THE:如何挑選數字貨幣錢包？

無論是想交易賺個差價，還是看好數字貨幣的長期價值，都一定要有數字貨幣錢包。全球知名的數字貨幣錢包有71個*。所以，選一個合適的數字貨幣錢包比較困難，如果你是個萌新就會難上加難。

這篇文章重點要講4件事：什么是數字貨幣錢包，工作原理，挑選原則，頂級的幾款錢包介紹。

1.什么是數字貨幣錢包

首先糾正一個誤區：數字貨幣錢包并不是傳統意義的錢包，加密貨幣是去中心化的，所以數字貨幣錢包里面并不存錢，錢包只存儲公鑰和私鑰。

2.那么數字貨幣錢包是如何工作的呢？

私鑰是一個隨機生成的字符串，通過使用私鑰我們可以進行轉賬。私鑰丟了，意味著錢沒了。

公鑰是根據私鑰加密生成的字符串，公鑰是對外公開的，別人可以往這個地址里轉幣了。

映射到傳統金融體系：公鑰就是銀行卡號，私鑰就是密碼。

3.數字貨幣錢包類型

按照錢包場景，錢包可以分為5個類型：電腦錢包、移動端錢包、云端錢包、硬件錢包、紙錢包

電腦錢包：電腦里下載一個錢包，相對比較安全，但是現在啥電腦都會聯網，只要聯網就可能被黑，只能說相對比較安全。

移動端錢包：移動端錢包就是電腦錢包的翻版，只不過就是運營在手機上而已，現在移動網民用戶量已經超過35億**，所以這個普及度更高。這類錢包通常把私鑰存儲在手機上，但是大多數平臺都不那么可靠，所以這個也并不是十分安全。

在線錢包：在線私鑰存在云端，只要聯網，就能用這個錢包。在云端的感覺，總有種被窺視的感覺，也會帶給你不安全感覺。

硬件錢包：硬件錢包就是把錢包存在硬件里，類似于小U盤之類的。這類錢包的缺點是：硬件得花錢買。如果你是價值投資者，相信長期的力量，不會在短期內進行交易。那么你可以用硬件錢包，硬件錢包。

紙錢包：就是通過各種物理手段，比如用一張紙記下來，或者轉移成一個二維碼存起來，容易丟，輸入也不方便。

4.你需要什么樣的錢包？

安全和體驗不能同時獲得，要根據自己的實際情況選錢包，需要問自己幾個問題：

我是不是天天看錢包，每天都轉賬；我要在錢包里存多少種數字貨幣；愿不愿意花錢買錢包，愿意花多少錢；安全是否是最最最最重要的；是否愿意為了安全犧牲一些體驗？

錢包費用：除了硬件錢包，其他錢包一般都是免費的。

安全性：硬件錢包是最安全的，需要多做點功課，比如看看這個錢包公司的經營時間，還有是否值得信賴。

用戶友好：移動端錢包、電腦錢包用戶友好，操作方便。

便捷性：全球約有3000多種數字貨幣。如果你打算持有多種數字貨幣，最好選個硬件錢包，因為硬件錢包支持的幣種多，比如LedgerNanoS以及Trezor，支持超過700個幣種。

5.全球Top數字貨幣加密錢包

根據前面介紹的錢包方向，接下來我會介紹每個方向的頭部錢包。

Coinbase：最好的在線錢包

Coinbase

Coinbase是貨幣交易所，所以他們提供錢包服務也是順理成章的。FDIC***為Coinbase的每個賬戶投保了25萬美金的保額。我們可以通過瀏覽器、IOS、安卓使用他的錢包服務。

BlockChain：最好的在線錢包

Blockchain

基本功能與Coinnbase一樣。

LedgerNanoS：最好的硬件錢包

LedgerNanoS

支持超過700種幣，長得有點像個U盤。

TrezorOne：最好的硬件錢包

TrezorOne

EOS Network Foundation：Antelope Leap 5.0升級預計將于2023年11月至12月進行:金色財經報道，支持 EOS 區塊鏈及其 dApp 生態系統技術進步和營銷的非營利組織EOS Network Foundation (ENF)表示，Antelope Leap 5.0升級預計將于2023年11月至2023年12月進行，此次升級將引入一系列技術改進，以實現更快的同步、改進的點對點交互以及為所有基于EOS和Antelope的區塊鏈用戶提供更好的安全性。據悉，為了實現交易的即時終結和快速區塊驗證，ENF 添加了與HotStuff兼容的聚合BLS簽名，所有改進優化也會影響新推出的EOS EVM生態系統和 Antelope Trustless IBC，每個基于Antelope的區塊鏈都將擁有原生零知識證明智能合約。（U.today）[2023/7/26 15:58:50]

