Open-source, self-custodial mobile wallet supporting over 100 blockchains and built-in cross-chain swaps
Gem Wallet is an open-source, self-custodial mobile cryptocurrency wallet developed by Wallet Labs. Users can hold, swap, stake, and buy digital assets across more than 100 blockchains. Private keys stay on the user's smartphone without requiring account registration or identity verification.
Wallet Labs was founded in 2023 and operates out of Sharjah in the United Arab Emirates. The team develops Gem Wallet as a privacy-focused mobile application and publishes its source code on GitHub.
Gem Wallet operates on a strict self-custodial architecture. Private keys remain encrypted on the mobile device using native OS security modules, specifically Apple Keychain on iOS and Google Tink on Android. Wallet creation requires no email, phone number, or KYC documentation, relying entirely on a standard 12-word seed phrase for backup and account recovery.
The app supports native assets and tokens across over 100 networks, including Bitcoin, Ethereum, Solana, BNB Chain, TRON, Base, TON, XRP Ledger, and Aptos. It features a built-in cross-chain decentralized exchange (DEX) aggregator that queries 23 routing providers, including THORChain, Mayan, and Chainflip. Users can execute direct trades between non-EVM and EVM chains. They can also stake supported assets directly in the interface and adjust network fee tiers manually or dynamically.
Downloading and holding assets in Gem Wallet incurs no platform fees. Cross-chain and in-app decentralized swaps carry an integrated platform fee of 0.5% for standard asset pairs and 0.25% for stablecoin-to-stablecoin swaps. Standard network gas fees apply to all on-chain transactions, and third-party fiat onramp processors set separate payment card processing charges.
Since its launch in 2023, the platform has surpassed 1M+ users and recorded more than $200M in swap volume through October 2026. In April 2026, blockchain security firm CertiK completed an audit of the application's codebase. In September 2026, version 2.114.54 introduced dynamic real-time network fee calculations on the XRP Ledger, followed in October 2026 by custom EVM gas configuration.
Because Gem Wallet is entirely self-custodial, losing the 12-word backup phrase permanently removes access to stored assets, with no customer support recovery mechanism available. The platform is restricted to mobile operating systems and has no desktop applications.
Gem Wallet delivers fully open-source, self-custodial multi-chain storage across over 100 networks, but lacks desktop apps and browser extensions.
Gem Wallet is an open-source, self-custodial mobile cryptocurrency wallet developed by UAE-based Wallet Labs. It operates exclusively on iOS and Android, omitting browser extensions and desktop applications. The application manages keys locally on the device using native OS security modules, relying on Apple Keychain on iOS and Google Tink on Android. Users back up their accounts with a standard 12-word seed phrase, and the application requires no registration or identity verification.
Network coverage is broad, supporting over 100 distinct blockchains. These include Bitcoin, Ethereum, Solana, BNB Chain, TRON, XRP Ledger, TON, Base, Arbitrum, Avalanche, Polygon, Sui, Cardano, Cosmos, and Starknet. A built-in decentralized aggregator routes trades across 23 swap and bridge providers, including THORChain, Mayan, Chainflip, 1inch, Jupiter, and Uniswap. As of July 2026, built-in trades incur a 0.5% swap fee on standard pairs and 0.25% on stablecoin-to-stablecoin swaps. By October 2026, the application processed over $200M in lifetime swap volume.
Fee management has received targeted attention. In September 2026, version 2.114.54 introduced dynamic fee calculations on XRP Ledger, adjusting fees according to real-time network congestion. In October 2026, version 2.114.61 added customizable base and priority gas settings for EVM networks including Ethereum, Base, and Arbitrum. Beyond trading, the app supports native staking and crypto purchases or sales through integrated fiat gateways.
The product suits mobile-first users seeking broad multi-chain support without registration. Those who require browser extensions or desktop applications for DeFi interaction will need to consider alternative options.
| KYC required ⓘ | No · unverified |
|---|---|
| Wallet type | Mobile · unverified |
| Custody | Self-custodial · unverified |
| Chains | Ethereum, Bitcoin, Solana, BNB Chain, Arbitrum, Base, Polygon, Avalanche, Sui, Aptos, TON, Tron, Hyperliquid, Cosmos, Other · unverified |
| Platforms | iOS, Android · unverified |
| Open source | Yes · unverified |
| In-app swaps | Yes · unverified |
| Staking | Yes · unverified |
| NFT support | Yes · unverified |
| Buy crypto in app | Yes · unverified |
| Security features | Biometric authentication, 12-word seed phrase backup, Apple Keychain integration, Google Tink encryption · unverified |
| Recovery without a seed phrase | No · unverified |
| Built-in dApp browser | Yes · unverified |
| Swap fee | 0.5% · unverified |
Not disclosed by the provider: Hardware wallet support, WalletConnect, Passkey login, Multisig, Perpetuals trading.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Routes trades across 23 bridge and DEX providers, including THORChain, Mayan, and Chainflip, charging 0.5% on standard pairs and 0.25% on stablecoins.
Supports tokens, native coins, and NFTs across more than 100 networks, such as Bitcoin, Ethereum, Solana, TRON, TON, and XRP Ledger.
Encrypts private keys directly on the device using Apple Keychain on iOS and Google Tink on Android, protected by a 12-word recovery phrase.
Lets users manually specify base and priority fees in Gwei across Ethereum, Base, Arbitrum, and BNB Chain.
Calculates real-time network transaction costs dynamically from current ledger load, offering Normal and Fast transaction tiers.
Facilitates direct purchases and sales using debit cards, credit cards, Apple Pay, and Google Pay across more than 170 countries.
Displays multi-chain token balances and NFT collections across 100+ supported networks, letting users receive, monitor, and send assets directly.
Provides an integrated fiat on-ramp to purchase supported tokens using credit cards, debit cards, Apple Pay, or Google Pay across more than 170 countries.
Enables decentralized app interaction and built-in cross-chain swaps across 23 aggregators, comparing trade routes from protocols like THORChain, Mayan, and Chainflip.
Allows users to delegate supported proof-of-stake cryptocurrencies directly from the mobile interface while keeping private keys on their device.
There is virtually no direct user feedback available regarding the platform's features or performance. The provided discussions consist almost entirely of unrelated automated repository updates and market news links.
Based on 21 Reddit posts and comments from the last 12 months, checked Oct 21, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
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Gem Wallet is self-custodial. Private keys remain encrypted on your mobile device using Apple Keychain on iOS or Google Tink on Android, and Wallet Labs cannot access your funds.
Yes, Gem Wallet completed an audit by CertiK on April 8, 2026. Its code is also fully open source on GitHub for public inspection.
In-app trades carry a 0.5% swap fee on standard pairs and a 0.25% fee on stablecoin-to-stablecoin swaps. The fee is included in the quoted route, with standard network gas fees paid separately.
No, Gem Wallet requires no account registration, email, or identity verification to hold or swap assets.
No, Gem Wallet operates solely as a mobile application for iOS and Android. It does not offer a browser extension or a desktop program.
Gem Wallet supports more than 100 blockchains, including Bitcoin, Ethereum, Solana, BNB Chain, TRON, XRP Ledger, Base, TON, Aptos, Sui, and Cosmos.
Recent posts from the official Telegram channel @gemwallet, shown as published. Not reviewed or endorsed by CryptoReview.
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