直接跟智能合約互動、也看不到 NFT，但 DeFi 錢包通常具備這些特性。DeFi 錢包亦普遍支援 Web3 瀏覽器或 WalletConnect，可作為通往 DeFi 交易所、流動性挖礦、NFT 平台等多元服務的萬用入口。概括而言，只要是非託管、可連通 DeFi 協議的錢包，都屬於 DeFi 錢包範疇。但每個錢包都有自己的生態圈和限制，充分理解類型與功能差異非常重要。
DeFi 錢包的類型與主要差異
並非所有 DeFi 錢包都相同──多樣化選項也是加密錢包領域的優勢之一，以下是幾個重要區別：
託管性
幾乎所有標榜「DeFi」的錢包設計上都是非託管（由用戶自主管理金鑰）。少數有「混合型」方案，例如部分中心化交易所已推出「DeFi 錢包」App，讓用戶有金鑰掌控權，同時與既有服務整合。若你追求資金主權，必須確認錢包為非託管型，否則就不是真正的 DeFi 錢包。
硬體與軟體
如前所述，硬體錢包（如 Ledger、Trezor）屬於實體裝置、冷錢包，常透過 Ledger Live 或用 USB/Bluetooth 與 MetaMask 之類的軟體介面連結進行 DeFi 操作。硬體錢包安全性極高，私鑰永不離開裝置本體，臨時交易時較不便。軟體錢包如 MetaMask、Trust Wallet則用於手機或電腦，易上手、轉帳迅速，安全性取決於個人裝置與使用習慣。許多用戶會大額資產放硬體、日常零用由軟體錢包管理。
平台與載體
DeFi 錢包有多種型態──手機App、瀏覽器擴充套件、桌面應用，甚至純網路錢包。手機錢包如 Trust Wallet、SafePal、Argent 等以介面親民、攜帶便利而受歡迎。瀏覽器擴充錢包 MetaMask、Phantom 因可直接串連桌面 dApp 風靡桌機用戶。部分錢包同時有手機版與瀏覽器版本（如 Coinbase Wallet、SafePal 皆有兩種），新興趨勢還有多平台同步錢包，讓你在手機、電腦間彈性切換。選擇何者，最終視你使用習慣而定：習慣走動，手機方便；常用筆電，網頁介面靈活。
支援的區塊鏈
另一重要區別是錢包支援哪些區塊鏈與代幣。有些錢包專注單一生態系。例如 Phantom 最初僅支援 Solana，之後才陸續支援以太坊等、Leather 或 Xverse 則專攻比特幣相關鏈。相對地，多鏈錢包如 Trust Wallet、Coinbase Wallet 則支援數十種以上主流網路（從Ethereum、BNB Chain、Polygon、Solana等皆有）。如你計劃深耕某特定DeFi生態，可能需要相對應的錢包（如專做Solana DeFi就要配合支援Solana的錢包）。 MetaMask – the popular Ethereum wallet – doesn’t natively support Solana).
另一方面，如果你擁有多條鏈上的資產，你會希望有一個可以集中管理所有幣的錢包。好消息是，你可以根據不同需求同時使用多個錢包——許多加密貨幣用戶都習慣這麼做。
Smart Contract Wallets vs. Externally Owned Accounts (EOAs)
不談太多技術細節，大多數基本錢包（如 MetaMask、Trust 等）會為你創建綁定於一組金鑰的個人帳戶——這類通常稱為 Externally Owned Account（EOA，外部擁有帳戶）。
相對地，有些錢包如 Argent 其實是智能合約錢包。Argent 透過以太坊上的智能合約程式實現進階功能，例如社會恢復（若你遺失存取權，可由受信任聯絡人協助恢復錢包）和安全交易規則。這類智能合約錢包可以實現更多創新功能（Argent 甚至允許你設定每日轉帳上限或白名單地址），但某些操作的網路費用可能較高，且會依賴底層區塊鏈功能。對用戶來說，體驗還是「錢包應用程式」，但底層運作跟傳統金鑰錢包不一樣。隨著帳戶抽象化技術成熟，未來或有更多錢包會採用智能合約帳戶帶來更大的彈性。
Key Management and Security Features
不同錢包對私鑰和安全性的處理方式不盡相同。傳統錢包會產生一組 12 或 24 個單詞的助記詞，必須自行妥善保存。遺失了就等同於失去所有資產——簡單（也很令人焦慮）。新一代錢包則試著解決這個困擾。例如 ZenGo 採用 MPC（多方計算）技術，將機密資料分散存在裝置與他們的伺服器之間，無單一助記詞，也沒單點失效風險——相當友善新手。Argent 的社會恢復則是另一種無助記詞的安全機制：用戶可指派「守護者」（可以是朋友或裝置），由他們協助恢復存取權。有些錢包也整合手機的硬體安全模組或生物辨識鎖保護 app。選擇錢包時要考慮哪種安全機制最符合你需求：經典的「自己抄下助記詞藏好」法，或是新式的近乎託管但不由第三方保管的自動恢復方案。每種方式在安全與便利性間都有取捨。
User Interface and Features
錢包的最大差異來自於功能。有些設計極度精簡，僅供存放與轉帳之用。也有些則像迷你金融平台，配備更多額外工具。許多 DeFi 錢包內建代幣兌換功能（如 MetaMask 有聚合 DEX 報價的 Swap 功能，Trust Wallet、SafePal 也有 Swap 或 DEX 選項）。部分錢包支援直接從 app 質押某些幣，甚至提供 DeFi 存借款一條龍功能。喜歡 NFT 的用戶會想選支持 NFT 顯示與轉帳的錢包——像 Rainbow 和 Phantom 的 NFT 介面很亮眼，而 MetaMask 預設則不會內建 NFT 收藏顯示。如果你準備用來管理 NFT，記得挑選 NFT 支援強大的錢包。另一個功能是 dApp 瀏覽器：許多行動錢包有內建瀏覽器，可直接在錢包 app 內造訪 DeFi 應用（如 Uniswap、Compound 等）。這讓手機用戶更方便。在桌機上，則是用瀏覽器擴充功能當作連接口接主網 dApp。
有些錢包還內建投資組合追蹤、幣價圖表、提醒以及教學內容等。最終，易用性很重要——錢包設計與功能必須契合個人需求和熟悉程度。新手可能會偏好簡明介面但仍能做基本操作（查餘額、兌換），而進階玩家或許需要多鏈管理、自訂網路、新增進階設定等。
總之，最適合你的 DeFi 錢包類型，取決於你準備怎麼使用。
你是只專注一條主網（如僅用 Ethereum）？還是會不斷跳鏈？你非常重視安全（傾向硬體錢包），還是追求使用便利與隨時可用？好消息是，你不用只選一種方案。根據用途分開使用不同錢包很常見：可能會用硬體錢包和 MetaMask 搭配來管理大額投資，用 Trust 這類手機錢包管理小型多鏈投資組合，特殊活動（例如 Solana NFT）則用專屬錢包。下一章我們就會介紹 2025 年最受推崇的十大 DeFi 錢包，各有專長，能給你一個實際參考。
Top 10 DeFi Wallets in 2025
以下是我們精選 2025 年最知名的十大 DeFi 錢包。
每個錢包都會註明推出年份或創立日期、估計用戶規模、主要優點、明顯缺點，以及一個精簡的評述說明其特色。這次名單是根據專家意見、市場口碑與加密社群實際使用度精選而來。
MetaMask （2016 年推出；約 3,000 萬月活躍用戶）
優點: 支援 Ethereum 及所有 EVM 相容鏈，遍及市場；無論是擴充套件或手機 app 都非常容易上手；與 DeFi dApp 深度整合——幾乎是所有基於 Ethereum 應用的預設錢包；可自訂網路（手動加上成千上萬條鏈）；內建 Token 兌換和質押功能。
缺點: 原生僅支援 EVM 鏈——如果是非 Ethereum 網路如 Solana 或 Bitcoin，需額外插件才行；屬於熱錢包（隨時連網），容易暴露於釣魚或惡意軟體威脅之中（必須警惕假網站與簽名請求）；無直接客服（自託管錢包），恢復機制完全依賴助記詞備份。
摘要概述: MetaMask 幾乎等同於「Web3 錢包」的代名詞，原因就是受眾極廣。它是 ConsenSys 於 2016 年打造，最早只是一款 Ethereum 的簡單瀏覽器外掛，如今已是 DeFi 世界的重要基石之一。MetaMask 讓你用幾個步驟即可連接任何 Ethereum dApp——無論是 Uniswap 換幣、Aave 借貸還是 NFT 鑄造。這些年來也擴展到 Polygon、Binance Smart Chain、Arbitrum 等屬於 Ethereum 技術生態的 L1/L2 網路。到了 2025 年，MetaMask 全球月活用戶已超過 3,000 萬人，是 DeFi 愛好者的首選錢包。主程式有瀏覽器擴充套件（Chrome、Firefox、Edge 等）和行動版 app。手機 app 內建 dApp 瀏覽器，是行動端一站式解決方案。MetaMask 好評主因是簡單易用——註冊快，連線 DeFi 網站也基本無門檻——與高度延伸性（可匯入 Ledger 硬體錢包，新增非 EVM 鏈支援如透過新版 Snaps 插件）。不過火紅同時也使它成了詐騙目標，過去就曾有偽冒網站或外掛誘騙用戶洩露助記詞。官方現已增設惡意網址偵測工具，但最終還是取決於用戶自身警覺。MetaMask 的限制（如預設功能略簡單、不顯示 NFT 或 Solana 資產等），並不影響它繼續成為 Ethereum 生態的基本錢包。免費使用（除了區塊鏈手續費與換幣服務費），功能也持續進化——2025 年 Snaps 插件大幅擴增彈性，謠傳已久的 MetaMask 代幣獎勵也將到來，標誌著此錢包從簡單工具躍升成 Web3 用戶的全方位平台。
Trust Wallet （2017 年推出；全球超過兩億次下載）
優點: 支援超過 70 條鏈、9 百萬枚代幣——真正多鏈；手機介面非常適合初學者；內建 DEX 代幣兌換與 dApp 瀏覽器；支援多種幣的質押和 NFT 錢包功能；背後為 Binance 撐腰，資源、社群實力堅強。
缺點: 以行動端為主，桌機用戶到 2022 年底才剛有瀏覽器外掛，至今還是行動 app 佔多數；支援鏈太多，無法像 MetaMask 一樣自訂任意網路（只能用 Trust Wallet 預設支援的鏈）；屬熱錢包，安全性依賴你手機本身（沒有額外保護層，除非透過 WalletConnect 搭配硬體錢包）；偶有部分 dApp 無法連線狀況（但總體可靠）。
摘要概述: Trust Wallet 已成為全球最受歡迎的加密錢包之一，最大亮點是全功能整合。2017 年創立，後被 Binance 收購，使命就是打造一款支援最多資產、最易用又安全的 app。截至目前累積下載/用戶高達 2.1 億人，是全球最大自託管社群之一。
團隊還提到，全球大約三分之一的加密貨幣持有者都在使用 Trust Wallet。它最大賣點在於廣泛支持：不論你持有比特幣、以太坊、BNB 連鎖幣、Solana、Avalanche、Cardano 或其他冷門幣種，Trust 幾乎都有涵蓋。這對新手特別友善，從單一幣種開始用，日後逐步擴展投資組合也不必換錢包。The mobile app (on iOS/Android) is known for its clean design and ease of use. It also has an integrated Web3 browser, so you can navigate to DeFi apps (on various chains) and connect within the wallet. In-app, Trust offers one-click staking for coins like BNB, ATOM, Tezos and more – allowing users to earn yield right from the wallet.
