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Chivo Wallet vs Gem Wallet

How Chivo Wallet vs Gem Wallet compare on our ratings, wallet specs, funding, pros and cons.

Chivo Wallet2.8/5
VS
Gem Wallet4.6/5
Feature
Chivo WalletVisit
Gem WalletVisit
Ratings
Our score2.8/54.6/5
User ratingNo reviews yetNo reviews yet
Security3.04.5
Ease of use3.04.5
Chain support2.55.0
Features3.04.0
Privacy2.55.0
Specs
KYC requiredNot disclosed No
Wallet typeMobileMobile
CustodyCustodialSelf-custodial
ChainsBitcoinEthereum, Bitcoin, Solana, BNB Chain, Arbitrum, Base, Polygon, Avalanche, Sui, Aptos, TON, Tron, Hyperliquid, Cosmos, Other
PlatformsNot disclosediOS, Android
Open sourceNot disclosed Yes
In-app swapsNot disclosed Yes
StakingNot disclosed Yes
NFT supportNot disclosed Yes
Buy crypto in app Yes Yes
Security featuresUser-data protectionBiometric authentication, 12-word seed phrase backup, Apple Keychain integration, Google Tink encryption
Recovery without a seed phraseNot disclosed No
Built-in dApp browserNot disclosed Yes
Swap feeNot disclosed0.5%
Company
Founded—2023
Headquarters—United Arab Emirates
InvestorsLinguard LabsNot disclosed
Strengths and weaknesses
Pros
  • Native support for Bitcoin and US dollars
  • Planned microloans and cash advances based on users' income, payment and spending history
  • Fully open-source mobile application audited by CertiK in April 2026
  • Requires no account creation, email address, or identity verification
  • Supports over 100 distinct blockchains within a single interface
  • Integrated DEX aggregator compares routes across 23 swap providers
Cons
  • Custodial architecture means users do not control private keys
  • Service availability is focused primarily on Salvadoran residents and merchants
  • No desktop client or web browser extension available
  • Swaps carry a 0.5% fee in addition to standard network costs
  • No social recovery alternative for the seed phrase
Best forSalvadoran residents transacting daily, Merchants accepting Bitcoin and dollars, Users needing microloans via wallet activityMobile multichain crypto management, Privacy-focused self-custody, Direct cross-chain swaps without exchanges

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.

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