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