這款行動應用程式（iOS/Android）以其簡潔的設計和易於使用著稱。它還內建了 Web3 瀏覽器，讓你能直接在錢包裡瀏覽各種鏈上的 DeFi 應用並連結錢包。應用內部，Trust 提供一鍵質押功能，支援如 BNB、ATOM、Tezos 等多種幣種，讓用戶可直接從錢包中獲得收益。
There’s also a Swap and Exchange feature where Trust either routes trades through decentralized exchanges or its partners. In 2023, Trust introduced a browser extension for PCs, bringing most of its functionality to Chrome/Brave and others, which expanded its reach to desktop DeFi users.
它也有兌換和交易功能，Trust 會透過去中心化交易所或合作平台路由交易。2023 年，Trust 推出 PC 版瀏覽器擴充元件，將大部分功能帶到 Chrome、Brave 等瀏覽器，讓桌面端 DeFi 用戶也能使用，進一步拓展應用範圍。
On the security front, Trust Wallet is open source and has a solid track record (no major hacks of the wallet itself). It doesn’t force any KYC or personal data collection, aligning with the ethos of decentralization. One downside is if you need a custom or experimental blockchain that Trust doesn’t natively include, you’re out of luck – the wallet has a predefined list of supported chains (albeit a very long list). But for 99% of users, that list is comprehensive. In summary, Trust Wallet is often recommended for newcomers to DeFi who want a simple yet powerful mobile wallet that can later scale with their crypto journey. It combines the credibility of a big name (Binance) with the non-custodial freedom of a DeFi wallet.
在安全層面上，Trust Wallet 為開源且歷史良好（錢包本身從未發生重大駭客事件）。它不強制進行 KYC 或收集個人資料，符合去中心化精神。唯一的缺點是，如需使用 Trust 沒有原生支援的自訂或實驗性區塊鏈，就無法使用——錢包僅支援預設清單內的鏈（雖然那清單已經很長）。但對 99% 的用戶來說，這份清單已相當完整。總結而論，Trust Wallet 很常被推薦給剛進入 DeFi 世界、想要簡單又強大的行動錢包的新手，且未來可以隨著加密資產之路擴展。它結合知名品牌（Binance）的信譽與 DeFi 錢包的自主權。
Whether you’re swapping BEP20 tokens on BSC, storing NFTs on Ethereum, or holding Bitcoin, Trust Wallet gives you one app to do it all.
無論你是在 BSC 兌換 BEP20 代幣、在以太坊存放 NFT，或是持有比特幣，Trust Wallet 都能一站式搞定。
Coinbase Wallet (Launched 2018; ~3 million monthly users)
Pros: High usability and brand trust – from Coinbase, a leading regulated exchange; non-custodial but easily connects with your Coinbase account for transfers; supports major networks (Ethereum, EVM chains, plus it added Solana support, and even allows holding Bitcoin via its multi-chain support); has a dApp browser and DeFi integrations (Compound, dYdX, etc. integrated for lending/trading within the app); strong focus on security with optional cloud backup of recovery phrase (encrypted) and a simple username system for wallet addresses.
優點： 操作容易、品牌信任度高——來自領先的合規交易所 Coinbase；自主管理資產，但可輕鬆連結你的 Coinbase 帳戶做轉帳；支援主流網路（Ethereum、EVM 鏈，還新增了 Solana，也能多鏈持有比特幣）；內建 dApp 瀏覽器與 DeFi 協議整合（如直接在 app 內進行 Compound、dYdX 等借貸/交易）；強調安全，提供加密備份助記詞到雲端的選項，且有簡易的錢包使用者名稱系統。
Cons: Not as multi-chain as some competitors (supports a handful of popular networks but not the extensive list that Trust Wallet does); being a product of a centralized company, some hardcore DeFi users shy away from it – for example, it originally had analytics tracking (though one can opt out); the interface, while simple, can sometimes push Coinbase’s own services (like their fiat ramp) which might be less appealing if you prefer open-source, community wallets; user base is smaller compared to MetaMask or Trust – around a few million active users – which can mean slightly fewer third-party integrations (though it is widely accepted).
缺點： 多鏈支援度不如部分競爭者（只支援部分主流鏈，無法像 Trust Wallet 那樣涵蓋面廣）；出自中心化公司，部分去中心化鐵粉會敬而遠之——例如原本預設有分析追蹤（但可以選擇關閉）；介面雖然簡單，有時會推薦自家服務（如法幣出入金），若偏好開源或社群錢包可能較無感；用戶規模比 MetaMask 或 Trust 少，約幾百萬活躍用戶——偶爾也意味第三方整合度略低（雖然大多數 dApp 已支援）。
Overview: Coinbase Wallet is Coinbase’s answer to DeFi – a separate app from the main Coinbase exchange app, focused on self-custody and Web3. It originated as “Toshi” in 2018 and was rebranded to Coinbase Wallet, inheriting the trust of the Coinbase name but operating as a standalone product.
簡介： Coinbase Wallet 是 Coinbase 針對 DeFi 推出的解決方案——與主 Coinbase 交易所 app 分開，專注於自主管理資產和 Web3。它前身為 2018 年上線的「Toshi」，後來改名為 Coinbase Wallet，承接 Coinbase 品牌信譽，但獨立運作。
For users of the Coinbase exchange, this wallet offers a convenient bridge: you can link your accounts and easily transfer funds from the exchange into the self-custody wallet to start using DeFi, without having to copy-paste addresses.
對使用 Coinbase 交易所的用戶來說，這個錢包是一個便利的橋樑：你可將帳號鏈結，輕鬆把資金從交易所轉到自主管理錢包，開始使用 DeFi，完全不用自己複製貼上錢包地址。
This on/off-ramp ease is a big plus for newcomers. Coinbase Wallet supports Ethereum and all EVM-compatible networks, and notably added Solana in 2022 (so you can manage SOL and Solana tokens/NFTs there). It can also hold Bitcoin and a few other non-EVM assets by linking your Coinbase account as custody for those or using wallet interoperability – but in practice Coinbase Wallet is most used for Ethereum, Polygon, Optimism, Arbitrum, and similar chains. The app (available on mobile and as a browser extension) is well-designed with clear prompts, which is great for less technical users.
這種加密出入金的便利性對新手來說是很大的優勢。Coinbase Wallet 支援 Ethereum 及所有 EVM 相容網路，2022 年更新增 Solana（你可以在裡面管理 SOL 與 Solana 代幣/NFT）。它也能持有比特幣和部分其他非 EVM 的資產，可以選擇讓 Coinbase 帳號託管或配合跨鏈互操作性——但實際最常被用於 Ethereum、Polygon、Optimism、Arbitrum 等類似鏈。應用程式（手機 & 瀏覽器擴充元件）設計直觀，操作指引明確，非常適合技術門檻較低的用戶。
It features a dApp browser on mobile for exploring decentralized apps, and on the extension you just click to connect as with any Web3 wallet. Coinbase Wallet also introduced an optional feature where you can back up your recovery phrase encrypted to your personal cloud (Google Drive or iCloud). Purists may avoid that, but it’s optional and can provide peace of mind for those worried about losing their seed phrase. In terms of DeFi, Coinbase Wallet directly integrates some protocols: for example, within the app you can go to a DeFi “panel” to supply or borrow assets on Compound without using the external site – the wallet handles the interaction. It will likely expand these one-click integrations over time. Security-wise, Coinbase Wallet is non-custodial (Coinbase the company cannot access your funds), and the code has been audited. However, users should note that unlike holding coins on Coinbase’s exchange (where Coinbase provides some insurance/guarantees), in Coinbase Wallet you are in charge. If you fall for a scam dApp or lose your keys, Coinbase can’t help – an important distinction for users transitioning from custodial accounts. Overall, Coinbase Wallet is an excellent choice for those who want ease of use and a familiar name. It serves as a gentle introduction to the self-custody world while still being powerful enough for regular DeFi use.
手機端有 dApp 瀏覽器可以探索去中心化應用，瀏覽器外掛則像其他 Web3 錢包一樣一鍵連結。Coinbase Wallet 也推出了備選功能：可以把你的助記詞加密後備份到個人雲端（Google Drive/iCloud）。雖然有些極端控管派用戶會迴避此功能，但它非強制，且對於擔心弄丟助記詞的用戶是額外的安心保障。至於 DeFi，Coinbase Wallet 直接與某些協議整合：比如可直接在 app 內的 DeFi 面板裡供應/借出資產給 Compound，無需另外造訪官方網站，由錢包代為互動；未來這種一鍵整合預計會持續擴充。安全層面，Coinbase Wallet 是非託管錢包（Coinbase 公司無法存取你的資金），且程式碼經審計。不過注意，跟把幣存在 Coinbase 交易所（交易所會提供某種保險/擔保）不同，Coinbase Wallet 的資產完全由你自己管理。如果遇到釣魚詐騙 dApp 或丟失私鑰，Coinbase 也無法協助——這對剛從託管轉自主管理的用戶尤其重要。總結來說，Coinbase Wallet 對想要簡單使用又熟悉品牌的新手很適合，是邁入 self-custody 世界的溫和入口，同時功能又不失為日常 DeFi 使用的主力。
With roughly 3.2 million monthly users as of 2025, it’s not as ubiquitous as MetaMask, but it’s certainly a significant player and especially popular among users in North America and Europe who already use Coinbase services.
截至 2025 年，Coinbase Wallet 每月活躍用戶大約 320 萬，雖然普及度不及 MetaMask，但它在北美和歐洲、已經使用 Coinbase 服務的用戶群體中極為受歡迎，依然是重要陣容。
Crypto.com DeFi Wallet (Launched 2021)
Pros: Fully non-custodial wallet from a major crypto company (Crypto.com’s ecosystem) – lets you control your keys while easily connecting to Crypto.com’s exchange/app if desired; supports 30+ blockchains including Ethereum, Cronos (Crypto.com’s chain), Cosmos, Binance Chain, etc.; offers a simple interface with built-in staking for earn (users can stake and earn interest on over a dozen coins in-app); has a swap feature (DeFi Swap) for token exchanges; strong security options like biometric lock and optional password for each transaction.
優點： 由大型加密公司 Crypto.com 推出的完全非託管錢包（屬於 Crypto.com 生態系），用戶可自行掌控私鑰，同時又能輕易與 Crypto.com 的交易所/app 串接；支援 30+ 條區塊鏈，包括 Ethereum、Cronos（Crypto.com 自家鏈）、Cosmos、Binance Chain 等；介面簡單，原生支援質押賺利息（用戶可直接質押十多種幣種賺取利息）；內建 DeFi Swap 兌幣功能；有強大安全選項如生物辨識鎖及每筆交易可自訂密碼。
Cons: Lacks a desktop/browser version – it is primarily a mobile app (Android/iOS), which may not suit users who prefer desktop DeFi interactions; being tied to Crypto.com, some features favor that ecosystem (for instance, promoting the Cronos chain or Crypto.com’s own token); not as widely discussed in DeFi communities as some independent wallets, which means slightly less third-party integration (e.g., WalletConnect support is there, but you won’t find “Connect with Crypto.com Wallet” on as many dApps as you would MetaMask or WalletConnect options); some users report the app can be a bit heavy/slow with lots of assets (since it’s doing a lot under the hood).
