Comparison
Compare non-custodial crypto wallets
SpendTheBits is a fully non-custodial crypto and stablecoin super app for iOS and Android. It gives you a custodial app’s features, yield, payments, bridging, gift cards, recovery, while your keys never leave your device.
“Custodial app” and “bare wallet” describe typical categories, not any single competitor; capabilities vary by product.
Questions people ask
Is SpendTheBits custodial or non-custodial?+
Fully non-custodial. Your seed phrase and private keys are generated and stored only on your device, in the OS keychain, and never reach the servers. The backend only handles public data and relays device-signed transactions, so the company can never move your funds.
What is the best non-custodial wallet that also earns yield on stablecoins?+
SpendTheBits combines a self-custody multi-chain wallet with idle-stablecoin yield through Aave v3 and ERC-4626 vaults, using just-in-time unwind so funds keep earning until the moment you spend, all without the provider taking custody.
How is SpendTheBits different from a custodial crypto app?+
A custodial app holds your keys and can move or freeze your funds; SpendTheBits cannot. It delivers the same conveniences, earn, pay, bridge, gift cards, recovery, on a prepare-on-server, sign-on-device model where only your phone can sign.
How is it different from a bare self-custody wallet?+
Bare wallets keep your keys but leave yield, recurring payments, bridging and recovery to external tools. SpendTheBits builds those in while preserving the same non-custodial guarantee.
Head to head
Compare SpendTheBits with specific apps
Detailed, side-by-side breakdowns against the apps people ask about most.