This report assumes no prior crypto knowledge. Technical terms are underlined with a dotted line — hover (desktop) or tap (mobile) for a quick definition, and there's a full glossary in the Reference tab. Every factual claim links to its source so you can verify it yourself.
Use the tabs at the top to move around: Start Here (the basics & the five types of wallet), Wallets (deep-dives on each — the ones the group commonly uses are listed first), Browser Wallets, Compare (a side-by-side table), Money In & Out (banks, the Wise trap, regions, and example money paths), and Reference (jargon glossary, the wider wallet directory, and our sources). Tap any section heading to collapse or expand it. Nothing here is financial advice.
If a term elsewhere in this report has a dotted underline, its definition is here.
Before comparing brands, it helps to know that "wallet" covers several different tools. Most people end up using two or three together — for example a custodial on-ramp to buy, a non-custodial wallet to hold, and maybe a hardware wallet for savings.
The wallets and on-ramps below. The ones commonly used in the group are listed first, purely so members can find them quickly — it is not an endorsement or ranking, and some are popular simply because the company is NZ/Australia-based. "Best for" is a neutral pointer to each one's strongest use case, not advice to buy. Tap any heading to collapse it.
Since 17 December 2025, the PIN Network is available only in New Zealand, Australia and Papua New Guinea.src Separately, from 11 May 2026 adding new Web3 Mastercards to Apple Pay is suspended (existing cards and Google Wallet are unaffected).src
"Coinbase" the exchange is custodial (they hold your keys). "Coinbase Wallet" is a separate, self-custody app where you hold your own keys.src
Members of the group have moved away from Exodus. Its security team has blocked connections to certain DeFi/Web3 platforms — flagging them "unsafe" — which stops you topping up funds to those platforms, even ones you had funded successfully before. For Aurum/Neyro users this has specifically blocked access to the Aurum/Neyro platform. Combined with Exodus being closed-source with higher in-app swap markups, the group now points people to alternatives such as TokenPocket or Unstoppable.
Anyone can inspect every line of Unstoppable's code on GitHub (MIT licence), so there are no hidden back doors or secret data collection.src
Trustyfy gives you a built-in "native" self-custody walletA wallet whose private keys you control. Trustyfy's Terms say you can export the wallet to reveal your private key, which they state they cannot access. — so it doesn't hold or control your crypto, and its Terms say it can't freeze or seize it. On top of that wallet it adds multi-currency crypto-friendly bank accountsBank accounts (with their own account numbers/IBANs) designed to work with crypto platforms; opening one requires identity verification (KYC). and a Visa debit card.src Worth confirming in your own Settings that you can export the key.
Some web browsers build a crypto wallet straight into the browser, so you don't install a separate extension. Handy — but choose carefully, because a browser wallet is only as durable as the browser maker's commitment to it.
Microsoft Edge built a wallet, then deprecated it (from Edge v129) and is removing it.src Opera's native Crypto Wallet stopped accepting assets in July 2025 and users had to migrate out by January 2026.src Opera's stablecoin-focused successor, MiniPay (now a standalone app on the Celo network), does connect to dApps (Celo "Mini Apps")src — but it is narrower than a full multi-chain Web3 wallet.src
The lesson: a browser-bundled wallet can be discontinued by its vendor at any time. If you use one, make sure you've written down your own seed phraseThe secret 12–24 words that control your crypto — they let you restore your wallet in any other app. so you can move to another wallet if it's shut down.
Wise's own help pages and Acceptable Use Policy state you cannot use Wise to send money to cryptocurrency exchanges, to crypto wallets, or to buy crypto. Wise can reject those payments and, in some cases, close the account.srcsrc
Why? Wise is a heavily regulated payment institution, and crypto flows create anti-money-laundering (AML) compliance burden. Blocking them is simpler for Wise than monitoring them — it's a policy choice, not a technical limit.
Both things can be true at once. Trustyfy gives you multi-currency bank accounts (IBAN-style) that behave like a normal bank account.src A SEPA/euro transfer to that account can look to Wise like an ordinary bank-to-bank payment — not a payment to a recognised crypto exchange — so it may go through where a transfer to an obviously-crypto recipient would be blocked.