缺點： 沒有桌電/瀏覽器版本——主要定位為行動端 app（Android/iOS），對偏好桌面 DeFi 的用戶可能不友善；由於強調 Crypto.com 生態系，有些功能較偏向自家（如大力推薦 Cronos 鏈或公司自家幣）；在 DeFi 社群討論程度不及部分獨立錢包，第三方整合稍少（例如 WalletConnect 有支援，但你在很多 dApp 上看不到「Connect with Crypto.com Wallet」的選項，MetaMask 與 WalletConnect 的生態明顯勝出）；部分用戶反映資產多時軟體偏重/較慢（因為功能豐富，運算繁忙）。
Overview: Crypto.com DeFi Wallet is the self-custody offering from Crypto.com, a company known for its exchange app and Visa cards. Launched in 2021, the DeFi Wallet was an answer to users seeking a non-custodial solution without leaving the Crypto.com umbrella. For the 80+ million users of Crypto.com’s main app, the DeFi Wallet provides a way to dip into decentralized finance while still enjoying a familiar brand and seamless connections.
簡介： Crypto.com DeFi Wallet 是 Crypto.com（以交易app和 Visa 卡聞名）推出的自主管理錢包。2021 年上線，是因應希望非託管又不想離開 Crypto.com 生態的用戶而設計。對於 8,000 多萬主站用戶，這款 DeFi 錢包讓他們可在熟悉品牌下無縫接觸 decentralized finance。
Setting up the wallet is straightforward, and if you also use the Crypto.com custodial app, you can transfer funds between the two with a click (no withdrawal fees when moving into the DeFi Wallet, as an incentive). The wallet itself supports a wide range of assets – of course Ethereum and major ERC-20 tokens, Bitcoin and top UTXO coins, plus many others like Dogecoin, Polkadot, and Crypto.com’s own Cronos chain.
錢包設定步驟簡單；若你也用 Crypto.com 託管應用，資金可一鍵互轉（搬進 DeFi Wallet 免手續費，做為誘因）。錢包本身支援資產範圍廣泛——當然有 Ethereum 與主流 ERC-20 代幣、比特幣、頂級 UTXO 幣，還有如狗狗幣、Polkadot，以及自家 Cronos 鏈。
Its interface is polished, showing your portfolio value, and offers native earning features: you can stake coins like CRO, ATOM, DOT, etc., or deposit into Yearn Finance vaults via a dedicated “Earn” section, all without leaving the app. This makes it somewhat like a hybrid of a wallet and a DeFi yield app. For swapping tokens, Crypto.com DeFi Wallet integrates their DeFi Swap service (which taps into decentralized exchange liquidity pools). On security, the wallet allows you to encrypt it with a passcode and supports biometric unlock, plus you can (and should) back up your recovery phrase safely.
介面精緻，會顯示投資組合價值，且有原生賺取功能：可質押如 CRO、ATOM、DOT 等幣，或透過專屬「Earn」區存入 Yearn Finance 金庫，全都不用離開應用程式。這使它有點像錢包與 DeFi 賺息 app 的結合。至於代幣兌換，Crypto.com DeFi Wallet 內建自己的 DeFi Swap 服務（接入去中心化交易池）。安全性方面，可加設私密密碼並支援生物辨識解鎖，且建議你備份助記詞，確保資料安全。
Since Crypto.com is a big company, the app is well-maintained with regular updates and customer support channels for general issues (though they can’t help if you lose keys, of course). One unique feature is the integration of WalletConnect to access Web3 dApps on desktop: even though Crypto.com doesn’t have a browser extension, you can use WalletConnect QR codes to link the mobile app to a browser dApp session.
因為 Crypto.com 是大公司，app 維護周到，更新頻繁，有客服能協助一般靜態問題（但鑰匙遺失沒得救，這點一樣）。一大特色是與 WalletConnect 整合：雖無瀏覽器外掛，但你可用 WalletConnect 掃 QR code，把手機 app 跟電腦瀏覽器 dApp 連接。
This effectively lets you use Crypto.com DeFi Wallet with DeFi platforms on your desktop browser, using the phone as the signer – a workable solution for those who need the larger screen. In summary, Crypto.com DeFi Wallet is a strong option for users already in the Crypto.com ecosystem or anyone who wants a user-friendly mobile wallet with built-in earning features. It might not be as decentralized-community-favored as some open-source projects, but it strikes a balance by combining self-custody with the convenience and polish of a commercial app. Millions have downloaded it, and it serves as a solid gateway for newcomers transitioning from centralized services to the world of DeFi.
此舉實現了使用手機作為簽名者，在桌電瀏覽器與 DeFi 平台互動的需求——對需要大螢幕的使用者來說不失為好方法。總之，Crypto.com DeFi Wallet 很適合已身處 Crypto.com 生態系者或重視操作簡易、賺息功能的行動錢包愛好者。雖然未必像開源專案那麼受鏈圈鐵粉吹捧，但它結合自主管理及商用 app 的便利與美觀。數百萬人已下載，是入門 DeFi、從中心化過渡到自主的堅實橋樑。
Phantom (Launched 2021; ~15 million monthly users)
Pros: Best-in-class wallet for Solana and now multi-chain support (added Ethereum and Polygon networks in 2023); extremely fast and smooth user experience – optimized for Solana’s high-speed transactions; built-in features like a token swap (for Solana and ETH), NFT gallery, and even a spoof/scam detection that warns about malicious transactions; available on multiple platforms (browser extension for Chrome/Brave/Firefox, as well as iOS and Android apps); supports hardware wallet integration (Ledger) for added security.
優點： Solana 領域頂尖錢包，現已多鏈支援（2023 年新增 Ethereum 與 Polygon）；體驗極快流暢——針對 Solana 高速交易最佳化；內建功能有代幣兌換（支援 Solana、ETH）、NFT 典藏庫，甚至偵測詐騙並對惡意交易警示；多平台支援（Chrome、Brave、Firefox 瀏覽器擴增外掛，以及 iOS、Android app）；也能整合硬體錢包（Ledger）增強安全性。
Cons: Still relatively Solana-centric – while it
（未完，請提供更多原文即可繼續翻譯！）now supports Ethereum and Polygon, users primarily using many other chains might prefer a different multi-chain wallet; not as many customization options as something like MetaMask (Phantom focuses on simplicity, so advanced network configs or custom tokens on non-supported chains aren’t possible); on Solana, Phantom has to handle a lot of user-friendliness (like showing token addresses that you might need to manually add) which it generally does well, but very new Solana users can still get tripped up by needing SOL for fees, etc. (Phantom does have a guide for that); during periods of Solana network congestion, Phantom’s performance can suffer (though that’s more a Solana issue than the wallet itself).
現在已支援 Ethereum 和 Polygon，主要使用其他鏈的用戶可能會想選擇不同的多鏈錢包；自訂化選項不像 MetaMask 那麼豐富（Phantom 著重於簡潔，因此不支援進階網路設定或在非支援鏈自訂代幣）；在 Solana 上，Phantom 需負擔大量易用性設計（例如自動顯示你可能需手動加入的代幣地址），通常表現良好，但對完全新手來說，像必須持有 SOL 來支付手續費這類情境仍容易令人困惑（Phantom 有提供相關教學）；當 Solana 網路擁堵時，Phantom 的效能也可能下降（不過這主要是 Solana 的問題，不完全在於錢包本身）。
Overview: Phantom emerged during Solana’s explosive growth in 2021 as the go-to wallet for the Solana ecosystem, akin to what MetaMask is for Ethereum. Its creators focused on making a wallet that was fast, simple, and secure for Solana’s unique environment. The result is an elegant wallet that gained over 2 million users in its first year and, by early 2025, grew to over 15 million monthly active users – a testament to Solana’s continued traction and Phantom’s execution.
概覽： Phantom 於 2021 年 Solana 爆炸性成長期間誕生，成為 Solana 生態上的首選錢包，就如同 MetaMask 之於 Ethereum 一樣。開發團隊的重點是為 Solana 量身打造一個快速、簡單又安全的錢包。這也造就了一個設計優雅的錢包，首年就累積超過 200 萬用戶，到 2025 年初更突破 1,500 萬月活躍用戶——證明了 Solana 魅力持續增長，也展現了 Phantom 的執行力。
Phantom’s core strength lies in how it handles Solana assets: it automatically tracks all SPL tokens (Solana’s tokens) in your account, shows your collectible NFTs in a dedicated tab (including images and attributes), and even provides a one-click way to stake SOL with validators. The interface is sleek and beginner-friendly. A notable feature is Phantom’s “auto-approve” setting for trusted dApps, which allows smoother UX in certain cases (though it’s off by default for safety).
Phantom 的核心優勢在於其處理 Solana 資產的方式：它會自動追蹤帳戶裡的所有 SPL 代幣（Solana 的原生代幣標準），NFT 收藏品也會在專屬頁面呈現（包含圖片和屬性），甚至還可一鍵將 SOL 抵押給驗證人。介面美觀且適合新手。一個值得一提的功能，是 Phantom 對可信去中心化應用的「自動批准」設定，在部分情境下能大幅提升流暢度（但預設關閉，以確保安全）。
Phantom also introduced a transaction simulator that can detect and warn you if a smart contract you’re interacting with appears suspicious or is trying to steal funds – a very valuable safety feature given the rise of phishing contracts. Initially a browser extension, Phantom launched its mobile apps in 2022, which expanded its reach. These mobile apps include a dApp browser for Solana dApps and now also let you manage Ethereum and Polygon assets similarly. The multi-chain expansion means Phantom users can hold and view their ETH, MATIC, and related tokens in the same wallet (with the familiar Phantom interface), potentially making Phantom a one-wallet solution for two of the most popular ecosystems.
Phantom 也推出了交易模擬器，能夠偵測並警告你所互動的合約是否可疑或有偷竊資金風險——在網絡釣魚合約日益猖獗的現今，這是一個非常實用的安全功能。Phantom 最初是瀏覽器擴充外掛，2022 年推出了行動應用程式，擴展服務範圍。行動版包含 Solana dApp 瀏覽器，現在也可以管理 Ethereum 和 Polygon 資產。多鏈擴展意味著 Phantom 用戶可在單一錢包內存放並檢視 ETH、MATIC 與相關代幣（同樣維持熟悉的 Phantom 介面），有潛力成為兩大主流生態的一站式錢包方案。
However, keep in mind that on Ethereum/Polygon, Phantom is competing with entrenched wallets like MetaMask and may not (yet) support the full array of Ethereum dApp connectivity that MetaMask does. But it’s likely to improve rapidly. Phantom’s development is very active, and they have a strong community and customer support approach (they even implemented features like showing Solana name service addresses, etc., based on user feedback). On security: Phantom is non-custodial and you can connect a Ledger device to it for Solana transactions, which many advanced users do for cold storage safety. The wallet’s code has been audited and is continuously scrutinized given its popularity. Summing up, Phantom is a top choice for Solana users – if you plan to dive into Solana DeFi or NFTs, Phantom is almost a must-have.
