A real wallet for your Merlin Chain (MERL)
MERL · Merlin Chain networkLooking for a Merlin Chain wallet or a MERL wallet app that does more than just hold? Zypto App is a non-custodial multichain DeFi wallet where you can hold MERL on the Merlin Chain network, swap into 24,000+ assets, connect to dApps, top up the Zypto Premium Visa Card, pay bills and buy gift cards. All from one app, with your keys staying on your device.
Merlin Chain (MERL) in Zypto: built for holders who actually use their crypto
Most Merlin Chain wallets do one thing: hold MERL. Zypto App is a full DeFi wallet built for actually using it. Hold MERL non-custodially on the Merlin Chain 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 Merlin Chain wallet app or your first MERL 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 MERL to your first swap - Zypto walks the path
New to Merlin Chain? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working MERL wallet in under a minute. Add your first MERL by receiving from another wallet, or by buying in-app where supported.
From zero to using Merlin Chain
Get the app
Download Zypto App on iOS or Android. Generate your recovery phrase. Your keys stay on your device.
Add MERL
Receive MERL 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.
Keeping your Merlin Chain safe - how Zypto handles security
Zypto App is non-custodial. Your private keys are generated and stored on your device. Zypto never has access to your MERL, and every transaction is signed locally. For higher security, pair with the Vault Key Card, the card-based cold-wallet hardware that signs transactions over NFC without exposing keys to the internet.
What is Merlin Chain?
Merlin Chain is a Layer 2 network built to extend Bitcoin. It uses a ZK-Rollup design together with decentralized oracle networks and data availability components, aiming to let Bitcoin-native assets and protocols run with lower fees and more functionality than the Bitcoin base layer alone. MERL is the network's native token. It is used to pay transaction fees, to stake toward network security, to delegate to validators, and as collateral and liquidity within the ecosystem. Merlin Chain launched in early 2024, and the MERL token went live in April 2024. As a newer Bitcoin Layer 2, it is still maturing, and the broader Bitcoin L2 sector is young and competitive. You can track the Merlin Chain price and hold MERL in a self-custody wallet.
Beyond holding: what your Merlin Chain can actually do
Every feature works directly with your MERL balance. No selling, no exchange roundtrips.
Use a Crypto Visa Card
Top up the Zypto Premium Visa Card with MERL and use it wherever Visa is accepted. Physical or virtual.
Crypto cardsPay bills with Merlin Chain
Settle utility bills and mobile contracts with billers worldwide, paid from your MERL balance.
Bill payBuy gift cards with MERL
Gift cards from popular brands, paid in Merlin Chain. Settle in-app, redeem instantly.
Gift cardsTop up any phone
Send mobile credit across many countries in seconds. Pay with MERL, recipient gets local airtime.
Mobile top-upsCross-chain swaps
Swap Merlin Chain into 24,000+ assets across 20+ chains. No bridges, no second wallet, all in one tap.
Multichain walletVault Key Card cold storage
Card-based cold-wallet hardware. NFC-tap to sign Merlin Chain transactions, keys never touch the internet.
Vault Key CardPay via KuCoin Pay
Move and pay with MERL across the KuCoin Pay network, straight from your non-custodial Zypto wallet.
KuCoin PayPair Merlin Chain with these in the same wallet
Cross-chain swaps mean your MERL can become any of these in two taps.
662+ dedicated wallet pages
Merlin Chain (MERL) wallet: the things people ask
What's the best Merlin Chain wallet app?
That depends on what you want to do with your MERL. If you're holding only, any non-custodial wallet works. If you also want to use Merlin Chain for real-world spending through the Zypto Premium Visa Card, pay bills, top up phones, or swap into other assets, Zypto App is purpose-built for that while still being fully non-custodial.
Is the Zypto Merlin Chain wallet non-custodial?
Yes. Your private keys are generated and stored on your device. Zypto never has access to your MERL. Every transaction is signed locally on your device before it reaches the network.
Can I use Merlin Chain for real-world spending without selling it?
Through the Zypto Premium Visa Card, your MERL balance is converted at the point of sale, so you use the value of your crypto for real-world spending wherever Visa is accepted, subject to eligibility and applicable limits. You can also swap MERL into stablecoins in-app for bill pay or gift cards.
Which chains can I swap Merlin Chain into?
20+ chains including Ethereum, Solana, Polygon, Arbitrum, Optimism, BNB Chain and TRON. Cross-chain swaps happen inside Zypto App, no separate wallets required.
How do I back up my Merlin Chain wallet?
During setup, Zypto App generates a 12-word recovery phrase. Write it down and store it offline somewhere safe. For higher 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) are region-restricted. Check the support center for your country's specific availability.
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.
