The Toshi wallet built for spending, not just holding
TOSHI · Multichain networkLooking for a Toshi wallet or a TOSHI wallet app that does more than just hold? Zypto App is a non-custodial multichain DeFi wallet where you can hold TOSHI 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.
Toshi in Zypto: built for holders who actually use their crypto
Most Toshi wallets do one thing: hold TOSHI. Zypto App is a full DeFi wallet built for actually using it. Hold TOSHI 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 Toshi wallet app or your first TOSHI 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 TOSHI to your first swap - Zypto walks the path
New to Toshi? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working TOSHI wallet in under a minute. Add your first TOSHI by receiving from another wallet, or by buying in-app where supported.
From zero to using Toshi
Get the app
Download Zypto App on iOS or Android. Generate your recovery phrase. Your keys stay on your device.
Add TOSHI
Receive TOSHI 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 Toshi 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 TOSHI, 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.
Beyond holding: what your Toshi can actually do
Every feature works directly with your TOSHI balance. No selling, no exchange roundtrips.
Use a Crypto Visa Card
Top up the Zypto Premium Visa Card with TOSHI and use it wherever Visa is accepted. Physical or virtual.
Crypto cardsPay bills with Toshi
Settle utility bills and mobile contracts with billers worldwide, paid from your TOSHI balance.
Bill payBuy gift cards with TOSHI
Gift cards from popular brands, paid in Toshi. Settle in-app, redeem instantly.
Gift cardsTop up any phone
Send mobile credit across many countries in seconds. Pay with TOSHI, recipient gets local airtime.
Mobile top-upsCross-chain swaps
Swap Toshi 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 Toshi transactions, keys never touch the internet.
Vault Key CardPay via KuCoin Pay
Move and pay with TOSHI across the KuCoin Pay network, straight from your non-custodial Zypto wallet.
KuCoin PayPair Toshi with these in the same wallet
Cross-chain swaps mean your TOSHI can become any of these in two taps.
662+ dedicated wallet pages
Toshi wallet: the things people ask
What's the best Toshi wallet app?
That depends on what you want to do with your TOSHI. If you're holding only, any non-custodial wallet works. If you also want to use Toshi 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 Toshi wallet non-custodial?
Yes. Your private keys are generated and stored on your device. Zypto never has access to your TOSHI. Every transaction is signed locally on your device before it reaches the network.
Can I use Toshi for real-world spending without selling it?
Through the Zypto Premium Visa Card, your TOSHI 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 TOSHI into stablecoins in-app for bill pay or gift cards.
Which chains can I swap Toshi 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 Toshi 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.