這個錢包設計的挺時尚的，也支持超過700個幣種。

Copay：最好的移動端錢包

Copay

這個錢包信譽挺好。

Electrum：最好的電腦錢包

Electrum

只支持比特幣。

Exodus：最好的電腦錢包

Exodus

界面很好看，安全性做的也不錯，主流幣種全部支持，比如：Bitcoin,BitcoinCash,Ethereum,EthereumClassic,Litecoin,Dash,Zcash,0x,EOS,Storj等。

其他電子錢包

以上介紹的都是主流電子錢包，沒能把所有的電子錢包全部介紹一遍，

以下是G2全球的評分，有興趣的朋友可以自己去看看

G2

6、最后的思考

希望自己寫的東西能幫到別人吧。

*數據來源：G2，全球著名的B2B針對企業用戶的軟件評測平臺，在同類網站中影響力最大、權威性最高，被稱為商用軟件領域的“大眾點評”。

**數據來源：Newzoo，全球游戲和電競行業數據分析及市場情報的行業領導者。

***FDIC：美國聯邦存款保險公司

如果想探討更多關于數字貨幣的信息，歡迎加微信：bityue，或者關注微信公眾號：區塊見聞。

EnglishVersion

Whetheryou’replanningtostarttradingorsimplyholdingcryptocoinsforfutureinvestments,acryptocurrencywalletisamust-have.So,consideringyourgoal,youneedtoknowhowtochoosetherightcryptowallet.

Inthisindustry,walletsareanessentialpartofowningandinvestingincryptocurrencies,regardlessoftheirtype.

Butsincetherearesomanygoodoptionsin2020,choosingtherightwalletcanturnintoaburden.Especiallyifyou’renewinthecryptoworld.

Thisarticlewillguideyoutowardlearningallthereistoknowaboutwallets–whattheyare,howtheywork,whattoconsiderwhenchoosingone,andwhatarethebestcryptowalletstoget.

EBA草案規定擁有銀行資產儲備的歐盟穩定幣發行方將受到額外監管:金色財經報道，根據歐洲銀行管理局（EBA）周一發布的規則草案，如果歐洲穩定幣發行方的儲備中有大量衍生品或擔保債券，那么他們將面臨額外的規則。被稱為加密資產市場監管（MiCA）的新法律意味著任何被認為與金融系統過度關聯的穩定幣都面臨額外的資本要求和歐盟的集中監管。

草案表示，鑒于發行方運營的合同義務網絡，ART（資產參考代幣）或 EMT（電子貨幣代幣）發行方的財務困境可能會大大增加其他加密資產發行方或其他金融機構陷入困境的可能性。該文件指的是MiCA中規定的兩類穩定幣，其價值與法定貨幣或其他資產掛鉤。該草案補充稱，為了解決重大ART 或EMT帶來的風險增加，這些代幣的發行方必須遵守額外的義務，其監管部分或全部交給EBA。

該草案將在未來幾周內征求行業意見。[2023/7/25 15:56:07]

1.Whatarecryptowalletsallabout？

Rightoffthebat,weneedtotalkaboutoneofthemostcommonmisconceptions?aboutcryptocurrencywallets.

Eventhoughcryptowalletsaresimilartotraditionalwallets,theydon’tactuallystoreyourcryptocurrency.

Asyoualreadyknow,cryptocurrenciesaredecentralized.Meaningthattheyaren’tstoredinasinglelocation,butinsteadarerecordedintheformoftransactionsandstoredontheblockchain.

Hence,cryptowalletsaresoftwareprogramsthatstoreyourpublicandprivatekeys.

Tosimplyputit,theyarelikebankaccounts.Theyallowyoutotrackyourbalanceandmaketransactions,allfromoneplace.

No“real”coinsareactuallyeverexchanged.

2.Buthowdothesekeyswork?

Aprivatekeyisarandomlygeneratedstringofnumbersandletters.Yourprivatekeyallowsyoutosendcryptocurrencytosomeoneelse.Withoutit,youcan’tapprovetransactions.Soit’scrucialtokeepitassafeaspossible.

Losingyourprivatekeymeanslosingyourcoins.