不過需要留意的是，在 Ethereum/Polygon 上，Phantom 仍面臨 MetaMask 等老牌錢包的競爭，目前（尚未）能做到完全支援 Ethereum dApp 生態的每個角落，不過發展速度很快。Phantom 開發活躍，擁有強大社群與客服機制（甚至根據用戶回饋加上展現 Solana 名稱服務地址等特色）。安全方面：Phantom 採非託管設計，也能搭配 Ledger 硬體錢包簽署 Solana 交易，許多進階用戶會用此方式作冷錢包。錢包原始碼經過審計，且因受歡迎程度不斷受到安全檢視。總結來說，Phantom 是 Solana 用戶的首選之一——如果你打算涉獵 Solana 的 DeFi 或 NFT，那幾乎是必裝的錢包。
Even beyond Solana, Phantom’s ease-of-use crossing into Ethereum makes it an attractive wallet for those who value a clean UI and speedy operation across these networks. Its rise to 15M users in such a short time highlights how well it resonated with the community.
即使超越 Solana，Phantom 跨足 Ethereum 的易用性，也讓它對於注重簡潔介面與跨鏈操作速度的用戶極具吸引力。其用戶在短時間內突破一千五百萬，充分反映了社群的高度認同。
Argent (Launched 2018; 2+ million downloads)
Argent（2018 年推出；超過 200 萬次下載）
Pros: Smart contract wallet with unique capabilities – social recovery (no seed phrase needed; you can regain access via trusted contacts/devices), daily transfer limits and whitelisted addresses for added security; integrated DeFi features like one-tap access to lending, staking, and even Layer-2 solutions for low fees; native support for Layer-2 networks (Argent was an early adopter of zkSync and StarkNet account abstraction, making L2 usage seamless); very user-friendly mobile interface that abstracts much of Ethereum’s complexity (it will auto-set optimal gas fees, for example).
優點： 智能合約型錢包，具備獨特功能——社交復原（不需助記詞，能透過可信聯絡人/裝置恢復存取權）、每日轉帳上限及白名單地址多一層保障；整合 DeFi 功能如一鍵借貸、質押，甚至內建 Layer-2 省手續費解決方案；原生支援 Layer-2 網路（Argent 很早就支援 zkSync、StarkNet 等帳戶抽象概念，讓 L2 無縫體驗）；行動介面設計非常友善，幫你簡化許多 Ethereum 繁雜細節（例如自動最佳設定 Gas 費）。
Cons: Only supports the Ethereum ecosystem (mainly Ethereum mainnet and a couple of Layer-2 networks like StarkNet and zkSync) – not a general multi-chain wallet for non-Ethereum chains; because it’s a smart contract wallet, certain on-chain actions (like setting guardians or recovering accounts) can be complex or cost gas; if Argent’s servers were ever down, some convenience features like notifications or gas optimizations might be affected (the wallet still works on-chain regardless, but some off-chain services supplement the experience); power users might find it less configurable – for instance, you can’t import it into MetaMask or use it as a simple key, since it’s contract-based (however, Argent does offer a separate product “Argent X” for StarkNet on browsers).
缺點： 僅支援 Ethereum 生態（主要是主網和少數 Layer-2，如 StarkNet、zkSync），不適用於管理其他鏈資產；由於是智能合約型錢包，有些鏈上行為（例如設置守護者或帳戶復原）較為複雜且要付 Gas 費；如果 Argent 伺服器異常，部分便利性功能如通知或 Gas 動態優化等可能受影響（但鏈上功能仍可正常運作，只是某些輔助體驗停擺）；對進階用戶來說可設定性較低——例如不能匯入到 MetaMask，或單純當鑰匙錢包，因為本質上是合約錢包（不過 Argent 也提供不同的產品「Argent X」作為瀏覽器插件支援 StarkNet）。
Overview: Argent is often described as the “next-gen” crypto wallet for DeFi, because it pioneered making a wallet smart and user-friendly while retaining security. Instead of a traditional private key account, an Argent wallet is a smart contract on Ethereum that you control.
概覽： Argent 經常被描述為 DeFi 領域的「次世代」加密錢包，因為它率先實現了兼具安全性與智慧化、易用性的錢包。它不再是傳統的私鑰帳戶，而是由你掌控、部署在 Ethereum 上的智能合約錢包。
This design enables features not possible with regular wallets. Most famously, Argent offers social recovery: when you set up your wallet, you appoint “guardians” (could be another device of yours, a friend/family member who also has Argent, or even a hardware wallet or a MetaMask account you own).
這種設計讓許多傳統錢包無法實現的功能變成可能，最知名的就是 Argent 提供的社交復原：你在設定錢包的時候可以指定「守護者」（可以是你自己的另一台裝置、擁有 Argent 的家人朋友，甚至是硬體錢包或你名下的 MetaMask 帳戶）。
If you lose your phone or uninstall the app, you don’t need a seed phrase – you use your guardians (e.g., have two friends confirm, or use a backup code) to restore your wallet on a new device. This removes the single point of failure of a seed phrase and is more akin to resetting a password with trusted contacts. Argent also allows setting a daily transaction limit – say you set it to $1,000. If your wallet is ever compromised, the thief could not drain more than that limit in 24 hours, giving your guardians time to react and help you recover control.
如果你丟失手機或解除安裝 App，完全不需要助記詞，只要請守護人（例如兩位好友確認，或用備份碼）就能在新裝置上復原錢包。這大幅避免了只靠助記詞所帶來的單點失效風險，更像是透過親友驗證重設密碼。另外 Argent 還可設定每日交易額度——例如設為美金 1,000 元，萬一卡片遭盜，24 小時內也只能提領這個上限，給你與守護人反應、恢復掌控的時間。
These security measures are very reassuring, especially for users who aren’t comfortable safeguarding a paper seed phrase. On the DeFi side, Argent made a name by integrating popular protocols directly. Inside the app, you can easily deposit into Yearn Finance vaults, stake ETH via Lido, swap on decentralized exchanges, or provide liquidity – all with a slick interface. Argent was also a leader in adopting Layer-2 scaling to mitigate Ethereum’s high fees: they partnered with zkSync early, allowing users to hold and transact assets on zkSync (Layer-2) through Argent with much lower fees, which is great for smaller investors.
這些安全措施非常令人安心，尤其是對不想自己手動保管助記詞的用戶。DeFi 方面，Argent 以直接整合知名協議聞名，像是可以直接用 App 存入 Yearn Finance 保險箱、用 Lido 質押 ETH、去中心化交易所換幣或供流動性，全部用漂亮直觀的介面操作。Argent 也是最早擁抱 Layer-2 擴容的錢包之一——很早就與 zkSync 合作，讓用戶可用 Argent 切換到 zkSync（Layer-2）低手續費橫向轉帳，非常適合小額用戶。
There is also Argent Vault (Layer-1 Ethereum) and Argent X (a browser extension specifically for StarkNet, a newer Layer-2), but the flagship is the mobile wallet on Ethereum/L2. User experience is front and center: for example, you can choose a username for your wallet, like alice.argent.xyz, making it easier to receive funds. Argent’s limitations revolve around its scope: it’s not the wallet for, say, managing your Bitcoin or Solana – it’s very much Ethereum-focused.
Argent 尚有 Argent Vault（Layer-1 主網）和 Argent X（專為 StarkNet 設計的瀏覽器外掛）等產品，但主力仍是 Ethereum/L2 上的手機錢包。用戶體驗至上：例如你可以為自己挑選像 alice.argent.xyz 這樣的錢包帳號，收款更方便。Argent 的限制也很明確：不是設計來管理比特幣或 Solana 等其他鏈，重點只有 Ethereum。
Also, because it abstracts away seed phrases and uses advanced features, it might feel a bit “different” than what a seasoned MetaMask user is used to. There is a dependency on Argent’s infrastructure for push notifications or gasless transaction sponsorship (Argent at times subsidizes some Layer-2 actions), but the core funds are on-chain – you are in control of the smart contract. Argent has attracted a dedicated user base, especially among DeFi users who want security without headaches.
此外，由於它抽象化了助記詞管理並搭載多種進階功能，對於習慣 MetaMask 的老手來說，一開始可能會覺得用起來「不太一樣」。而像推播通知、手續費減免服務等，仍仰賴 Argent 後台基礎設施（有時 L2 操作還由 Argent 補貼部分手續費），但資產本體都在鏈上，完全由你掌控智能合約。Argent 吸引了一群忠實粉絲，尤其是追求無煩惱且安全的 DeFi 用戶。
With over 2 million downloads, it demonstrated that smart wallets can work in practice. If you’re primarily an Ethereum DeFi user and want a wallet that’s both feature-rich and hard to hack (and you don’t mind using a mobile app), Argent is a top contender. It represents a glimpse into the future of user-friendly crypto custody.
下載量超過 200 萬，證明智慧錢包完全可行。如果你主要用 Ethereum 做 DeFi，想要一個功能豐富、攻不破又不想玩命保管私鑰（也不介意用手機 App），Argent 絕對是頂級選擇。這也是未來加密資產自主管理的一個預告。
ZenGo (Launched 2019; 1.5+ million users)
ZenGo（2019 年推出；超過 150 萬用戶）
Pros: Keyless security – no seed phrase to manage or lose; implements advanced MPC (Multi-Party Computation) cryptography, meaning your private key is never created as one piece and thus cannot be single-handedly stolen or lost; very easy onboarding (users just back up by tying the wallet to their email and storing an encrypted file, plus facial biometrics as part of recovery); supports a variety of coins (BTC, ETH, Tezos, Polygon, etc., around 70+ assets and growing); built-in buy/sell via credit card and bank integrations, and savings/yield features for certain assets; never been hacked (as proudly advertised, due to its security model).
優點： 無私鑰安全設計——完全不用記或保管助記詞；導入進階 MPC（多方計算）密碼學，私鑰從未以單一檔案形成，因此不可能單獨被竊或遺失；新用戶上手極簡（綁定電子郵件，存加密備份檔，還可用臉部生物識別恢復）；支援多種資產（BTC、ETH、Tezos、Polygon 等，支援超過 70 種，持續增加中）；內建法幣信用卡、銀行買賣功能及部分資產存款生息選項；從未被駭過（基於其獨特安全架構引以為傲）。
Cons: Custody model is semi-dependent on ZenGo’s service – while it’s non-custodial in the sense that ZenGo (the company) alone can’t access your funds, part of the key is stored on ZenGo’s servers (sharded MPC), so users must trust ZenGo to some extent to maintain their part of the secret securely; not open source (the cryptography is peer-reviewed, but the wallet code is proprietary), which some crypto purists may dislike; doesn’t support every token under the sun – focuses on major chains and some selected ERC-20 tokens, so not as broadly multi-chain as, say, Trust Wallet; lacking a desktop/browser version, it’s mobile only; some advanced DeFi or dApp connectivity is limited (it does support WalletConnect for many Ethereum dApps, but not all chains or complex interactions).
