Guarda Wallet vs ZenGo

Guarda Wallet is a non-custodial cryptocurrency wallet, operating since 2017, that lets users buy, sell, exchange, and stake Bitcoin, Ethereum, and thousands of other assets while keeping control of their own private keys. It is available as a desktop app, mobile app, web wallet, and Chrome browser extension. Beyond basic storage, Guarda offers staking rewards across 14 networks, loan services for stablecoins and crypto, and integrations for prediction markets and perpetuals trading. The company charges no fees of its own, with users paying only underlying blockchain network fees, and reports over 1 million active users with a 4.3/5 Trustpilot rating from more than 2,100 reviews.

ZenGo is a mobile-first, non‑custodial cryptocurrency wallet that eliminates private keys by using threshold cryptography and facial recognition. It lets users store, buy, swap, and earn crypto without the risk of losing seed phrases. The app offers built-in DeFi access, instant crypto purchases via credit cards, and a secure, user‑friendly interface that works on both iOS and Android devices. ZenGo also provides a crypto‑backed debit card for everyday spending.

• No fees charged by Guarda itself, only blockchain network fees
• Operating since 2017 with over 1 million reported active users
• Supports Monero, unlike many competing multi-chain wallets
• Available across desktop, mobile, web, and browser extension

• No seed phrase to lose
• Fast facial login
• Integrated DeFi tools
• Crypto debit card for real‑world use

• As a non-custodial wallet, users are fully responsible for backing up their own recovery phrase
• Wide feature set (loans, perpetuals, predictions) may be more than casual users need
• Trustpilot rating of 4.3/5, while solid, includes some negative reviews worth reading before large deposits

• Limited to mobile platforms
• Higher fees for card purchases
• No desktop or web version