1inch Wallet vs Lumo Wallet

How 1inch Wallet vs Lumo Wallet compare on our ratings, wallet specs, funding, pros and cons.

Feature	1inch Wallet Visit	Lumo Wallet Visit
Ratings
Our score	4.3/5	3.9/5
User rating	No reviews yet	No reviews yet
Security	4.0	4.0
Ease of use	4.5	4.0
Chain support	4.5	4.0
Features	4.5	4.5
Privacy	4.0	3.0
Specs
KYC required	No	No
Wallet type	Mobile	Mobile, Desktop
Custody	Self-custodial	Self-custodial
Chains	Ethereum, BNB Chain, Polygon, Optimism, Arbitrum, Base, Avalanche, Solana, Other	Bitcoin, Ethereum, Solana, BNB Chain, Arbitrum, Base, Optimism, Polygon, Avalanche, Tron, Other
Platforms	iOS, Android	iOS, Android, macOS, Windows
Hardware wallet support	Yes	Yes
In-app swaps	Yes	Yes
Staking	Yes	Yes
Buy crypto in app	Not disclosed	Yes
WalletConnect	Yes	Not disclosed
Security features	MEV protection, Encrypted file backup, Cloud backup, Hardware wallet integration	AES-256 local encryption, Biometric authentication, Passcode protection, Hardware wallet support, Cyberscan AI transaction insights
Recovery without a seed phrase	No	No
Built-in dApp browser	Yes	Not disclosed
Swap fee	Not disclosed	0.4%
Company
Founded	2019	2026
Headquarters	—	United States
Investors	Not disclosed	Not disclosed
Strengths and weaknesses
Pros	Native swaps across 18+ blockchains without routing through third-party bridges Self-custodial architecture requiring no identity verification or KYC Zero gas fees available on supported swap modes Hardware wallet pairing supported through Ledger devices	Non-custodial architecture with AES-256 local encryption and hardware wallet support Independent Cyberscope security audit completed with a 100% score Flat 0.4% swap fee regardless of the routing provider Zero issuance fee for the virtual Lumo Basic debit card
Cons	No native desktop application available March 2025 exploit on an outdated Fusion parser drained $5 million from resolvers Unbacked private keys cannot be recovered if device access is lost	Short operational history following its July 2026 public launch Debit cards and fiat ramps require KYC verification through external partners Lumo Card Checkout holds business funds custodially until payout Tokenized stock and card availability depends on country-specific partner coverage
Best for	Active multichain DeFi traders, Mobile users swapping across networks, Traders wanting integrated MEV protection	Users spending crypto with debit cards, Multi-chain traders wanting low swap fees, Merchants accepting crypto payments online

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.