The Finance Base / Digital wallets / Guarda Wallet
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Guarda Wallet
Guarda Wallet is a free wallet where users retain control of their digital assets. It covers over 1 million assets on more than 70 networks and works on web, desktop, mobile and through a browser extension. Guarda states that it adds no platform fee, although blockchain charges and partner costs…
Visit guarda.com ↗ What it costs
- 9.3 No. 2on Digital wallets
- Free planprice, as published
- Oct 19, 2026read on
What Guarda Wallet costs
- Guarda Wallet Free
The free Guarda Wallet plan has no stated platform fee, but network charges remain. Purchases and swaps may incur partner fees; Guarda cites around 5% for card purchases and about 2% for SEPA purchases. Gas-Free USDT has a fixed 1.5 USDT network charge and requires 4.5 USDT for the first outgoing transaction.
As wikibitimg.tech002.com publishes them, read Oct 19, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web Windows · Mac · Linux
- Facts on record
- 54
Strengths and limits
Strengths
- Free plan with no stated platform fee
- Coverage of over 1 million assets on more than 70 networks
- Web, desktop, iPhone, Android and browser-extension availability
- Ledger and ERA connections on Web and Desktop
- 24/7 live support is advertised
Limits
- Applicable blockchain fees remain payable
- Purchases and swaps may include partner charges
- Fiat purchase limits and verification vary by country and provider
- Lost keys or backup files may cut off access
- Gas-Free USDT has a 1.5 USDT charge and a 4.5 USDT first-outgoing requirement
What Guarda Wallet does
With Guarda Wallet, users can hold, send, receive, purchase, exchange and stake supported digital assets. Guarda says its first Ethereum wallet launched in 2017.
Guarda describes the wallet as non-custodial and says it neither keeps private keys or seed phrases nor controls user funds. Its coverage exceeds 1 million digital assets across more than 70 blockchain networks, including ERC-20, ERC-721, TRC-10, TRC-20, BEP-2, BEP-20, Waves and Neo formats.
Fees and plans
Access to Guarda Wallet is provided under a free plan. Guarda says there is no platform fee for using the app or making ordinary blockchain transfers, although the relevant network fee remains payable.
Purchases and swaps use ChangeNOW, Guardarian or Simplex. Guarda's help material says partner charges are around 5% for card purchases and about 2% for SEPA purchases. Actual availability, limits and fees depend on the country and provider; Guarda may require identity verification for fiat purchases.
Its Gas-Free Wallet supports TRC-20 USDT with a fixed 1.5 USDT network charge and requires 4.5 USDT for the first outgoing transaction. No other purchase or swap pricing is published in the supplied facts.
Where it runs
You can use Guarda through its web wallet, Windows, macOS and Linux desktop software, iPhone and Android apps, or browser extension. The facts also list an API and developer utilities.
The wallet's stated functions include storing, sending, receiving, buying, swapping and staking supported assets. No separate phone-only restrictions are published in the supplied facts.
Ledger and ERA hardware wallets can be connected on Web and Desktop. Guarda supplies the interface while private keys remain on the hardware device.
Protection and rules, as Guarda publishes them
According to Guarda, private keys, seed phrases and passwords stay outside its custody. It says wallet data is encrypted and stored locally, while users must create an encrypted backup and refresh it whenever assets are added or removed.
If the private keys or backup file are lost, Guarda says wallet access is lost. Its multi-signature option uses the third-party Safe smart account protocol on Ethereum and compatible networks.
The privacy policy says third parties, including Sumsub, Twilio, Guardarian and analytics providers, may process data for KYC, authentication, purchases and site operation. Guarda identifies GUARDACO LDA in Portugal and GUARDIUM LTD in the British Virgin Islands as entities providing wallet services.
Strengths
The service combines storage, transfers, purchases, swaps and staking in one wallet, with support across more than 70 networks.
It provides web, desktop, mobile and browser-extension access, plus Ledger and ERA hardware-wallet connections on Web and Desktop.
Guarda advertises 24/7 live support and offers multi-signature functionality through Safe on supported networks.
Catches to check
A free plan still leaves users responsible for blockchain network fees. Purchases and swaps can also carry partner charges; the published examples are around 5% for cards and about 2% for SEPA.
Fiat purchase availability, limits, fees and identity checks depend on the country and the on-ramp provider. The Gas-Free USDT feature has its own fixed charge and first-transaction requirement.
Users must maintain an encrypted backup. Losing the private keys or backup file can mean losing wallet access.
Who may want another option
Guarda may not fit someone who wants a provider to hold recovery keys or manage access to funds. Digital-wallet comparisons can start with Digital wallets or Coin Wallet.
