The Dai wallet built for spending, not just holding
DAI · Ethereum networkLooking for a Dai wallet or a DAI wallet app that does more than just hold? Zypto App is a non-custodial multichain DeFi wallet where you can hold DAI, 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.
Dai in Zypto: built for holders who actually use their crypto
Most Dai wallets do one thing: hold DAI. Zypto App is a full DeFi wallet built for actually using it. Hold DAI 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 Dai wallet app or your first DAI 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 DAI to your first swap - Zypto walks the path
New to Dai? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working DAI wallet in under a minute. Add your first DAI by receiving from another wallet, or by buying in-app where supported.
From zero to using Dai
Get the app
Download Zypto App on iOS or Android. Generate your recovery phrase. Your keys stay on your device.
Add DAI
Receive DAI 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 Dai 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 DAI 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 Dai?
Dai is a decentralized US dollar stablecoin that aims to hold a steady value of around one dollar. Rather than being backed by a company holding cash reserves, it is generated against crypto collateral locked in smart contracts, making it one of the foundational stablecoins of decentralized finance. DAI runs on Ethereum and many other networks, including Polygon, Arbitrum, Base, and Solana, so it can be used widely across DeFi. Its peg is maintained through collateral and protocol mechanisms rather than a centralized issuer. It is one of the most established decentralized stablecoins in crypto. You can follow the Dai price and hold DAI in a self-custody wallet.
Beyond holding: what your Dai can actually do
Zypto App connects your Dai to real-world spending. Swap into supported coins in-app, use your Dai in the real world.
Vault Key Card cold storage
Card-based cold-wallet hardware. NFC-tap to sign Dai 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 Dai
Settle utility bills and mobile contracts with billers worldwide, paid with crypto from your Zypto wallet.
Bill payBuy gift cards with DAI
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 Dai 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 Dai with these in the same wallet
Cross-chain swaps mean your DAI can become any of these in two taps.
662+ dedicated wallet pages
Dai wallet: the things people ask
What's the best Dai wallet app?
That depends on what you want to do with your DAI. 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 Dai wallet non-custodial?
Yes. Your private keys are generated and stored on your device. Zypto never has access to your DAI. 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 Dai 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 Dai 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.
Learn more about Dai
