Best eCash (XEC) wallet app for real use
XEC · Multichain networkLooking for a eCash wallet or a XEC wallet app that does more than just hold? Zypto App is a non-custodial multichain DeFi wallet where you can hold XEC 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.
Why Zypto is the best eCash (XEC) wallet for everyday use
Most eCash wallets do one thing: hold XEC. Zypto App is a full DeFi wallet built for actually using it. Hold XEC 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 eCash wallet app or your first XEC 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.
eCash wallet for beginners and the best XEC wallet app
New to eCash? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working XEC wallet in under a minute. Add your first XEC by receiving from another wallet, or by buying in-app where supported.
From zero to using eCash
Get the app
Download Zypto App on iOS or Android. Generate your recovery phrase. Your keys stay on your device.
Add XEC
Receive XEC 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.
How safe is your eCash in Zypto App?
Zypto App is non-custodial. Your private keys are generated and stored on your device. Zypto never has access to your XEC, 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 eCash?
eCash, traded as XEC, is a cryptocurrency descended from the Bitcoin Cash lineage, focused on fast, low-cost payments and everyday transactions. It carries forward ideas from earlier electronic cash concepts and aims to be practical for spending. The XEC coin is produced through proof-of-work mining and has a very large supply, which keeps its per-unit price low. The project has pursued features intended to improve scalability and finality. It sits within the family of payments-oriented coins derived from Bitcoin's design. You can track the eCash price and hold XEC in a self-custody wallet.
What you can do with eCash in Zypto
Every feature works directly with your XEC balance. No selling, no exchange roundtrips.
Use a Crypto Visa Card
Top up the Zypto Premium Visa Card with XEC and use it wherever Visa is accepted. Physical or virtual.
Crypto cardsPay bills with eCash
Settle utility bills and mobile contracts with billers worldwide, paid from your XEC balance.
Bill payBuy gift cards with XEC
Gift cards from popular brands, paid in eCash. Settle in-app, redeem instantly.
Gift cardsTop up any phone
Send mobile credit across many countries in seconds. Pay with XEC, recipient gets local airtime.
Mobile top-upsCross-chain swaps
Swap eCash 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 eCash transactions, keys never touch the internet.
Vault Key CardPay via KuCoin Pay
Move and pay with XEC across the KuCoin Pay network, straight from your non-custodial Zypto wallet.
KuCoin PayHold any of these alongside eCash
Cross-chain swaps mean your XEC can become any of these in two taps.
662+ dedicated wallet pages
eCash wallet FAQs
What's the best eCash wallet app?
That depends on what you want to do with your XEC. If you're holding only, any non-custodial wallet works. If you also want to use eCash 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 eCash wallet non-custodial?
Yes. Your private keys are generated and stored on your device. Zypto never has access to your XEC. Every transaction is signed locally on your device before it reaches the network.
Can I use eCash for real-world spending without selling it?
Through the Zypto Premium Visa Card, your XEC 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 XEC into stablecoins in-app for bill pay or gift cards.
Which chains can I swap eCash 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 eCash 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.