缺點： 託管模式部分依賴 ZenGo 伺服器——雖然理論上是自主管理（ZenGo 公司無法單獨取得資產），但私鑰有一部分分割儲存於 ZenGo 伺服器（MPC 分片機制），因此一定程度需信任 ZenGo 能安全守護那一份祕鑰；不是開源（密碼學經學界審查，但錢包主程式為專利軟體），對加密純粹主義者無法完全接受；非極致多鏈——主攻主流幣與部分 ERC-20，未像 Trust Wallet 支援極廣泛；無桌機/瀏覽器版本，僅限行動裝置；部分進階 DeFi 功能或 dApp 連接有限（多數 Ethereum dApp 可用 WalletConnect，但不是所有鏈或複雜互動都支援）。
Overview: ZenGo is a unique player among crypto wallets because of its mantra: “No seed phrase, no private key vulnerability.” For users, this means you don’t have to scribble down a 24-word phrase and fret about hiding it. Instead, ZenGo uses Threshold Signature Scheme (TSS), a form of MPC, to split the key between your device and their servers. A transaction requires cooperation between the two, and neither party ever has the full key. In practice, setting up ZenGo feels like setting up a
概覽： ZenGo 是加密錢包領域的少數異數，信念是「不用助記詞、沒有私鑰漏洞」。這對用戶來說代表不用抄下 24 字密語，也不用擔心如何藏好它。ZenGo 採用的是門檻式簽章（TSS，一種 MPC）的機制，把密鑰拆分存在你裝置與他們伺服器之間，任何交易都需雙方協作，沒人能獨自取得完整密鑰。實際體驗起來，ZenGo 的上手就像...modern fintech app: you provide an email, verify it, and you set up facial recognition (which is used as part of recovery).
現代金融科技應用程式：你只需提供電子郵件，經過驗證後，再設置臉部辨識（此功能也會作為帳戶恢復的一環）。
To back up, ZenGo encrypts your key shares and stores an encrypted backup in your personal cloud (Google Drive or iCloud) – but that alone can’t be used to access funds; it’s combined with the face scan and server-side share. The result: if you lose your phone, you can recover on a new device by re-authenticating with email and a face scan, without any seed phrase needed. This user experience is incredibly attractive to newcomers or those who are terrified of losing their keys. ZenGo has indeed never been hacked since launch and has publicized strict security audits.
在備份方面，ZenGo 會將你的金鑰分片加密，並把加密後的備份存放在你個人的雲端（Google Drive 或 iCloud）——但只有這份備份無法單獨存取資金；必須結合臉部掃描與伺服器端分片。這代表：如果你遺失手機，只需在新裝置上重新以電子郵件及臉部掃描認證，即可恢復帳戶，無需任何助記詞。這種用戶體驗對於加密貨幣新手，或對丟失私鑰感到畏懼的人來說極具吸引力。ZenGo 自推出以來確實從未被駭，而且有公開嚴格的安全稽核報告。
ZenGo supports major cryptos: you can hold Bitcoin, Ethereum (and ERC-20 tokens), Binance Coin, Tezos, and many others, covering the majority of top market cap coins. It also integrates directly with services – for example, you can buy crypto with a card or bank transfer inside the app (via third-party providers), and earn yield on assets like Tezos (baking), Ethereum (staking to ETH2), and stablecoins (through lending partners).
ZenGo 支援主流加密貨幣：你可以持有比特幣、以太幣（及 ERC-20 代幣）、幣安幣、Tezos 以及許多其他貨幣，涵蓋了大多數主流市值幣種。它還直接整合了各種服務——例如，你可以直接在應用程式內使用信用卡或銀行轉帳（透過第三方支付）購買加密貨幣，並可對 Tezos（質押）、以太坊（質押至 ETH2）、穩定幣（透過出借合作夥伴）等資產賺取收益。
The wallet also recently added support for NFTs (viewing Ethereum/Polygon NFTs in-app). For DeFi, ZenGo is somewhat limited but improving: it doesn’t have a full dApp browser, but you can connect via WalletConnect to many Ethereum dApps. Still, its primary target is retail users who want a safe, easy wallet rather than DeFi power users doing complex maneuvers.
此錢包最近也新增了對 NFT 的支援（可在應用程式內瀏覽以太坊/Polygon 鏈上的 NFT）。至於 DeFi，目前 ZenGo 的功能還有限但逐漸提升：雖然沒有完整的 dApp 瀏覽器，但你可透過 WalletConnect 連接多數以太坊 dApp。不過 ZenGo 的主要目標用戶是追求安全、易用的普通用戶，而不是那些操作複雜 DeFi 功能的進階玩家。
One should note that ZenGo’s approach, while non-custodial, does introduce some reliance on their service. If, hypothetically, ZenGo the company ceased operations, there is a recovery method involving the encrypted backup and likely some developer assistance (they have claimed that there are fallback methods to retrieve funds in extreme cases, which is important). The user does have an export option for certain info, but it’s not as straightforward as just importing a seed into another wallet, since no seed exists. Thus, using ZenGo is also a bet that the company will stick around and continue to facilitate the second half of the key computation. ZenGo has been gaining users steadily and reportedly reached over 1 million users by 2023, and over 1.5 million by 2025.
需要注意的是，即便 ZenGo 是非託管型方案，但仍會帶來一定程度對其服務的依賴。如果 hypothetically，ZenGo 公司終止營運，理論上可以透過加密備份以及開發者協助來恢復資產（官方聲稱在極端情況下有備用機制可取回資金，這一點相當重要）。用戶確實可以匯出部分資訊，但不像傳統助記詞一樣只需匯入其他錢包即可，因為這裡根本沒有助記詞。因此，使用 ZenGo 的同時其實等於相信這家公司會持續提供關鍵運算的支援。ZenGo 的用戶數穩健增長，據報告稱 2023 年已突破 100 萬，2025 年超過 150 萬。
For someone who values security + simplicity and hates the idea of managing private keys, ZenGo is an excellent solution. It blends cutting-edge cryptography with a friendly interface, appealing especially to those who might otherwise shy away from self-custody due to fear of making a mistake. As a trade-off, you’re placing trust in ZenGo’s implementation and infrastructure – but for many, that trust in a reputable team is easier than trusting themselves not to lose a piece of paper with 24 words.
對於重視安全和簡單、又討厭管理私鑰的人來說，ZenGo 是極佳的選擇。它把最先進的密碼學技術和友善介面結合，特別適合那些因怕出錯而不敢自行託管資產的用戶。當然，這代表你必須信任 ZenGo 的設計與基礎架構——但對許多人而言，這樣信任一家聲譽良好的團隊，可能比相信自己不會掉失那張 24 字助記詞紙條來得容易。
SafePal (Launched 2018; ~20 million users)
Pros: Offers both a software wallet (mobile app + browser extension) and an affordable hardware wallet device – catering to all preferences with a unified ecosystem; supports an extensive range of cryptocurrencies (SafePal app integrates 100+ blockchains, including Bitcoin, Ethereum, Binance Smart Chain, Tron, Cardano, and many more); built-in features like a DEX aggregator for swaps, a crypto asset manager, and even a mini app for Binance trading within the wallet; the SafePal S1 hardware wallet is one of the more budget-friendly hardware options (around $50) and works seamlessly with the app for signing transactions offline; strong focus on security – the app has security measures like anti-phishing codes and the project has a 7-year track record with no major security incidents.
**優點：**同時提供軟體錢包（手機 APP＋瀏覽器擴充套件）與平價硬體錢包設備——一體化生態可滿足所有偏好；支援超過 100 條公鏈（SafePal APP 整合比特幣、以太坊、幣安智能鏈、波場、Cardano 等多條主流公鏈）；內建 DEX 聚合換幣、加密資產管理、甚至有可於錢包內直接操作幣安的迷你 APP；SafePal S1 硬體錢包是市面上較為平價的選擇（約 50 美元），且可與 App 無縫配對離線簽名交易；注重安全——App 有防釣魚暗碼等防護機制，且專案迄今 7 年未有重大安全事件。
Cons: The user interface, while powerful, can be a bit less intuitive for newcomers compared to simpler wallets (SafePal packs a lot of options, which can overwhelm some users at first); SafePal’s name is closely associated with Binance – they were a Binance-backed startup – which might raise decentralization purist eyebrows (though the wallet is non-custodial, some features like the Binance trading mini-app connect to centralized services); the hardware wallet, while good value, lacks a USB interface (it’s purely QR code based for security, which is safe but less convenient when doing many transactions); customer support and documentation are decent but not as extensive as for some bigger brands, so beginner users might need to search community forums if they encounter issues.
**缺點：**介面功能雖然強大，但比起更單純的錢包對新手來說稍嫌不直觀，一開始豐富的選項容易造成困擾；品牌與幣安(Binance)關係密切（SafePal 最早是幣安投資的新創），對極端去中心化主義者可能會有疑慮（雖然它是自託管錢包，但某些功能如幣安交易小程式會串接到中心化服務）；硬體錢包雖然 CP 值高，但沒有 USB，只能用 QR Code（更安全，但頻繁操作時較不方便）；客服及教學文件算夠用但比起大品牌仍有落差，有問題時新手可能需自行爬文解決。
Overview: SafePal is a comprehensive wallet solution that aims to cover all the bases: software, hardware, DeFi, CeFi access, all in one. Launched in 2018, it gained prominence after receiving backing from Binance (it was one of Binance’s first hardware wallet investments). SafePal’s strategy has been to provide an all-in-one “wallet suite”, and by 2024 it grew its user base from around 10 million to over 20 million users globally – a testament to its popularity, especially in Asia and emerging markets.
總結： SafePal 是一套涵蓋軟體、硬體、DeFi、CeFi 全方位的錢包解決方案。2018 年推出後，因獲得幣安（Binance）資助而快速崛起，是幣安最早投資的硬體錢包之一。SafePal 的策略是全面打造“一站式錢包套裝”，2024 年用戶已從千萬級增長到超過兩千萬，證明其在亞洲及新興市場十分受歡迎。
The SafePal App (on mobile) is the core of the ecosystem: it’s a non-custodial wallet supporting a huge variety of coins. It has integrated swapping (leveraging both decentralized and some centralized liquidity), an interface to view and manage NFTs, and even a “SafePal Earn” section for things like staking or savings.
SafePal App（手機端）是其生態的核心：這是個非託管錢包，支援超大量幣種。內建換幣功能（可用去中心化加上部分中心化流動性），支援 NFT 瀏覽管理介面，甚至有「SafePal Earn」專區讓你質押或活存賺息。
Uniquely, it also includes mini-apps: for example, a Binance Connect that lets you use your Binance account within SafePal to trade or transfer, bridging CeFi and DeFi. For DeFi users, SafePal supports WalletConnect so you can interact with dApps. They’ve also added a browser extension (in 2022) that functions similarly to MetaMask, but with SafePal’s multi-chain support and the ability to interface with the SafePal hardware wallet.
特別的是還有迷你 App，例如 Binance Connect，可以直接於 SafePal 內用幣安帳戶交易資產，實現 CeFi 和 DeFi 橋接。對於 DeFi 用戶，SafePal 支援 WalletConnect，助你互通各種 dApp。2022 年也新增了瀏覽器擴充功能，使用上與 MetaMask 類似，但有 SafePal 多鏈支援兼可和自家硬體錢包連接的優點。
Speaking of hardware, the SafePal S1 is a standout feature. It’s a credit-card-sized hardware wallet with no wires or Bluetooth – it signs transactions via QR codes and offline cameras, ensuring an air-gapped environment. Because SafePal also makes the software, using the S1 with the SafePal app is smooth. This provides an extra layer of security: you can keep your keys in the hardware and use the app just as an interface.