Important honesty caveat: we could not find an official source confirming that "EUR works but GBP doesn't," and sending to a crypto-linked destination still falls under Wise's prohibited uses regardless of currency. So: members reporting success with EUR → Trustyfy is plausible and consistent with how IBANs work, but it is not officially supported, not guaranteed, and could be blocked or trigger an account review at any time. Treat any Wise→crypto route as "works until it doesn't," and never route money you can't afford to have frozen.
Use a real bank, not Wise, for the crypto leg. A high-street bank → a regulated exchange (e.g. Coinbase) or → a crypto-friendly account is generally more robust than routing through Wise, because those banks/exchanges expect crypto activity and are set up for it.
Keep Wise to what it's best at: pure currency exchange between your own bank accounts (e.g. GBP → NZD into your NZ bank). Once the money is sitting in a normal bank account, use a local on-ramp from there. This keeps Wise entirely out of the crypto world and protects the account.
Where you live changes which on-ramp is easiest. This is a practical starting point, not a complete list.
Coinbase holds an EU MiCAThe EU's crypto regulation (in force 2025) that lets a licensed firm operate across all 27 member states. licence (2025) and operates across all 27 EU states with SEPAStandard euro bank-transfer network across Europe. euro deposits — SEPA deposits are free on Coinbase; the ~€0.15 fee applies to SEPA withdrawals, not deposits.srcsrc Because it's a large, licensed exchange, EU banks generally tolerate transfers to it. Trustyfy's euro accounts are the other route the team already uses (with the Wise caveat above).
Coinbase UK accepts free GBP deposits via Faster PaymentsThe UK's instant bank-transfer system for pounds..src (Note: Coinbase UK temporarily suspended Faster Payments support in 2025 — check the current option, which may be an Open Banking transfer instead.)src Funding from a normal UK bank (e.g. a high-street current account) into a regulated exchange is generally cleaner than going through Wise. Buy a stablecoin like USDC there, then withdraw to your own wallet.
Pay It Now and Easy Crypto are the common NZD on/off-ramps, funded by ordinary NZD bank transfer. They mostly work fine, but some banks add friction (Section 6). NZ is also tightening AML rules — under reforms announced July 2025, crypto ATMs are proposed to be banned (announced, not yet enacted) and international cash transfers are to be capped at NZ$5,000 (this targets physical cash, aimed at funds leaving NZ — ordinary electronic bank transfers are a separate category).srcsrc
Pay It Now also operates in Australia with local AUD banking. Several major Australian banks have, in recent years, introduced limits or holds on payments to crypto exchanges — we did not verify each AU bank's current policy for this edition, so check directly with your bank. For other countries, the same principle holds: prefer a locally-regulated exchange funded from a normal bank account, and keep money-transfer services like Wise out of the crypto leg.
For Kiwi readers: NZ's big banks are cautious about crypto and treat it as high-risk. They rarely block a personal customer simply buying crypto, but they can delay, query, scam-warn, or in some cases refuse transfers — and they've de-banked crypto businesses outright (Easy Crypto has publicly complained; the exchange Dasset lost its banking).src
Westpac NZ — most risk-averse: considers the digital-currency exchange industry high-risk and "would not routinely provide its participants with banking services."src
ANZ — risk-averse but permits personal customers to buy crypto using ANZ facilities, as long as there's no commercial/on-behalf-of-others interest.src
BNZ — doesn't outright prohibit crypto businesses but categorises them high-risk with a higher onboarding bar.src
ASB — case-by-case; frames its caution as keeping customers safe under AML/sanctions rules.src
Kiwibank — the most open of the big five; case-by-case with AML/CFT compliance evidence required.src
These on-record bank statements are the clearest available, but they were given to RNZ in 2023 and bank policies change. Treat them as direction-of-travel, not a guarantee — confirm your own bank's current position before moving larger sums. In practice, most everyday PIN/Easy Crypto purchases from a personal NZ account go through; problems are most common with larger amounts, business accounts, or repeated exchange transfers.
