The Dai wallet built for spending, not just holding
DAI · Multichain networkLooking for a Dai wallet or a DAI wallet app that does more than just hold? Zypto App is a non-custodial multichain DeFi wallet where you can hold DAI on the Multichain network, swap into 24,000+ assets, connect to dApps, top up the Zypto Premium Visa Card, pay bills and buy gift cards. All from one app, with your keys staying on your device.
Dai in Zypto: built for holders who actually use their crypto
Most Dai wallets do one thing: hold DAI. Zypto App is a full DeFi wallet built for actually using it. Hold DAI non-custodially on the Multichain network, swap into 24,000+ assets across 20+ chains via in-app DEX integrations, connect to dApps with WalletConnect, and use the value through the Zypto Premium Visa Card and Zypto's bill-pay and gift-card surfaces.
Whether you're new and looking for your first Dai wallet app or your first DAI wallet, or an experienced DeFi user who wants one wallet for holding, swapping and real-world spending, Zypto is built for both, without sacrificing self-custody.
From your first DAI to your first swap - Zypto walks the path
New to Dai? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working DAI wallet in under a minute. Add your first DAI by receiving from another wallet, or by buying in-app where supported.
From zero to using Dai
Get the app
Download Zypto App on iOS or Android. Generate your recovery phrase. Your keys stay on your device.
Add DAI
Receive DAI from another wallet, or buy in-app where supported.
Use it everywhere
Top up the Zypto Premium Visa Card, swap into other assets, pay bills, or buy gift cards.
Keeping your Dai safe - how Zypto handles security
Zypto App is non-custodial. Your private keys are generated and stored on your device. Zypto never has access to your DAI, and every transaction is signed locally. For higher security, pair with the Vault Key Card, the card-based cold-wallet hardware that signs transactions over NFC without exposing keys to the internet.
What is Dai?
Dai is a decentralized US dollar stablecoin that aims to hold a steady value of around one dollar. Rather than being backed by a company holding cash reserves, it is generated against crypto collateral locked in smart contracts, making it one of the foundational stablecoins of decentralized finance. DAI runs on Ethereum and many other networks, including Polygon, Arbitrum, Base, and Solana, so it can be used widely across DeFi. Its peg is maintained through collateral and protocol mechanisms rather than a centralized issuer. It is one of the most established decentralized stablecoins in crypto. You can follow the Dai price and hold DAI in a self-custody wallet.
Beyond holding: what your Dai can actually do
Every feature works directly with your DAI balance. No selling, no exchange roundtrips.
Use a Crypto Visa Card
Top up the Zypto Premium Visa Card with DAI and use it wherever Visa is accepted. Physical or virtual.
Crypto cardsPay bills with Dai
Settle utility bills and mobile contracts with billers worldwide, paid from your DAI balance.
Bill payBuy gift cards with DAI
Gift cards from popular brands, paid in Dai. Settle in-app, redeem instantly.
Gift cardsTop up any phone
Send mobile credit across many countries in seconds. Pay with DAI, recipient gets local airtime.
Mobile top-upsCross-chain swaps
Swap Dai into 24,000+ assets across 20+ chains. No bridges, no second wallet, all in one tap.
Multichain walletVault Key Card cold storage
Card-based cold-wallet hardware. NFC-tap to sign Dai transactions, keys never touch the internet.
Vault Key CardPay via KuCoin Pay
Move and pay with DAI across the KuCoin Pay network, straight from your non-custodial Zypto wallet.
KuCoin PayPair Dai with these in the same wallet
Cross-chain swaps mean your DAI can become any of these in two taps.
662+ dedicated wallet pages
Dai wallet: the things people ask
What's the best Dai wallet app?
That depends on what you want to do with your DAI. If you're holding only, any non-custodial wallet works. If you also want to use Dai for real-world spending through the Zypto Premium Visa Card, pay bills, top up phones, or swap into other assets, Zypto App is purpose-built for that while still being fully non-custodial.
Is the Zypto Dai wallet non-custodial?
Yes. Your private keys are generated and stored on your device. Zypto never has access to your DAI. Every transaction is signed locally on your device before it reaches the network.
Can I use Dai for real-world spending without selling it?
Through the Zypto Premium Visa Card, your DAI balance is converted at the point of sale, so you use the value of your crypto for real-world spending wherever Visa is accepted, subject to eligibility and applicable limits. You can also swap DAI into stablecoins in-app for bill pay or gift cards.
Which chains can I swap Dai into?
20+ chains including Ethereum, Solana, Polygon, Arbitrum, Optimism, BNB Chain and TRON. Cross-chain swaps happen inside the Zypto App, no separate wallets required.
How do I back up my Dai wallet?
During setup, Zypto App generates a 12-word recovery phrase. Write it down and store it offline somewhere safe. For higher security, pair Zypto App with a Vault Key Card, the card-based cold-wallet hardware that signs transactions over NFC without exposing your keys to the internet.
Is Zypto App available in my country?
The wallet itself is available globally on iOS, Android and web. Some features (in-app buying, the Zypto Premium Visa Card) are region-restricted. Check the support center for your country's specific availability.
Is Zypto App free?
The app is free to download and use. Standard network fees apply to on-chain transactions. Card and bill-pay services carry transparent transaction fees published in the app.