說到硬體，SafePal S1 是其主打亮點之一。本體僅有信用卡大小，無線無藍牙，透過 QR Code 與相機離線簽名，完全隔離網路風險。由於軟體與硬體皆由 SafePal 開發，兩者配合順暢。這提供極高安全性——你的私鑰永遠只在硬體裡，APP 只是人機介面。
Considering its price point is much lower than a Ledger or Trezor, it has made cold storage more accessible. SafePal’s hardware plus software integration gives users a “upgrade path”: one could start with just the free app, and later add the hardware device for more security without changing wallets or apps.
與 Ledger、Trezor 相比，SafePal 硬體錢包定價更親民，讓冷錢包變得人人可及。加上硬軟一體設計，用戶可從免費 APP 起步，以後想升級可直接加購硬體，不用換錢包，不用換生態。
SafePal supports over 15 languages and has expanded to 100+ countries, with a strong community. They also have their own token (SFP) that provides some benefits and governance in the SafePal ecosystem, though it’s not required to use the wallet.
SafePal 支援 15 種以上語言，業務遍及 100 多個國家，社群活躍。他們也發行自家代幣（SFP），用於部分權益和治理，但非錢包使用必要條件。
In terms of security incidents, SafePal has had a relatively clean record. They claim no major hacks and actively blacklist known scam dApps in their app (they mentioned 2400+ malicious dApps blacklisted by 2024 to protect users). As always, users must still be cautious (phishing can happen to any wallet), but it’s good to see active steps taken.
就安全紀錄來說，SafePal 表現相當乾淨。官方稱尚未發生重大駭侵，且主動在 App 內封鎖偽冒詐騙 dApp（至 2024 年已封鎖 2400 多個危險 dApp 保護用戶）。當然，釣魚攻擊誰都防不勝防，但官方積極防護讓人安心。
All in all, SafePal is ideal for users who want flexibility: if you think you might want a hardware wallet eventually, or you just want one app to handle many chains and even some exchange features, SafePal delivers that. Its connection to Binance means it’s well-maintained and continuously adding support for new networks (for example, it quickly added support for trendy chains like Avalanche, Solana viewing, etc.).
總的來說 SafePal 很適合重視彈性、未來也許有冷錢包需求，或者想用一套 App 管理多鏈＋兼顧部分交易功能的用戶。與幣安的淵源代表其維護活躍並不斷支援新網路（如 Avalanche、Solana 等熱門公鏈都很快納入）。
Beginners might take a little time to learn the interface, but once familiar, SafePal can serve as a one-stop wallet for almost everything in crypto – a true “safe pal” for your assets.
新手剛開始可能要花點時間適應操作，但一旦熟悉後，SafePal 幾乎能一站式囊括你所有的加密需求——是名符其實的「安全夥伴」。
Ledger (Ledger Nano with Ledger Live) (Launched 2014; 7+ million devices sold)
Pros: Top-tier security – Ledger hardware wallets use a certified secure element chip to store keys, and no transaction can be signed without physical button confirmation; the Ledger Live software (desktop and mobile) provides an all-in-one interface to manage your assets and even interact with DeFi (via integrated apps and WalletConnect); supports over 5,500 coins and tokens – effectively most cryptocurrencies can be managed with Ledger, either directly in Ledger Live or by connecting the device to third-party wallets; widely integrated – you can connect a Ledger device to essentially any major wallet or dApp (MetaMask, SafePal, Phantom, etc. all support Ledger), making it a versatile security module; proven track record – since 2014 no Ledger device has been hacked through a technical flaw (only user mistakes or physical theft with PIN compromise pose risks).
優點： 頂級安全——Ledger 硬體錢包配備經過認證的安全元件晶片儲存私鑰，只有實體按鈕操作才能簽署交易；Ledger Live 軟體（桌面版+行動版）提供資產管理、甚至自帶 DeFi 和 WalletConnect 功能，一站式管理錢包；支援 5,500 多種加密貨幣及代幣，實際上幾乎所有主流貨幣都可用 Ledger 管理（可在 Ledger Live 直接管理或配合第三方錢包）；高度整合——Ledger 可與絕大多數主流錢包及 dApp 連接（MetaMask、SafePal、Phantom 等皆支援），可作為多錢包的安全核心模組；歷史佳績——自 2014 年以來沒出現因技術漏洞而被攻破的紀錄（只有用戶自己操作失誤或實體丟失 PIN 外洩才有風險）。
Cons: Not free – devices range from around $79 (Nano S Plus) to $149 (Nano X) and more for premium models; the use of a hardware wallet adds steps – you must connect the device and approve each transaction, which is less convenient for rapid trading or frequent DeFi interactions; Ledger as a company had a data breach in 2020 where customer info (emails, addresses) was leaked – while it didn’t affect the devices’ security, it did cause some loss of trust and led to phishing attempts against Ledger owners; recently, a controversial “Ledger Recover” service raised concerns that a firmware update could allow sharding the seed online – some users felt this contradicted the purely offline ethos (Ledger insists it’s opt-in and secure, but it created some debate in 2023).
缺點： 非免費，設備售價從 79 美元（Nano S Plus）到 149 美元（Nano X）甚至更高等高階型號；硬體錢包設計會增加操作步驟——每次都要連接裝置、手動核准，對高頻交易或頻繁 DeFi 操作較不方便；Ledger 公司曾於 2020 年發生客戶資料外洩事件（電子郵件、地址遭洩），雖未影響裝置本身的安全，但用戶信心受損並引爆一波釣魚攻擊；最近推出的「Ledger Recover」服務引發爭議，擔心韌體更新可能讓助記詞分片在線託管——有用戶認為這與純離線冷錢包理念矛盾（Ledger 官方則堅持此服務為自選並經過特殊安全設計，但 2023 年仍引起社群爭議）。
Overview: Ledger is almost synonymous with “hardware wallet” in the crypto world. Founded in France in 2014, Ledger has sold over 7 million devices as of 2024, dominating the market. If you have significant crypto holdings, many experts will suggest, “get a Ledger.” The flagship models are the Ledger Nano S Plus (budget-friendly, no Bluetooth) and Ledger Nano X (Bluetooth enabled, more memory for apps). In 2023, they also introduced Ledger Stax, a premium device with a touchscreen. These devices keep your private keys in a secure chip, isolated from internet access. When you want to sign a
總結： Ledger 幾乎等同於加密貨幣界的「硬體錢包」代表。公司成立於法國，從 2014 年至今已售出超過 700 萬台設備，市場占有率極高。只要你有較大量加密資產，許多專家建議「一定要用 Ledger」。主打系列有 Ledger Nano S Plus（平價版、無藍牙）與 Ledger Nano X（藍牙款、有更多 App 記憶體），2023 年更推高階觸控型 Ledger Stax。這些設備將私鑰存放於安全元件晶片內、完全隔離網路。當你需要簽署交易時……transaction (be it sending crypto, swapping on DeFi, minting an NFT, etc.), the transaction data is sent to the device (via USB or Bluetooth), you review details on the device’s screen, and press buttons to confirm.
無論是發送加密貨幣、在 DeFi 上進行兌換、鑄造 NFT 等，交易資料會透過 USB 或藍牙傳送到裝置，你可以在裝置螢幕上檢視詳細資訊，並按下按鈕來確認。
The signed output is then sent back to the app to broadcast. This means even if your computer or phone had malware, it couldn’t steal your keys or forge a transaction you didn’t approve – the physical security factor is huge.
簽章後的輸出會傳回應用程式進行廣播。這代表即使你的電腦或手機感染惡意軟體，也無法竊取你的密鑰，或偽造任何你未經同意的交易——這種實體安全性具備極大優勢。
While hardware wallets like Ledger can be used with many wallet interfaces, Ledger’s own app, Ledger Live, provides a comprehensive solution. With Ledger Live, you can add accounts for numerous coins – Bitcoin, Ethereum, Ripple, Polkadot, you name it – and manage them all in one place. It also has integrated services: you can buy crypto through partners, stake certain coins (Ledger Live has built-in staking for Tezos, Polkadot, ETH, etc.), and even use DeFi apps.
像 Ledger 這樣的硬體錢包可以搭配各式錢包介面使用，Ledger 自家推出的 Ledger Live 則是一套完整的解決方案。在 Ledger Live，你可以新增多種幣種帳戶——比特幣、以太坊、瑞波幣、Polkadot 等應有盡有——並集中在同一個地方管理。它也內建許多服務：你可以通過合作夥伴購買加密貨幣，質押特定幣種（如 Tezos、Polkadot、ETH 等），甚至能直接使用 DeFi 應用。
For example, Ledger Live features a “Discover” section with apps like Paraswap (for token swaps across DEXs) and Lido (for staking ETH). It also supports connecting to any external dApp via WalletConnect, so you could initiate a Uniswap trade on Ledger Live or on your phone browser, and then confirm it on the Ledger device. Essentially, Ledger Live + Nano device gives you a combination of convenience and security – not as quick as a pure hot wallet, but much safer for large amounts.
舉例來說，Ledger Live 裡有“Discover 探索”區，收錄了像 Paraswap（跨 DEX 代幣兌換）及 Lido（ETH 質押）等應用程式。它也支援透過 WalletConnect 連接任何外部 dApp，所以你可以在 Ledger Live 或手機瀏覽器發起 Uniswap 交易，最後在 Ledger 裝置上確認。本質上，Ledger Live 結合 Nano 裝置提供你便利性與安全性的雙重保障——雖然操作速度不及熱錢包，但對於大額資金來說安全性高得多。
Ledger’s widespread adoption means almost every DeFi application that connects wallets will support Ledger (usually via connecting to Ledger through MetaMask or similar). Many serious DeFi users use a Ledger integrated with MetaMask: MetaMask handles the connection, but every action requires the Ledger confirmation. This way, they enjoy the familiarity of MetaMask with the security of Ledger.
Ledger 普及率極高，幾乎所有支援外接錢包的 DeFi 應用都能用 Ledger（通常是透過 MetaMask 或類似服務間接連接）。許多進階 DeFi 用戶會把 Ledger 跟 MetaMask 結合：由 MetaMask 負責連線，每個操作都必須在 Ledger 上確認。這讓他們同時享有 MetaMask 的直覺體驗與 Ledger 的加密安全。
No hardware wallet review is complete without noting that you must keep your recovery seed (the 24-word card that comes with the device) safe. The device protects against digital theft, but if you lose the device and the seed, funds are gone; if someone finds your written seed, they can import it to a software wallet and steal everything (which is why some use metal backups and/or split the phrase in parts). Ledger’s security has been impeccable on the device side – hardware wallets have been stolen or hacked only when users chose weak PINs or were physically compromised.