Wallets are listed down the side; features across the top. On a phone the wallet column stays put while you scroll the features sideways. The Web3 / dApps column shows whether a wallet can connect to decentralised apps — needed for DeFi platforms and trading bots. For Aurum/Neyro users that's the key column for Neyro compatibility.
| Wallet | Type | Hold keys? | Open source | Multi-chain | Web3 / dApps | Fiat on-ramp | Fiat acct / card | No KYC | USDC | Swap fee | Up-front | Best for |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Unstoppable | Hot wallet | Yes | Yes | Many | Yes | No | No | Yes | Yes | Varies | Free | Privacy |
| TokenPocket | Hot wallet | Yes | Partial | 100+ | Yes | 3rd-party | No | Yes | Yes | Service fee | Free | Multi-chain Web3 |
| MetaMask | Hot wallet | Yes | Partial | EVM only | Yes | No | No | Yes | Yes | 0.875% | Free | ETH DeFi |
| Trustyfy | Fiat bridge | Yes | No | Via wallet | Limited | Built-in | Accounts + Visa | Fiat only | Yes | — | $15 / $60yr | Spend + banking |
| Pay It Now (PIN) | Custodial on-ramp | No | No | In-app only | No | NZD/AUD native | Virtual card | No | Yes | ~1–2% spread | Free | NZ/AU on/off-ramp |
| Trust Wallet | Hot wallet | Yes | Yes | 100+ | Yes | 3rd-party | No | Yes | Yes | Rate markup | Free | Many coins, simple |
| Phantom | Hot wallet | Yes | No | Many | Yes | 3rd-party | No | Yes | Yes | Service fee | Free | Solana / UX |
| Coinbase Wallet | Hot wallet | Yes | Partial | EVM + Sol | Yes | Via Coinbase | No | Yes | Yes | DEX spread | Free | Coinbase users |
| Exodus ⚠️ | Hot wallet | Yes | No | 300+ assets | Some sites blocked (reported) | 3rd-party | No | Yes | Yes | ~1–4% | Free | Not group-rec. |
| Brave Wallet | Hot (browser) | Yes | Yes | 60+ | Yes | 3rd-party | No | Yes | Yes | Aggregator | Free | Browser + wallet |
| Ledger | Hardware | Yes | Firmware no | Broad | Via wallet | No | No | Yes | Yes | — | $79+ | Cold storage |
| Trezor | Hardware | Yes | Yes | 9,000+ | Via wallet | No | No | Yes | Yes | — | $79+ | Cold + open source |
There's no single "best wallet" — it depends on the job. Most people combine a few. Pick based on your situation; none of this is financial advice.
Generic flows showing what tends to work and what to avoid. Adapt to your own bank and country.
A visual, step-by-step guide to funding routes, contributed by a community member and shown here as its own self-contained guide. It overlaps a little with the Money In & Out tab — that is fine; this version goes into more detail. (Tap the heading to collapse it.)
USDC and the BNB Smart Chain (BEP20): the guide's "Supported Assets & Networks" lists USDC on BNB Smart Chain. Circle (USDC's issuer) does not issue native USDC on BNB Smart Chain — USDC there is a bridged/wrapped version and is not interchangeable with native USDC.src Native USDC is supported on Ethereum (ERC20) and Polygon PoS. Combined with the guide's own golden rule — the asset and network must match on both ends — only send USDC on a network the receiving side explicitly supports, or use USDT (which is native on BNB Smart Chain). When unsure, do a small test transfer first.
"Trustyfy MT (Malta) account" (Route 2): we could not verify a specific Malta-based Trustyfy account from any official Trustyfy source. Treat it as an ordinary Trustyfy EUR (IBAN) account unless the author can confirm otherwise.
No wallet-review site is completely unbiased — most earn affiliate commissions when you sign up to a wallet. We cross-reference several and prefer verifiable facts (open-source status, security audits, official docs) over any single site's rankings. The sources we lean on, with their bias noted:
New to crypto and only heard of two or three wallets? This directory will list the broader universe of known wallets (hot and cold) so you can see what's out there without trawling the web — each with its type, security rating and a link to a full review. The full sortable directory (76+ wallets, including ones missing from common lists such as Unstoppable, Trustyfy, Pay It Now and TokenPocket) is being added in the next update.
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