Thepublickeyisakeythatotherscansee.It’sderivedfromtheprivatekeythroughahash.Thepublickeyisyourwalletaddress,andit’susedbyotherstosendcryptocurrenciestoyourwallet.

Thinkofitlikethis:yourpublickeyisyourbankaccount,andyourprivatekeyisyoursecuritycode.It’sfineforpeopletoknowyourpublickey,butnotyourprivateone.

Here’sapracticalexample.

Whenapersonsendsyoucryptocoins,theyaresigningoffownershipofthosecoinstoyourwallet’saddress.

去中心化交易所Trader Joe將推出升級版交易引擎:金色財經報道，去中心化加密貨幣交易所 (DEX) Trader Joe營銷負責人Blue周五表示，最快將于下周推出升級版交易引擎Liquidity Book V2.1，該版本將使存款人更有效地向Trader Joe的流動性池中添加代幣，并改善鏈上交易體驗。Trader Joe已在Arbitrum、BNB Chain和Avalanche上部署，升級還將引入“自動池”，自動管理存款人在流動性池中的活躍頭寸，以降低風險。[2023/4/1 13:38:35]

Buttospendthosecoins,theprivatekeystoredinyourwalletmustmatchthepublicaddresstheyareassignedto.Ifthepublicandprivatekeysmatch,thebalanceofthewalletwillincrease,whilethesenderswilldecreaseaccordingly.

3.Typesofcryptowallets

Cryptowalletscanbebrokendownintofivecategories:

Desktop

Online

Mobile

Hardware

Paper(ChecktheRipplePaperWalletexample)

Desktopwallets

Youcandownloadandinstalldesktopwalletsonyourcomputerregardlessoftheoperatingsystemyourun.Theyarearelativelysafemethodofstoragesincetheycanonlybeaccessedthroughyourcomputer.

However,likemostthingsnowadays,ourPCsareconstantlyconnectedtotheInternet.Soneverassumethatyourkeyscan’tgetstolen.

Onlinewallets

Onlinewallets“run”onthecloud,whichmakesthemveryconvenientasyoucanaccessthemfromvirtuallyanywhereintheworld.Aslongasyou’reconnectedtotheInternet,thatis.

However,theonlinestorageofthekeysalsoposesathreat.Yourkeysarenotfullyinyourcontrol,andbycentralizingnumerouskeysyoumakethemmorevulnerabletoattacks.?

It’sworthmentioningthatonlinewalletsareusuallyusedbycryptoexchanges.

Mobilewallets

Mobilewalletsaretheequivalentofdesktopwallets,andtheyaredesignedtorunonyoursmartphone.

Sincemobilephonesaresuchabigpartofourdailylives,it’snowonderthatmobilewalletsareamongthemostconvenienttypesofcryptowallets.Theyarealsonotoriouslyuser-friendlyaswellasquitestylish.

Paradigm宣布資助Tom Meagher和Jake Moxey全職開發wagmi:11月29日消息，Paradigm宣布將資助Tom Meagher和Jake Moxey全職開發Web3前端開發庫wagmi。Paradigm的愿景是建立開源庫來加速Web3前端開發，幫助用戶使用任何前端框架（例如React、Vue等）構建基于任何區塊鏈的應用程序。

據悉，Tom Meagher于2021年11月開始構建wagmi，Jake Moxey于2022年1月開始為wagmi做出貢獻，并且一直是架構發展的關鍵人物。[2022/11/29 21:09:08]

Anotherupsideisthatyourkeysareusuallystoredlocallyonyoursmartphone.Butconsideringthedoubtfulsecurityofmostplatforms,mobilewalletstendtosufferfromvarioussecurityshortcomings.

SIDENOTE.Certainmobilewalletsalsostoretheirkeysinacloud,asasafetyprecaution.Makesuretothoroughlyresearchhowawalletworksbeforedecidingwhichtouse.

Hardwarewallets

Ifyou’reseriousaboutstoringyourcryptocurrenciesforthelong-run,thenasfarassecuritygoes,ahardwarewalletisyourbestoption.?

Unlikesoftwarewallets,hardwarewalletsstoreyourkeysonahardwaredevice.Mostofthemaredesignedtobesafeevenwhenconnectingthemtoinfectedcomputers.

Theonlymajordrawbackofhardwarewalletsistheirprice.?Butweallknowthatgoodthingsdon’tcomecheap.

Paperwallets

Asthenamesuggests,paperwalletsallowyoutostoreyourprivateandpublickeysonprint,usuallyviaQRcodes.