任何硬體錢包的評測都不可能不提醒你一定要妥善保管恢復助記詞（隨裝置附上的 24 字助記卡）。裝置本身能防止數位竊盜，但如果你遺失了裝置和這組助記詞，資金就會全部消失；如果有人拿到你書寫的助記詞，他們也能在其他軟體錢包中匯入，竊取全部資產（因此有些人會用金屬備份或把助記詞分開保存）。就裝置本身來說，Ledger 的安全性無可挑剔——硬體錢包被盜或被攻破的案例，幾乎都是用戶設定弱 PIN 或者人身安全遭到威脅導致。
The 2020 customer database leak was unfortunate: it meant scammers could target Ledger owners with fake emails or even home visits. That incident reminded users to never share their seed and that Ledger (the company) will never ask for it. Despite that PR hiccup, Ledger has since improved privacy and remains the most trusted name in crypto storage.
2020 年的客戶資料庫外洩事件相當不幸：這導致詐騙者能針對 Ledger 用戶發送假郵件，甚至上門詐騙。這次事件再次提醒所有用戶「不要分享你的助記詞，而且 Ledger 官方永遠不會要求你提供」。儘管有這次公關危機，Ledger 後來加強了隱私保護，並依然是加密資產儲存領域最值得信任的品牌。
In summary, Ledger is the gold standard for securing DeFi funds. If you are serious about crypto investing or holding, you likely will end up with a Ledger or similar device. It might be slightly less convenient for rapid trading (each transaction needs device approval), but many find the peace of mind well worth the extra seconds. With hundreds of millions (if not billions) of dollars secured by Ledgers worldwide, it’s a proven solution to keep your keys safe while still allowing you to engage with the exciting world of DeFi.
總結來說，Ledger 是 DeFi 資金安全的黃金標準。如果你打算長期投資或持有加密資產，很可能終究會選擇 Ledger 或同類型裝置。雖然不如純熱錢包方便應付高頻交易（每次都需在裝置上確認），但多數人認為多花幾秒，換來的安心絕對值得。全球以 Ledger 保護的資產總額數億、甚至數十億美元，這已是經過驗證，既能保障密鑰安全又不失 DeFi 樂趣的可靠方案。
Exodus (Launched 2016; ~1.5 million active users)
Pros: User-friendly and visually appealing interface – Exodus is known for its beautiful design and intuitive layout, great for beginners; supports 260+ cryptocurrencies with an emphasis on multi-chain capability (Bitcoin, Ethereum and tons of ERC-20s, Solana, Binance Chain, Algorand, etc.); built-in exchange feature that lets you swap one asset for another within the wallet (powered by exchange partners) – very convenient for quick trades; offers desktop, mobile, and now browser extension versions, syncing across devices with an option to link your wallet via email for easy login (this uses secure encryption of keys); integrates apps for earning yield, such as staking for Algorand, Cosmos, Tezos and others directly in wallet; strong customer support for a wallet (24/7 support and a comprehensive knowledge base) since Exodus is a formal company.
優點： 介面親切美觀——Exodus 以漂亮的設計和直觀的操作版面聞名，特別適合新手；支援 260 種以上加密貨幣，且著重多鏈擴充能力（包括比特幣、以太坊、大量 ERC-20 代幣、Solana、幣安鏈、Algorand 等）；內建資產兌換功能，可在錢包內直接交換資產（由合作交易所支援），非常方便進行即時小額兌換；提供桌面版、手機版與瀏覽器擴充版，支援跨裝置同步，並可選擇以電子郵件連結錢包以便快速登入（採用密鑰加密技術）；直接內建可賺取收益的應用程式，如 Algorand、Cosmos、Tezos 及其他幣種的質押功能；作為正規公司，Exodus 擁有強大的客戶支援（全年無休客服與完整知識庫）。
Cons: Closed source (mostly) – unlike many crypto wallets, Exodus’s code is not fully open for community review (though some components are open source). This means users have to place some trust in the Exodus team regarding security and privacy practices; in the past, fees for the built-in exchange were somewhat high due to partner spreads – it’s convenience for a price (advanced users might get better rates using a DEX or exchange directly); it lacks some advanced DeFi functionalities – for example, you can’t connect Exodus directly to Web3 dApps (until recently – the new browser extension version is changing this, but it’s still growing) and it doesn’t natively support things like NFT galleries (you can store NFTs like any asset, but there’s limited viewing support); being a pretty app, it sacrifices some customization – you might not get as granular control over gas fees or coin-specific settings as in other wallets.
缺點： 大多數為封閉原始碼——與多數加密錢包不同，Exodus 並未完全開放原始碼接受社群審查（但部分元件有開源）。這代表使用者需對 Exodus 團隊的安全與隱私承諾抱有一定信任；過去內建兌換功能的手續費偏高（主要因合作交易所的價差），享受便利也是要付出代價（進階用戶或許能直接用 DEX 或交易所拿到較好匯率）；缺乏部分進階 DeFi 功能——例如不能直接連接 Web3 dApps（直到最近新的瀏覽器擴充版本才開始改善這點但還在發展中）；也沒有內建 NFT 展示功能（可存放 NFT，但僅有限度地瀏覽）；介面美觀的同時，犧牲了部分自訂能力——不像其他錢包能細緻調控 gas 費及幣種特定設定。
Overview: Exodus is often recommended as a great starting wallet for newcomers because of its emphasis on design and ease. When you open Exodus, you’re greeted with a colorful portfolio chart, and navigating the wallet feels almost like using a modern banking app. Launched in 2016, Exodus has grown steadily and by 2024 it had around 1.5 million monthly active users and strong financials (it’s one of the few wallet companies that publishes earnings, as it did a regulated offering of its stock). They pride themselves on being a bridge between the traditional tech world and crypto – making self-custody palatable and even delightful.
總覽： Exodus 通常被推薦給剛入門的新手，因其注重設計與易用性。打開 Exodus，首先映入眼簾的就是色彩繽紛的投資組合圖表，整體操作幾乎像在用現代化的銀行 App。自 2016 年推出後，Exodus 穩步成長，到 2024 年時每月活躍用戶約 150 萬且財務狀況穩健（是少數會公開財報且曾進行合法股票發行的錢包公司）。他們自豪於扮演傳統科技界與加密世界的橋樑——讓自主管理資產不再令人卻步，甚至覺得有趣。
Exodus is non-custodial; you control your 12-word secret phrase. The wallet supports a wide array of coins and makes it easy to send/receive them. A highlight is the exchange: you can swap coins right in the wallet interface. For example, swap Bitcoin for Ethereum or USDC for Solana with just a few clicks. Exodus partners with providers like ShapeShift and ChangeNOW for these swaps. While this isn’t as price-efficient as using a dedicated exchange, it’s very user-friendly.
Exodus 屬於非託管型錢包，你掌控自己的 12 字祕密助記詞。它支援大量幣種，並可輕鬆收付款。其亮點在內建兌換服務：你可以直接在錢包介面裡兌換幣種，例如只需幾步就能把比特幣換成以太幣，或 USDC 換成 Solana。這些兌換由 ShapeShift、ChangeNOW 等合作夥伴提供。雖然價格效率不如專業交易所，但使用體驗極為友善。
Another big plus: Exodus has expanded beyond just storage to provide financial tools. It has staking built-in for certain assets – e.g., you can stake Cardano, Solana, Cosmos, and more by just clicking “earn rewards” and following simple steps, no need to manually delegate through complicated interfaces.
另一大優點：Exodus 不只是錢包，還提供了金融工具。它直接內建部分幣種的質押選項——例如 Cardano、Solana、Cosmos 等，你只需點選「賺取獎勵」並依指示簡單操作，無需再透過繁瑣介面進行手動委託。
The wallet also added DeFi “Apps” in its desktop version (one-click access to Compound finance for lending, for instance). And importantly, in late 2022, Exodus released the Exodus Web3 Wallet, a browser extension that works similar to MetaMask but ties into your Exodus account. This finally allows Exodus users to connect to any Web3 dApp (Uniswap, OpenSea, etc.) through the familiar Exodus interface. It syncs with the desktop/mobile, meaning you can view the same assets across platforms.
桌面版 Exodus 也已增設 DeFi「應用」區（例如可一鍵連接 Compound 進行借貸）。更重要的是，Exodus 於 2022 年底推出 Exodus Web3 Wallet 瀏覽器擴充套件，運作方式類似 MetaMask，並可與你的 Exodus 帳戶串接。這終於讓 Exodus 用戶能用熟悉的介面連接任何 Web3 dApp（如 Uniswap、OpenSea 等），而且可與桌面、手機 App 同步資產顯示，跨平台體驗一致。
Security-wise, Exodus hasn’t suffered breaches, but the closed-source nature means one has to trust their security team. They do use standard encryption (keys are encrypted on your device, and if you enable their sync via email feature, it encrypts your keys with a password and stores it so you can use email as a username essentially). Some advanced users dislike this approach as being too reliant on the company’s cloud, but others find it convenient for multi-device use.
安全方面，Exodus 至今尚未出現重大資安事件，但其封閉原始碼的特性代表用戶必須信賴其資安團隊。他們採用標準加密技術（密鑰保存在本機加密，如果你啟用電子郵件同步功能，則會用密碼加密後保存，讓你幾乎可用 Email 當帳號登入）。有些進階用戶不喜歡這種用法，認為太倚賴官方雲端，但也有人認為這對多裝置操作來說很方便。
Exodus’s model as a company means they make money through the spreads on swaps and some partnerships. They have customer support, which is a rarity for non-custodial wallets – so if you have an issue, you can actually email or chat with Exodus support (they won’t be able to recover funds if you lost keys, but they can help with using the app).
Exodus 作為公司營運，收入主要來自幣種兌換的差價和合作夥伴計畫。他們具有客服團隊，這在非託管型錢包很少見——所以如果有問題，你真的能發 email 或線上聊天找 Exodus 客服（雖然如果你丟失助記詞他們無法幫你找回資金，但仍可協助你操作 App）。
In summary, Exodus is like the “Apple of crypto wallets” – very design-centric, aiming for things to “just work” for the user. It might not satisfy the hardcore DeFi user who wants complete open-source and fine-tuned control, but it excels at providing a polished experience. Many users start with Exodus to get comfortable, and some stick with it long-term because it continues to improve (with new features like the NFT support and Web3 extension addressing prior limitations). It’s a strong choice if you want a multi-asset wallet on desktop or mobile that’s backed by a reputable company and offers a lot under one roof.
