Guarda

Guarda is a non-custodial, multi-platform cryptocurrency wallet that has been supporting self-custody across dozens of blockchains since 2017, offering a unified interface for storing, buying, swapping, staking, and lending digital assets without ever holding users' private keys.

What Guarda Is

Guarda positions itself as an all-in-one crypto management platform designed for users who want full control over their assets across many different chains. The product is available as a web wallet, desktop application (Windows, macOS, Linux), mobile app (iOS, Android, and Huawei AppGallery), and Chrome browser extension — giving users a consistent experience across environments.

The wallet does not require an account or personal data to get started. Private keys are generated locally and remain on the user's device, encrypted with a password. Guarda's servers never see or store private key material, which means access to funds depends entirely on the user keeping their backup file and password safe.

Core Mechanism and Security Model

The non-custodial design is Guarda's primary security guarantee. When a user creates a wallet, a backup file is generated that contains the encrypted private key. This file and the password are the two pieces required to restore access. Guarda recommends storing backups in multiple locations and explicitly warns that neither the company nor its support team can recover lost credentials.

Guarda has operated since 2017 without a documented platform-level security breach — a notable track record in a segment where peers including Atomic Wallet (2023) and Slope Wallet (2022) suffered significant exploits. However, Guarda's codebase is not fully open source, and no independent third-party security audit (such as a CertiK or Halborn review) has been made publicly available as of mid-2026, which is a meaningful transparency gap compared to fully audited wallets.

The wallet integrates with Ledger hardware wallets (Nano X and Nano S Plus), allowing users to sign transactions via their hardware device directly from the Guarda interface without private keys ever touching the application software layer.

Key Features

Multi-chain asset management: Guarda supports over 1 million tokens across more than 70 major blockchain networks, including Bitcoin, Ethereum, Solana, Cardano, Tron, Polkadot, Cosmos, Dogecoin, and many others. Privacy-chain assets including Monero (XMR) and Zcash (ZEC) are supported — a distinction that sets Guarda apart from wallets that have dropped privacy coins under compliance pressure.

Built-in exchange: Users can swap between any supported assets inside the wallet without connecting to an external DEX or CEX. Guarda routes these through third-party liquidity providers and charges approximately 0.5% on swap volume.

Fiat on-ramps: Users can buy crypto directly within the wallet via Visa, Mastercard, Apple Pay, Google Pay, and bank transfer. Card-funded purchases carry a fee of roughly 4.5–5.5%.

Staking: Guarda supports staking on over a dozen Proof-of-Stake networks, including Ethereum, Cardano, Cosmos, and Tron. For ETH staking, Guarda takes a 10% cut of rewards earned; rates vary by network.

Crypto loans: Users can borrow stablecoins and other digital assets against held collateral, providing liquidity without triggering a taxable sale.

NFT wallet and portfolio tracker: The application includes NFT management and portfolio-level tracking across supported chains.

Additional DeFi access: The Chrome extension integrates with Web3 dApps and includes access to perpetuals trading via Aster and prediction markets via Polymarket.

Token creation: Guarda includes a built-in ERC-20 token creator for deploying custom contracts without writing Solidity.

Solana Support

Guarda offers a dedicated Solana wallet accessible across all its platforms. SOL can be stored, sent, received, bought with fiat, and swapped for any of the wallet's 1M+ supported assets directly within the interface. The Chrome extension allows users to connect their Guarda SOL wallet to Solana-compatible dApps.

SPL tokens — the standard fungible token format on Solana — are supported, meaning users can hold and manage Solana ecosystem assets beyond native SOL. Guarda's exchange routing allows instant swapping of SOL into Bitcoin, Ethereum, stablecoins, or any other supported asset.

Native SOL staking through Guarda's built-in staking module is not explicitly documented in Guarda's current product materials, in contrast to their clearly listed ETH, Cardano, and Cosmos staking offers. Users who want to stake SOL via Guarda should verify current availability through Guarda's support documentation or in-wallet staking tab before committing funds.

History and Scale

Guarda launched in 2017 and has grown to more than 1 million active users. The company has continued shipping updates through 2026, including expanding the number of supported assets past 1 million (up from roughly 400,000 in 2024). The product has remained consistently available without significant service interruptions over its nine-year history.

The wallet does not disclose its team or company structure prominently in its public-facing materials. This is common for non-custodial software wallets, where the security model is designed so that team identity is less relevant — users' funds are secured by private keys they control, not by trust in the operator.

Fee Summary

• Holding and on-chain sending: no Guarda fees (only underlying network fees apply)
• Swaps: approximately 0.5% of swap value
• Card-funded crypto purchases: 4.5–5.5%
• ETH staking: 10% of rewards
• Ledger hardware wallet: no integration surcharge

For users who primarily want self-custodied asset management across many chains and occasional swaps, Guarda's core functionality is low-cost. Active stakers or frequent fiat purchasers should factor in the higher fees in those categories.