Tether (USDT), held the way you control it
USDT · Multichain networkLooking for a Tether wallet or a USDT wallet app that does more than just hold? Zypto App is a non-custodial multichain DeFi wallet where you can hold USDT 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.
What makes Zypto the right place for your Tether (USDT)
Most Tether wallets do one thing: hold USDT. Zypto App is a full DeFi wallet built for actually using it. Hold USDT 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 Tether wallet app or your first USDT 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.
New to Tether? Start here with the right USDT wallet
New to Tether? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working USDT wallet in under a minute. Add your first USDT by receiving from another wallet, or by buying in-app where supported.
From zero to using Tether
Get the app
Download Zypto App on iOS or Android. Generate your recovery phrase. Your keys stay on your device.
Add USDT
Receive USDT 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.
USDT security in Zypto: where your keys actually live
Zypto App is non-custodial. Your private keys are generated and stored on your device. Zypto never has access to your USDT, 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 Tether?
Tether (USDT) is the largest US-dollar stablecoin by market capitalization and the most liquid trading pair on most exchanges and DEXs. It runs across Ethereum, Tron, BNB Chain and other networks, and is widely used for cross-border transfers, on/off-ramping and as a settlement layer for crypto commerce.
Real things to do with your USDT
Every feature works directly with your USDT balance. No selling, no exchange roundtrips.
Use a Crypto Visa Card
Top up the Zypto Premium Visa Card with USDT and use it wherever Visa is accepted. Physical or virtual.
Crypto cardsPay bills with Tether
Settle utility bills and mobile contracts with billers worldwide, paid from your USDT balance.
Bill payBuy gift cards with USDT
Gift cards from popular brands, paid in Tether. Settle in-app, redeem instantly.
Gift cardsTop up any phone
Send mobile credit across many countries in seconds. Pay with USDT, recipient gets local airtime.
Mobile top-upsCross-chain swaps
Swap Tether 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 Tether transactions, keys never touch the internet.
Vault Key CardPay via KuCoin Pay
Move and pay with USDT across the KuCoin Pay network, straight from your non-custodial Zypto wallet.
KuCoin PayOther assets worth holding next to USDT
Cross-chain swaps mean your USDT can become any of these in two taps.
662+ dedicated wallet pages
USDT wallet questions, answered
What's the best Tether wallet app?
That depends on what you want to do with your USDT. If you're holding only, any non-custodial wallet works. If you also want to use Tether 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 Tether wallet non-custodial?
Yes. Your private keys are generated and stored on your device. Zypto never has access to your USDT. Every transaction is signed locally on your device before it reaches the network.
Can I use Tether for real-world spending without selling it?
Through the Zypto Premium Visa Card, your USDT 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 USDT into stablecoins in-app for bill pay or gift cards.
Which chains can I swap Tether 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 Tether 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.