The USAT wallet built for spending, not just holding
USAT · Multichain networkLooking for a USAT wallet or a USAT wallet app that does more than just hold? Zypto App is a non-custodial multichain DeFi wallet where you can hold USAT 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.
USAT in Zypto: built for holders who actually use their crypto
Most USAT wallets do one thing: hold USAT. Zypto App is a full DeFi wallet built for actually using it. Hold USAT 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 USAT wallet app or your first USAT 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 USAT to your first swap - Zypto walks the path
New to USAT? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working USAT wallet in under a minute. Add your first USAT by receiving from another wallet, or by buying in-app where supported.
From zero to using USAT
Get the app
Download Zypto App on iOS or Android. Generate your recovery phrase. Your keys stay on your device.
Add USAT
Receive USAT 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 USAT 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 USAT, 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 USAT?
USAT is a US dollar stablecoin designed to hold a steady value of around one dollar, intended for payments, trading, and use across on-chain applications. It belongs to the broad category of fiat-pegged tokens that aim to provide stability against typical crypto volatility. The token follows the familiar reserve-backed stablecoin model, where each unit is meant to correspond to backing held to support the peg. Its purpose is to serve as a dependable dollar-denominated asset on-chain. As with all stablecoins, its trustworthiness depends on the quality and transparency of its reserves. You can follow the USAT price and hold it in a self-custody wallet.
Beyond holding: what your USAT can actually do
Every feature works directly with your USAT balance. No selling, no exchange roundtrips.
Use a Crypto Visa Card
Top up the Zypto Premium Visa Card with USAT and use it wherever Visa is accepted. Physical or virtual.
Crypto cardsPay bills with USAT
Settle utility bills and mobile contracts with billers worldwide, paid from your USAT balance.
Bill payBuy gift cards with USAT
Gift cards from popular brands, paid in USAT. Settle in-app, redeem instantly.
Gift cardsTop up any phone
Send mobile credit across many countries in seconds. Pay with USAT, recipient gets local airtime.
Mobile top-upsCross-chain swaps
Swap USAT 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 USAT transactions, keys never touch the internet.
Vault Key CardPay via KuCoin Pay
Move and pay with USAT across the KuCoin Pay network, straight from your non-custodial Zypto wallet.
KuCoin PayPair USAT with these in the same wallet
Cross-chain swaps mean your USAT can become any of these in two taps.
662+ dedicated wallet pages
USAT wallet: the things people ask
What's the best USAT wallet app?
That depends on what you want to do with your USAT. If you're holding only, any non-custodial wallet works. If you also want to use USAT 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 USAT wallet non-custodial?
Yes. Your private keys are generated and stored on your device. Zypto never has access to your USAT. Every transaction is signed locally on your device before it reaches the network.
Can I use USAT for real-world spending without selling it?
Through the Zypto Premium Visa Card, your USAT 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 USAT into stablecoins in-app for bill pay or gift cards.
Which chains can I swap USAT 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 USAT 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.