The Across Protocol (ACX) wallet built for spending, not just holding
ACX · Ethereum networkLooking for a Across Protocol wallet or a ACX wallet app that does more than just hold? Zypto App is a non-custodial multichain DeFi wallet where you can hold ACX, swap into 24,000+ assets across 20+ chains, connect to dApps and put your crypto to work in the real world. All from one app, your keys on your device.
Across Protocol runs on the Ethereum network, which isn't integrated in the Zypto App yet. Request Ethereum on X and we'll prioritize adding it so you can hold and swap Across Protocol.
Request Ethereum in Zypto App
Across Protocol (ACX) in Zypto: built for holders who actually use their crypto
Most Across Protocol wallets do one thing: hold ACX. Zypto App is a full DeFi wallet built for actually using it. Hold ACX non-custodially on the Ethereum network, swap into 24,000+ assets across 20+ chains via in-app DEX integrations, connect to dApps with WalletConnect, and use the value through the Zypto Premium Visa Card and Zypto's bill-pay and gift-card surfaces.
Whether you're new and looking for your first Across Protocol wallet app or your first ACX wallet, or an experienced DeFi user who wants one wallet for holding, swapping and real-world spending, Zypto is built for both, without sacrificing self-custody.
From your first ACX to your first swap - Zypto walks the path
New to Across Protocol? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working ACX wallet in under a minute. Add your first ACX by receiving from another wallet, or by buying in-app where supported.
From zero to using Across Protocol
Get the app
Download Zypto App on iOS or Android. Generate your recovery phrase. Your keys stay on your device.
Add ACX
Receive ACX from another wallet, or buy in-app where supported.
Use it everywhere
Top up the Zypto Premium Visa Card, swap into other assets, pay bills, or buy gift cards.
Your Across Protocol is secured by you
Zypto App is non-custodial. Your private keys are generated and stored on your device, Zypto never has access to your ACX and every transaction is signed locally. For account access, every user sets a PIN with optional biometric security (fingerprint or face recognition). You can also filter your wallet to show only verified tokens, protecting you from random airdrops or unsafe assets. For offline hardware wallet security, pair with the Vault Key Card, card-based cold-wallet hardware that signs transactions over NFC, keys never touch the internet.
What is Across Protocol?
Across Protocol is a cross-chain bridge that moves assets between Ethereum and its layer-2 networks, including Arbitrum, Optimism, Base, and Polygon. It uses an intent-based design: a user states what they want to receive on the destination chain, and a competitive network of relayers fronts the funds and fulfills the request, settling later through a single liquidity pool. The protocol is secured by UMA's optimistic oracle. ACX is the governance token of Across. It was originally used to govern the Across DAO and direct protocol decisions, with a maximum supply of one billion tokens. The token launched in late 2022 as an ERC-20 on Ethereum. In April 2026 a governance proposal approved restructuring the project into a U.S. corporation, giving ACX holders a choice between an equity swap and a USDC buyout, so the token's future role is in transition. You can track the Across Protocol price and hold ACX in a self-custody wallet.
Beyond holding: what your Across Protocol can actually do
Zypto App connects your Across Protocol to real-world spending. Swap into supported coins in-app, use your Across Protocol in the real world.
Vault Key Card cold storage
Card-based cold-wallet hardware. NFC-tap to sign Across Protocol transactions, keys never touch the internet.
Vault Key CardUse a Crypto Visa Card
Load the Zypto Premium Visa Card with crypto. Physical and virtual cards, use them wherever Visa is accepted.
Crypto cardsPay bills with Across Protocol
Settle utility bills and mobile contracts with billers worldwide, paid with crypto from your Zypto wallet.
Bill payBuy gift cards with ACX
Gift cards from popular brands, paid with crypto. Settle in-app, redeem instantly.
Gift cardsTop up any phone
Send mobile credit across many countries in seconds. Pay with crypto, recipient gets local airtime.
Mobile top-upsCross-chain swaps
Swap Across Protocol into 24,000+ assets across 1,000,000+ cross-chain routes. All in-app, all in two taps.
Multichain walletPay with crypto
Zypto App supports 100+ cryptocurrencies for card loads, mobile top-ups, bill pay and gift cards. Swap any asset into a supported coin in-app, all in a few taps.
Zypto PayPair Across Protocol with these in the same wallet
Cross-chain swaps mean your ACX can become any of these in two taps.
662+ dedicated wallet pages
Across Protocol (ACX) wallet: the things people ask
What's the best Across Protocol wallet app?
That depends on what you want to do with your ACX. If you're holding only, any non-custodial wallet works. If you want to hold, swap across 20+ chains, connect to dApps, and use crypto for real-world spending, Zypto App is purpose-built for that while still being fully non-custodial.
Is the Zypto Across Protocol wallet non-custodial?
Yes. Your private keys are generated and stored on your device. Zypto never has access to your ACX. Every transaction is signed locally on your device before it reaches the network.
How do I spend crypto with Zypto Premium Visa Cards?
When you load the card in Zypto App, your crypto is converted into USD. Conversion happens at load, not at the checkout, so you can lock value in, avoid volatility and spend wherever Visa is accepted around the world, subject to eligibility and applicable limits.
Which chains can I swap Across Protocol into?
Swap into assets across 20+ chains including Ethereum, Solana, Polygon, Arbitrum, Optimism, BNB Chain and TRON, across 1,000,000+ cross-chain routes. All in-app, all in two taps.
How do I back up my Across Protocol wallet?
During setup, Zypto App generates a 12-word recovery phrase. Write it down and store it offline somewhere safe. For offline hardware wallet security, pair Zypto App with a Vault Key Card, the card-based cold-wallet hardware that signs transactions over NFC without exposing your keys to the internet.
Is Zypto App available in my country?
The wallet itself is available globally on iOS, Android and web. Some features (in-app buying, the Zypto Premium Visa Card) vary by region. See what's available where you are on our <a href="/spend-crypto/">Spend by Country</a> page.
Is Zypto App free?
The app is free to download and use. Standard network fees apply to on-chain transactions. Card and bill-pay services carry transparent transaction fees published in the app.
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