Butitdoesn’thavetobeonlypaper.Youcanalsoprintthemonplastic,similartoacreditcard.

Asstrangeasitmightsound,it’sactuallyaverysafe?solutiontostoreyourprivatekeys.Inordertospendmoneyfromyourpaperwallet,youneedtofirsttransferittoasoftwarewallet.Thisprocessisknownas“sweeping”.

Asyoucantell,themaindrawbackisthefactthataprintedwalletcaneasilygetlostorstolen.

4.Whattypeofwalletdoyouneed?

Ofcourse,choosingthebestcryptocurrencywalletisamatterofpreference.Butselectingitshouldinvolveasetofpragmaticandpracticalreasons.Beforeanything,it’simportanttoaskyourself:

Immunefi：今年第一季度DeFi黑客攻擊總額超12億美元:金色財經報道，根據DeFi漏洞賞金平臺Immunefi的數據，與去年第一季度相比，針對去中心化金融協議的黑客攻擊增加了近八倍。僅在今年第一季度，就有超過12.2億美元被確定為被盜或因新興協議而被盜用。Immunefi季度加密貨幣損失報告的研究顯示，與2021年同期約1.546億美元的被盜資金相比，這增加了7.9倍。根據咨詢公司Cyber??securityVentures的數據，到2022年，整個網絡犯罪將給全世界造成約6.9萬億美元的損失。因此，即使DeFi在年底前凈利用35億美元，也將占全球網絡犯罪總量的0.05%。（blockworks）[2022/7/14 2:13:37]

DoIneeddaily,quickaccesstothiswallet?

HowmanycurrencieswillIhold?

Whatarethecosts?

Issecurityimportanttome?

AmIwillingtotradesecurityforconvenience?

Costs

Mostcryptocurrencywalletsareusuallyfree,butsome,likehardwarewallets,requireasmallinvestment.

Ifyouplantoholdontoyourcoinsforlongerperiodsoftime(orifyou’reholdinglargeamountsofcryptocurrency),werecommend?investinginahardwarewallet.

Security

Keepingyourfundssecureisextremelyimportantandshouldbeatthetopofyourprioritylistwhenchoosingawallet.

It’simportanttocarryoutplentyofresearchaboutthewallet’ssecurityfeatures.Ifyouwanttomakesurethatyou’vedoneeverythingpossibletowardsensuringthesecurityofyourfunds,thenoptforahardwarewallet.

Mobility

Whenitcomestomobilityandconvenience,onlineandwebwalletsareyourbestfriend.Youcanaccessthemfromanywhere,regardlessofthedeviceyou’reusing.

User-friendliness

User-friendlinessisoneofthemostcriticalaspectsofanytypeofcryptowallet.Itcanmeanthedifferencebetweenenjoyingusingthewalletandgettingfrustratedwithit.

Generally,mobileanddesktopwalletsareveryuser-friendly,andtheydon’tneedmuchworktosetthemupproperly.

Convenience(multi-currency)

Ifyou’replanningtoholdmorethanonecryptocurrency,thenpickingawalletwithmulti-currencysupportisamust.Usually,it’srecommendedtopickarenownedwallet,withmanyreviewsandgoodsupport.

Butifyou’replanningtousethewalletforjustonecryptocoin,youshouldcheckoutthecoin’swebsitetoseeiftheyhaveadedicatedwallet.

Werecommendedhardwarewalletsafewtimesinthisarticle,andoneoftheirmainadvantagesistheirnumberof?supportedcryptocurrencies.

Forexample,twoofthebest-sellinghardwarewallets(LedgerNanoSandTrezor)boastsupportforover700coinsandtokens.

5.Topcryptocurrencywallets

Tomakeiteasierforyouwhenitcomestochoosingtheperfectwallet,wewilltakealookatsomeofthebestwalletsfromeachcategory.

Thebestonlinewallets

Coinbase

Coinbase

Coinbaseisacryptoexchangeservice,sothemcreatingtheirownwalletmakesperfectsense.Theirwalletisoneofthemostpopularonlinewalletsandit’soneofthebestpossibleoptionsforpeoplethatarestartingoutinthecryptoworld.

TheCoinbaseWalletiscoveredbytheFDICinsuranceforupto$250,000ofyourfiat.YoucanaccessitviaanymodernwebbrowserorthroughtheofficialiOSandAndroidapps.Atthesametime,itallowsyoutousea2-FactorAuthenticationsystemoruseGoogleAuthenticatorformoreprotection.