It may also be a poor match when a needed purchase provider, currency, country, limit or fee is unavailable.
Verdict
Guarda suits people who want one non-custodial interface for digital-asset storage, transfers, purchases, swaps and staking across many networks and device types. The free app has no stated platform fee, but network charges and partner pricing remain part of the cost.
It does not suit readers who prefer provider-held recovery, or who need predictable fiat purchase pricing and availability before identity checks and regional limits are known. Backup discipline is part of using the wallet because access remains the user's responsibility.
Who it suits
Pick it if
- People managing digital assets across several networks
- Users wanting web, desktop and mobile wallet access
- People comfortable keeping their own encrypted backup
Skip it if
- You want a provider to hold recovery keys or manage access
- You need fixed fiat purchase pricing before checking country and provider terms
- You cannot keep an encrypted backup current
Facts we read
- API and licensingIts terms describe an extension API and grant only a personal, non-transferable license that forbids redistribution or code modification, indicating proprietary software. · wikibitimg.tech002.com, Oct 19, 2026
- Asset coverageGuarda says it supports more than 1 million assets across over 70 blockchain networks. · guarda.com, Oct 19, 2026
- Backup requirementUsers must save an encrypted backup and keep it current after adding or deleting wallet assets. · guarda.com, Oct 19, 2026
- Chrome extension capabilitiesThe extension offers multi-chain storage, swaps, purchases, staking, Bitcoin multisig and direct dApp connections. · chromewebstore.google.com, Oct 19, 2026
- Company ownership factsCrunchbase lists the legal name GUARDACO LDA, founder and CEO Paul Sokolov, Lisbon as location and a 1–10 employee range. · crunchbase.com, Oct 19, 2026
- Company profileLinkedIn lists Guarda Wallet as a financial-services company founded in 2017 with 201–500 employees and headquarters in Hayward, California. · linkedin.com, Oct 19, 2026
- Company startGuarda says its first Ethereum wallet launched in 2017. · guarda.com, Sep 30, 2026
- Core functionsUsers can store, send, receive, buy, swap and stake supported digital assets. · guarda.com, Sep 30, 2026
- Cross-platform availabilityThe service is offered through web, Windows, macOS, Linux, iOS, Android and a browser extension. · guarda.com, Oct 19, 2026
- Developer utilitiesGuarda's site lists validation statistics, payment deeplinks, a mnemonic converter and a backup decoder for developers. · guarda.com, Oct 19, 2026
- FeesGuarda says it charges no platform fees for sending or using the app; blockchain network fees still apply. · guarda.com, Sep 30, 2026
- Fiat purchasesUsers can buy crypto inside the wallet through third-party payment providers using methods such as cards and SEPA. · guarda.com, Oct 19, 2026
- Founded2017 · guarda.com, Sep 28, 2026
- Gas-Free USDTIts Gas-Free Wallet supports TRC-20 USDT with a fixed 1.5 USDT network charge and requires 4.5 USDT for the first outgoing transaction. · guarda.com, Oct 19, 2026
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Questions
Is there a charge for Guarda Wallet?
Yes, the listed plan costs nothing, and Guarda says it adds no platform fee for app use or ordinary blockchain transfers. Network fees and some partner fees still apply.
Are my private keys kept by Guarda?
No. Guarda describes the wallet as non-custodial and says private keys, seed phrases and passwords are not stored by it; wallet data is encrypted and kept locally.
What costs can accompany crypto purchases?
Purchases use ChangeNOW, Guardarian or Simplex. Guarda's help material says partner charges are around 5% for card purchases and about 2% for SEPA purchases. Country and provider terms can change availability, limits and fees.
Where can I use Guarda Wallet?
Guarda offers web, Windows, macOS and Linux desktop versions, iPhone and Android apps, and a browser extension. An API and developer utilities are also listed.
If I lose my backup, what happens?
Guarda says losing the private keys or backup file removes access to the wallet. It requires an encrypted backup that is kept current after wallet assets change.
Can Guarda connect to hardware wallets?
Yes. Ledger and ERA hardware wallets can connect on Web and Desktop, with private keys remaining on the hardware device.
How does Gas-Free USDT work?
Guarda's Gas-Free Wallet supports TRC-20 USDT with a fixed 1.5 USDT network charge. The first outgoing transaction requires 4.5 USDT.
Will a fiat purchase require identity checks?
Fiat on-ramp providers may require KYC. Guarda says the need for verification, plus availability, limits and fees, depends on the country and provider.
Is Guarda Wallet yours?
Claim it for free to correct a fact, and see the places you can buy on The Finance Base.