Gem Wallet vs OWNR Wallet

Gem Wallet4.6/5

VS

OWNR Wallet3.2/5

Feature	Gem WalletVisit	OWNR WalletVisit
Ratings
Our score	4.6/5	3.2/5
User rating	No reviews yet	No reviews yet
Security	4.5	3.5
Ease of use	4.5	3.5
Chain support	5.0	2.5
Features	4.0	3.5
Privacy	5.0	3.0
Specs
KYC required	No	No
Wallet type	Mobile	Mobile, Desktop
Custody	Self-custodial	Self-custodial
Chains	Ethereum, Bitcoin, Solana, BNB Chain, Arbitrum, Base, Polygon, Avalanche, Sui, Aptos, TON, Tron, Hyperliquid, Cosmos, Other	Bitcoin, Ethereum, Tron, Other
Platforms	iOS, Android	iOS, Android, Windows, macOS, Linux
Open source	Yes	Not disclosed
In-app swaps	Yes	Yes
Staking	Yes	Not disclosed
NFT support	Yes	Not disclosed
Buy crypto in app	Yes	Yes
Security features	Biometric authentication, 12-word seed phrase backup, Apple Keychain integration, Google Tink encryption	PIN protection, Biometric authentication, Seed phrase backup
Recovery without a seed phrase	No	No
Passkey login	Not disclosed	No
Built-in dApp browser	Yes	Not disclosed
Swap fee	0.5%	Not disclosed
Perpetuals trading	Not disclosed	No
Company
Founded	2023	2025
Headquarters	United Arab Emirates	Estonia
Investors	Not disclosed	Not disclosed
Strengths and weaknesses
Pros	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	Non-custodial architecture keeps private keys and seed phrases under user control Supports SegWit addresses for lower transaction fees on Bitcoin transfers Available natively across desktop operating systems and mobile devices Integrated card off-ramping allows direct sales back to payment cards
Cons	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	Card purchase fees are relatively high at 4% plus 3 USD Client software code is closed-source Does not support hardware wallet connections like Ledger or Trezor Card purchases and off-ramps require identity verification
Best for	Mobile multichain crypto management, Privacy-focused self-custody, Direct cross-chain swaps without exchanges	Desktop and mobile multi-asset management, Buying crypto directly with bank cards, Users needing 24-word seed recovery options

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