Gem Wallet vs Safe

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

VS
Safe3.9/5
Feature
Ratings
Our score4.6/53.9/5
User ratingNo reviews yetNo reviews yet
Security4.54.5
Ease of use4.53.5
Chain support5.04.0
Features4.04.5
Privacy5.02.5
Specs
KYC required No No
Wallet typeMobileMobile, Web, Smart contract wallet
CustodySelf-custodialSelf-custodial
ChainsEthereum, Bitcoin, Solana, BNB Chain, Arbitrum, Base, Polygon, Avalanche, Sui, Aptos, TON, Tron, Hyperliquid, Cosmos, OtherEthereum
PlatformsiOS, AndroidiOS, Android
Open source YesNot disclosed
Hardware wallet supportNot disclosed Yes
In-app swaps YesNot disclosed
Staking YesNot disclosed
NFT support YesNot disclosed
Buy crypto in app YesNot disclosed
Security featuresBiometric authentication, 12-word seed phrase backup, Apple Keychain integration, Google Tink encryptionMultisig, Programmable access control, Transaction simulation, Risk scanning, Transaction guards, Spending limits, Passkey module, Recovery module
Recovery without a seed phrase No Yes
Passkey loginNot disclosed Yes
MultisigNot disclosed Yes
Built-in dApp browser YesNot disclosed
Swap fee0.5%Not disclosed
Company
Founded20232018
HeadquartersUnited Arab Emirates—
InvestorsNot disclosedSignum Capital
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
  • Self-custodial smart contracts avoid a central asset custodian
  • 18+ independent smart account audits are listed
  • Supports 40+ EVM-compatible networks
  • Hardware wallets including Ledger can sign transactions
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
  • EVM-only coverage excludes Bitcoin and Solana
  • Smart contract transactions can cost more gas than regular accounts
  • Signer loss or coordination failure can block funds
  • A 2025 frontend supply-chain attack targeted a Bybit Safe
Best forMobile multichain crypto management, Privacy-focused self-custody, Direct cross-chain swaps without exchangesDAO treasury management, Company onchain accounts, Fund and protocol operations

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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