Blockchain

Blockchain

Ifyou’renotafanofCoinbase,theBlockchainWalletisaperfectalternative.

JustlikeinthecaseofCoinbase,Blockchain.infoisaccessibleviaanymodernwebbrowserorthroughitsofficialmobileapplications.

Italsousesa2FAsystem,anditprovidesyouwiththepossibilityofsecuringyourfundsusingafour-digitpassword.

Thebesthardwarewallets

LedgerNanoS

LedgerNanoS

TheLedgerNanoSisoneofthemostsuccessfulhardwarewalletscurrentlyonthemarket,andithasalotgoingforit.

Forstarters,itcomeswithsupportforover700coinsandtokens,andenoughsecurityfeaturestokeepeventhemostsecurity-savvyusershappy.

Ithasasimpledesign(verysimilartoatypicalUSBstick)withtheadditionofasmallLCDscreenandtwophysicalbuttonsfortransactionverificationandconfirmationpurposes.

TrezorOne

TrezorOne

IncaseyoufindLedgerNanoStobeabittooconservativeaboutitsdesign,youcancheckoutTrezorOne,itsdirectcompetitor.

JustlikeLedgerNanoS,thiswalletalsocomeswithsupportforover700coinsandtokens,andlotsofsecurityfeatures.

Thebestmobilewallets

Copay

Copay

CopayisahighlyreputablemobilecryptowalletbackedbyoneoftheleadingBitcoinpaymentfirms.

It’savailableforbothAndroid?andiOS,butitalsocomesintheformofwebanddesktopapps(availableforWindows,macOS,andLinux).

ItsupportsBitcoinandBitcoinCashandisfreetouse.

Intermsofsecurity,Copayisverywellrated.It’soneofthefirstBitcoinwalletstosupportthefullBitcoinPaymentprotocol.Anotherbigadvantageofthewalletisthefactthatit’sveryeasytouse,makingitperfectforbeginners.

Thebestdesktopwallets

Electrum

Electrum

Electrumisalightweightandveryfastdesktop(andmobile)cryptocurrencywallet.Itispopularforitsvarietyoffeatureswhichmakeitoneofthemostflexiblechoicesoutthere.

Itprovidescoldstoragesolutions,aswellasintegrationwithsomeofthebesthardwarewallets:LedgerNanoS,KeepKey,andTrezor.

TheElectrumwalletalsofeaturesintegrationwithTor,andithastop-notchencryptiontechnologiesbuiltwithin,whichmeansit’sverysecureanditprotectsyouranonymity.

However,theElectrumwalletonlysupportsBitcoin.Soifyou’replanningtouseanyothercryptocurrencies,youmightwanttolookforadifferentwallet.

Exodus

Exodus

Ifuser-friendliness,aswellassecurityandconvenience,arewhatyou’reafter,thenExodusisdefinitelyagoodchoice.

It’soneofthebest-lookingcryptocurrencywallets,withamodernandstylishinterfaceandenoughpracticaleyecandytohelpyoucontrolallyourcryptofunds.

Itsupportsawiderangeofcryptocurrencies,includingsomeofthemostpopularsuchasBitcoin,BitcoinCash,Ethereum,EthereumClassic,Litecoin,Dash,Zcash,0x,EOS,Storj,andmore.

Otherwalletsworthmentioning

Whiletheabovementionedwalletsaremarketleaders,itwouldbeashamenottotalkaboutupcomingplayers.

Guarda,forexample,isanall-in-onewalletthataimstoprovideitsuserswithaccessibilityandflexibility.Thewalletisavailableinawebversion,asaChromeextension,asamobileappandasadesktopapp.

Currently,itsupportscloseto50coins,includingBitcoin,Dash,EOS,Ethereum,Litecoin,Ripple,andmore.

Finalthoughts

Choosingacryptowalletisnotasimpledecisionandyoushouldnottreatitlightly.Butitwillallowyoutosafelystoreandeventuallyspendyourcryptocoins.

Prepareforalotofreadingandsomeexperimentation,asyoumaynotfindyourperfectmatchonthefirsttry.

Bethatasitmay,wehopethisguidehelpedyouandofferedallthenecessaryguidanceandbasicunderstanding.

Ifyouwanttotalkmoreabout?Cryptocurrencies,pleasefellfreetoaddmyWechat:bityue，or?followOfficialAccounts：BlockSense

來源：金色財經

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