總而言之，Exodus 有點像「加密錢包界的蘋果」——極度強調設計與易用性，以「用戶開箱就能用」為目標。雖然無法滿足所有想要完全開放和細節控制的進階 DeFi 使用者，但提供了極為完整流暢的體驗。許多用戶都從 Exodus 入門，熟悉後甚至長期愛用，因為它功能持續優化（例如新增 NFT 支援和 Web3 擴充等）。如果你想在桌機或手機上擁有一款由知名公司開發、同時支援多資產且功能齊全的錢包，Exodus 會是很好的選擇。
How to Choose a DeFi Wallet: Key Criteria to Consider
選擇 DeFi 錢包方法——值得考慮的關鍵條件
With so many wallet options on the table, choosing the right one can feel daunting. But selecting a DeFi wallet really comes down to evaluating your own priorities and usage patterns. Here are several key criteria and questions to consider when picking a DeFi wallet for your needs:
市面上錢包選擇繁多，挑對一個錢包往往讓人不知從何下手。但其實選擇 DeFi 錢包，關鍵在於評估自身的需求與使用習慣。以下是選錢包時你可以參考的幾個核心標準與自問的問題：
Security vs. Convenience
安全性與便利性的取捨
All the wallets we discussed are non-custodial (you control the keys), but the degree of security can vary. If you’re managing significant funds or plan to hold for the long term, a hardware wallet or a wallet with advanced security (like social recovery or MPC) should be strongly considered. Hardware wallets like Ledger or Trezor provide excellent security but add a bit of friction to every transaction (you need the device to confirm actions). On the other hand, a pure software wallet (MetaMask, Trust Wallet, etc.) on your phone or PC is very convenient for frequent trades and dApp interactions – but you’re more exposed if your device is compromised. Think about your own risk tolerance. If you’re an active trader doing small transactions daily, you might lean towards the convenience of a hot wallet. If you’re a “HODLer” holding larger amounts or only occasionally using DeFi, a hardware wallet or a solution like Argent (with protected transactions) might be worth the extra steps for peace of mind.
我們介紹的錢包都是非託管型（私鑰完全由你自己掌控），但安全等級仍然有所不同。如果你要管理大筆資金或者長期持有，建議優先考慮硬體錢包或具備進階安全功能的錢包（如社交恢復、MPC 多方計算等）。硬體錢包如 Ledger、Trezor 提供極佳的安全性，但每筆交易都需額外確認，略為繁瑣。反觀純軟體錢包（MetaMask、Trust Wallet 等）安裝在手機或電腦上，適合頻繁進行小額交易和 dApp 操作，但一旦裝置被入侵安全風險較高。你可依自己的風險承受度評估：如果經常小額交易，熱錢包的便利性可能更適合你；如果以長期持有為主或只偶爾用 DeFi，則硬體錢包或像 Argent 這類有保護機制的解決方案會讓你更安心，儘管操作多幾步驟。
Supported Assets and Blockchains
支援的資產與區塊鏈
Make sure the wallet you choose supports all the cryptocurrencies you own
選擇錢包時，務必確認它能支援你持有的所有加密貨幣（或計劃持有的資產）。如果你主要活躍於以太坊生態（ERC-20 代幣、以太坊相關的 dApp），像 MetaMask、Coinbase Wallet 或 Argent 這類錢包會比較合適。如果你同時涉足其他生態系——比如你持有一些 Solana NFT、幣安智能鏈（BSC）代幣或 Cosmos 相關幣種——你會需要像 Trust Wallet、SafePal 或 Exodus 這種多鏈錢包，一個錢包內就能存放多種類型的資產。有些錢包可能需要手動新增自定義網路或代幣，這對有經驗的人來說沒問題，但對新手就比較有難度。一般建議，先把你前五到十個持有或打算使用的幣種列出來，確認該錢包原生就有支援。此外，有些錢包正擴大多鏈支援（例如 Phantom 已在 Solana 錢包中加入以太坊支援）。如果你想探索較新的區塊鏈或特定 DeFi 協議生態，務必確保你的錢包能連接。你有可能會用到不只一個錢包（許多人也這樣）——例如，一個存比特幣、另一個用於以太坊 DeFi 等等——但這樣會增加備份管理的複雜度。許多現代錢包試著成為一站式解決方案，但還是要確認它是否真的支援你的資產。
使用體驗與易用性
尤其對 DeFi 新手來說，上手難度非常關鍵。有些錢包操作非常直覺、界面乾淨（Exodus、Coinbase Wallet 和 Argent 常被稱讚好用），也有些會顯露更多技術細節（比如 MetaMask 預設會讓你自行設置 Gas 費用，且顯示更底層的資訊）。想想你對 gas、交易確認、或新增網路這類概念的熟悉度。如果你覺得這些很難懂，選擇可以簡化這些步驟的錢包（如 Argent 在 Layer-2 會自動處理很多細節，或 Coinbase Wallet 簡化整個流程）可能比較適合。相反地，如果你想學習並且全權掌控，可以考慮像 MetaMask 這樣讓你看到並調整參數的錢包。另外，也考慮下視覺和組織性：你喜歡看到你的投資組合價值和圖表嗎？（Exodus 這方面做得很好。）你需要暗黑模式嗎？（多數錢包都有，但這類小細節會影響每日使用體驗。）也可以看看錢包有沒有提供教學支援——很多都有內建提示或教學連結。由於 DeFi 錢包都是自主管理私鑰，請挑選一個讓你有掌控感、不會被資訊壓垮的錢包。
與 DeFi 平台的相容性
如果你主要目的是參與 DeFi——像是在去中心化交易所（DEX）換幣、借貸、挖礦、NFT 交易等等——那一定要確認這個錢包能輕鬆連接到 dApp。像 MetaMask、支援 WalletConnect 的錢包（包含 Trust、SafePal、Crypto.com DeFi Wallet 等），以及 Phantom（用於 Solana dApp）都被 DeFi 平台廣泛支援。選錢包前，建議先列出三到五個你打算用的 DeFi dApp（例如：Uniswap、Aave、OpenSea、PancakeSwap 等），確保你的錢包可以連接。舉例來說，MetaMask 幾乎可以連上所有以太坊生態的 dApp。Trust Wallet 沒有瀏覽器擴充功能，但支援 WalletConnect——多數 dApp 也支援（WalletConnect 可以讓你用手機錢包，掃桌機瀏覽器上的 QR code 連接）。
Coinbase Wallet 有瀏覽器擴充版，也有行動版內建 dApp 瀏覽器。Argent 屬於偏向獨立 app，比較不能在以太坊主網上直接連接外部 dApp（但內部整合了一些服務）。如果你需要的是大範圍 DeFi 支援，選擇有瀏覽器擴充或 WalletConnect 功能強大的錢包最理想。如果你只是想被動持幣、偶爾再調整或質押，那 dApp 連接性就沒那麼重要——反而可能會更看重好用的內建收益介面或簡單的兌換功能。總之，請把你的 DeFi 使用需求跟錢包連接性對齊。
備份與恢復選項
這往往被忽略卻很關鍵：如果出問題時要怎麼恢復錢包？所有自主管理的錢包都有備份方式，通常是助記詞。你有信心把助記詞安全保存嗎？如果不太有把握，可以考慮支持其他備份方式的錢包。
例如 Argent 的社交恢復模式，讓你不用單一紙本備份——你用守護人來幫忙恢復。ZenGo 則完全不用助記詞，改用雲端備份加臉部辨識。這些方式減少遺失助記詞的風險，但也有相對的權衡（Argent 需要事先設好守護人，ZenGo 必須信任他們的方案）。部分錢包如 Coinbase Wallet 或 Trust Wallet 可以把私鑰加密備份到雲端（Google Drive/iCloud）——很方便，但有人不喜歡有任何網路備份，就算是加密也一樣。想想你的具體狀況：如果手機丟了或電腦壞了，你有辦法確保紙本備份長久保存嗎？如果可以，基本上選任何錢包都行——只要多做幾份助記詞妥善保存。如果不太行，你可能會傾向選擇有更友善備份方案的錢包（就算要做一點自主管理的讓步，比如 ZenGo 的第三方分片、或 Argent 依賴朋友）。備份容易，對打算帶家人或不熟科技的朋友進場特別重要——對他們來說 ZenGo 或 Argent 會比 MetaMask 不小心遺失助記詞更包容。
社群與客服支援
DeFi 世界變化很快，有時你可能會遇到問題或 bug。要考慮錢包背後的社群和客服。有 Telegram/Discord 或論壇可以發問嗎？公司有官方支援管道嗎？例如 Exodus 有強大的客戶支援團隊。Ledger 有完整文件和客服中心（但回覆速度依情況而異）。Trust Wallet 有社群論壇和 FAQ。MetaMask 這類更去中心化的軟體，多靠社群和文件（而且求助時要小心假冒者！）。活躍的社群通常代表錢包有持續更新與用戶支持。選擇前，可以看看他們的 Twitter 或社群頁面，評估一下團隊回應速度與溝通程度。
另外再看下次更新日期——積極開發表示有跟上市場新趨勢與安全修補。使用 DeFi 錢包本質上等於自己當銀行，有一個官方或用戶導向的支援網絡，會更安心。
特色功能
最後再看看你是否有特別重視的功能或需求。
舉例，若你很關心 NFT，會希望錢包能漂亮展示並輕鬆交易 NFT（Phantom 和 Trust Wallet 做得不錯，MetaMask 行動版也開始能看，Coinbase Wallet 的 NFT 畫廊很美觀）。如果你想大量參與質押或收益農場，選擇有內建相關功能的錢包（Exodus 和 Argent 都有內建，SafePal 與 Trust 也有收益專區）。
如果注重隱私，可考慮可連 Tor 或有隱私加強功能的錢包（主流的不多、比特幣可以選 Wasabi、或者以太坊生態支持匿名合約的錢包——但多半超出新手範圍）。若你需要多重簽章（交易需多方同意，適合共同帳戶或高安全需求），可能要選像 Gnosis Safe 這類專門的錢包——但日常用起來沒那麼直觀。大多數個人用戶用不到多簽，但若你要管理團體資金或 DAO 可留意。有些錢包（Exodus、Ledger、Trust）內建法幣入金功能，可以讓你直接用信用卡或銀行轉帳購幣（合作方提供）。有需要時這種便利很加分。
總之，如果除了標準的收發/連接以外有其他需求（比如：“想看到投資組合的本地貨幣價值”——很多錢包都支援；或者“價格異動時收到通知”——部分錢包有推播或價格追蹤），這些小細節也許會讓你在兩者之間做出選擇。
結論：用對的錢包開展你的 DeFi 之旅
如果你是新手或輕度投資人，應該優先考慮簡單上手。像 Exodus 或 Coinbase Wallet 這種用戶友善的錢包，可以輕鬆入門，讓你在不感到壓力下學會自主管理資產。這類錢包介面清爽、資源豐富，自主管理私鑰不再那麼可怕。
等你越來越熟悉後，可能會想進階使用 MetaMask 這類錢包，進一步解鎖 DeFi 生態全部功能——甚至當資產累積到一定規模，配合 Ledger 這些硬體冷錢包提高安全性。最大優點是你可以從簡單出發，隨時逐步升級到更進階的方案。
對於資深用戶或管理較大資產組合的人來說，安全肯定是最重視的關鍵。
你很可能會選擇經過市場考驗的方案：或許用 Ledger 做冷儲存、用 Argent 體驗智能安全、或用 SafePal 在行動便利與硬體安全之間靈活切換。你很清楚，用 DeFi 錢包就是自己做保管人，所以也會練習正確的工具和習慣（備份、硬體、多簽等），讓自己能安心入睡。現在的錢包大多瞄準軍規安全而不犧牲太多易用性——只要你花點時間設定及學習。
綜合來說，選擇 DeFi 錢包其實是個人化決定。重點在哪個最讓你安心且充滿信心。對的錢包會讓你用 DeFi 服務變得直覺甚至有趣，不會只是壓力噩夢。它會幫助你建立財務主權，一次一筆交易。因此，請花點時間做好研究（我們希望這篇文章對您有所幫助），而且不要害怕用少量資金測試幾個錢包，看看哪一種最適合自己。