In today’s rapidly evolving cryptocurrency landscape, securing your digital assets outside of centralized exchanges has become more critical than ever. While exchange-hosted wallets offer convenience for trading, they expose users to risks like hacks, account freezes, and data breaches—potentially leading to irreversible fund loss. Enter Guarda Wallet, a non-custodial, multi-platform solution designed to give users full control over their crypto holdings.
This in-depth review explores Guarda’s core features, security model, supported cryptocurrencies, staking capabilities, lending services, prepaid Visa card offering, and integration with Ledger hardware wallets—all while maintaining a user-friendly experience for both beginners and seasoned crypto enthusiasts.
What Is Guarda Wallet?
Guarda Wallet is a non-custodial, multi-currency software wallet that supports over 400,000 cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Binance Coin (BNB), and countless niche tokens. As a non-custodial platform, Guarda ensures that users retain complete ownership of their private keys—meaning no third party can access or freeze your funds.
All key generation happens locally in your browser or app, and Guarda does not store any personal data or passwords on its servers. This design prioritizes user privacy and security, aligning with the fundamental principles of decentralization.
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Key Features of Guarda Wallet
Guarda goes beyond basic storage by offering an ecosystem of tools that enhance usability and functionality:
- Multi-Platform Access: Available as a web app, mobile app (iOS and Android), desktop application, and Chrome extension.
- Buy & Sell Crypto: Purchase crypto directly using fiat currencies via card or bank transfer.
- Stake Crypto: Earn passive income by staking 14+ supported assets.
- Crypto Loans: Borrow stablecoins like USDT using your crypto as collateral.
- Token Generator: Create custom ERC-20 tokens without coding knowledge.
- Prepaid Visa Card: Spend crypto globally with a Visa-powered card.
- Ledger Integration: Use your Ledger hardware wallet through Guarda’s intuitive interface.
Supported Cryptocurrencies
With support for over 400,000 digital assets, Guarda ranks among the most inclusive wallets in the market. Whether you're holding mainstream coins like BTC and ETH or lesser-known tokens like Ravencoin (RVN), Gulden (NLG), or Aryacoin (AYA), chances are Guarda supports them.
This extensive coverage makes it ideal for users managing diverse portfolios across multiple blockchains.
Security in a Decentralized World
Security is paramount in crypto—and Guarda takes it seriously. The wallet uses AES-256 encryption to protect user data and transactions. Since private keys are generated and stored locally on the user's device, there’s no central server for hackers to target.
Additionally, Guarda integrates seamlessly with Ledger Nano X and Ledger S Plus hardware wallets. This combination allows users to benefit from cold storage-level security while enjoying Guarda’s rich feature set and intuitive interface.
To connect your Ledger device, simply use a supported browser (Chrome, Firefox, or Opera) with two-factor authentication enabled.
Supported assets via Ledger integration include:
- Bitcoin (BTC)
- Ethereum (ETH)
- Binance Coin (BNB)
- Litecoin (LTC)
- Ethereum Classic (ETC)
- Callisto (CLO)
👉 Learn how combining software wallets with hardware security can protect your long-term investments.
Staking: Earn Passive Income
Guarda enables users to stake 14 different cryptocurrencies, allowing you to earn rewards by participating in network consensus mechanisms. Here are some notable staking options:
| Asset | APY | Platforms Supported |
|---|---|---|
| Ethereum | 3% | Web, Desktop, Mobile |
| Tron | 3.58% | Web, Desktop, Mobile |
| Cardano | 5% | Web, Desktop |
| Cosmos | 10% | Web, Desktop, Mobile |
| Ontology | 23.94% | Web, Desktop |
| Zilliqa | 13.74% | Web, Desktop, Mobile |
Staking is simple: select your asset, confirm the amount, and start earning. Rewards are distributed periodically based on network rules.
Crypto Loans: Unlock Liquidity Without Selling
Need cash without selling your crypto? Guarda offers crypto-backed loans with fast processing—funds typically disbursed within 15 minutes. You can borrow stablecoins like USDT or major cryptos such as BTC and ETH by locking up your holdings as collateral.
Key loan details:
- Interest Rates: 12%–17% APR
- Service Fee: Transparent 10%
- Collateral Return: Within 10–15 minutes after repayment
- Automatic Liquidation: Only triggered if collateral value drops below threshold
This service is perfect for short-term liquidity needs while maintaining exposure to potential price gains.
Create Your Own Token
Guarda’s Token Creator tool lets users launch their own ERC-20 tokens on the Ethereum blockchain in minutes—no coding required. Customize your token name, symbol, total supply, and deploy securely.
Once created, you can list your token on decentralized exchanges like Uniswap and integrate it into the broader DeFi ecosystem. A small service fee (paid in crypto and converted to ETH) applies.
Guarda Prepaid Visa Card
Spend your crypto anywhere Visa is accepted with Guarda’s prepaid crypto card, available in virtual and physical formats. Currently available in select European regions, the card comes with a €20 bonus upon activation.
Card Features & Fees
- Minimum Top-Up: €10 (EU zone)
- Card Issuance: €20 (plastic), €15 (virtual)
- Monthly Fee: €3.00
- ATM Withdrawals: €1.90 + 2.5% per transaction (daily limit: €500)
- POS Transactions: €0.20
- FX Markup: 2.5%
- Cancellation Fee: €25
Transaction limits ensure responsible spending:
- Daily purchase limit: €2,500
- Monthly purchase limit: €5,000
While fees are moderate compared to competitors, the geographic availability remains limited.
Frequently Asked Questions
Q: Is Guarda Wallet truly non-custodial?
A: Yes. Guarda never stores your private keys or personal data. You retain full control of your funds at all times.
Q: Can I use Guarda without downloading anything?
A: Absolutely. The web version allows instant access without installation. Mobile and desktop apps offer enhanced functionality.
Q: Does Guarda charge wallet usage fees?
A: No. Using the wallet is free. Fees only apply for specific actions like buying crypto (2%–5.5%), exchanging (≈0.5%), or card services.
Q: How secure is the Guarda Visa card?
A: It uses standard Visa security protocols and requires two-factor authentication. However, always monitor transactions and enable alerts.
Q: Can I stake any cryptocurrency in Guarda?
A: Only the 14 supported staking assets are eligible. Check the platform for current availability.
Q: Is customer support available?
A: Yes. Guarda offers 24/7 technical support via email and live chat for premium users.
Final Thoughts
Guarda Wallet stands out as a powerful, flexible, and secure solution for managing a vast array of cryptocurrencies. Its non-custodial model empowers users with true ownership, while features like staking, lending, token creation, and the prepaid Visa card add significant utility.
Although it inherits typical software wallet risks—such as vulnerability to malware or device loss—its robust encryption and Ledger integration mitigate many concerns. For users seeking a one-stop platform to store, grow, borrow against, and spend crypto, Guarda delivers a compelling package.
👉 Compare self-custody wallets and find the best fit for your crypto lifestyle today.