These are the best crypto exchanges with built-in wallet apps. We tested 50+ crypto platforms and ranked the winners by wallet security, ease of use, and on-exchange integration.
We scored each wallet app on the things that decide whether it’s actually good to live in: custody model (custodial vs non-custodial), core protections like encryption, biometrics, and backups, plus chain/token support and Web3/DApp access. We also evaluated how smoothly the wallet connects to its exchange for funding and transfers, what everyday features are built in (quick buy, swaps, staking, bridging), and how fast support resolves wallet-related issues. The exchanges below earned top spots by combining real wallet safety and utility with a clean, reliable in-app trading flow.
| Exchange | Ranking | Taker/Maker | Available Crypto | Accepts Fiat | Payment Methods | KYC |
|---|---|---|---|---|---|---|
Kraken | 4.2 Read Review | 0.4% / 0.25% | 532 | Yes | +3 | Yes |
Paybis | No Rating Read Review | 4.5% / 4.5% | 84 | No | +6 | Optional for purchases up to 1,000 USD (mandatory in certain regions and for all Sell Crypto transactions) |
Coinbase Exchange | 4.1 Read Review | 1.2% / 0.6% | 314 | Yes | +6 | Yes |
Bitget | 4.7 Read Review | 0.1% / 0.1% | 657 | Yes | +2 | Yes |
OKX | 4.6 Read Review | 0.1% / 0.08% | 296 | Yes | +6 | YES |
Crypto.com | 4.3 Read Review | 0.3% / 0.15% | 430 | Yes | +3 | Full KYC Required |
WhiteBIT | 4.0 Read Review | 0.1% / 0.1% | 338 | Yes | +3 | Yes (Basic or Full KYC) |
Bybit | 4.6 Read Review | 0.1% / 0.1% | 519 | Yes | +2 | Yes |
Kraken Wallet is a non-custodial wallet developed by one of the most security-focused exchanges in the industry. It aims to balance usability, security, and broad network support, offering a solid option for users who want self-custody without sacrificing convenience.
Paybis Wallet lets users securely store the crypto they buy on Paybis, it offers seamless integration with the main exchange and lets users quickly and easily buy crypto with USD. Its user-friendly interface makes it accessible for beginners and experienced users alike.
Base Wallet is designed for first-time users exploring self-custody. It supports all EVM-compatible chains and most ERC-20 tokens, serving as a bridge between centralized exchanges and Web3.
Bitget Wallet carries over the exchange’s focus on asset protection, combining multi-party computation (MPC) with insurance backing and wide asset support.
OKX Wallet is a full-featured Web3 wallet designed to help users access DeFi apps and on-chain tools across hundreds of blockchains.
Crypto.com Wallet focuses on mobile-first self-custody. It delivers a streamlined experience for mobile users looking to buy, hold, stake, and swap crypto.
Whitewallet stands out by integrating directly with Telegram, appealing to users who frequently send and receive crypto in social apps.
Bybit’s Web3 Wallet is a browser-based wallet with strong multi-chain support and a Telegram mini-app. While it lacks a dedicated mobile app, it covers both casual and power users with flexible options.
A non-custodial wallet is a type of crypto wallet where you control your own private keys, meaning only you can access and manage your funds. Unlike custodial wallets offered by exchanges, there is no third-party holding your assets on your behalf.
These wallets give you full ownership and control, but also come with full responsibility. If you lose your private key or recovery phrase, no one can recover your funds. Non-custodial wallets are best for users who prioritize privacy, independence, and long-term storage.
| Pros | Cons |
|
|
| Feature | Custodial Wallet | Non-Custodial Wallet |
| Who Controls the Keys? | Exchange holds the keys | User holds the keys |
| Recovery Options | Exchange account recovery using email, phone, etc. | Recovery phrase only |
| Ease of Use | Beginner-friendly with less responsibility | Requires user responsibility |
| Security | Depends on exchange security & login access | Higher, no third-party access |
| Access to Web3 Features | Limited Web3 access | Full access to Web3 features |
| Withdrawal Freedom | May be subject to freezes and withdrawal limits | Complete freedom to withdraw anytime |
When choosing a non-custodial wallet from a crypto exchange, we recommend prioritizing the following features:
When using a non-custodial wallet, it’s important to avoid these common mistakes:
Shennon Hewa is a crypto trader and crypto journalist based in London. Active in the crypto space since 2017, he specializes in scalping, derivatives day trading, and swing trading. At FXEmpire, he has reviewed dozens of crypto exchanges and has extensive knowledge of platform strengths and weaknesses.
At FXEmpire, we strive to provide unbiased, thorough, and accurate exchange reviews by industry experts to help our users make smarter financial decisions.