无论是想交易赚个差价，还是看好数字货币的长期价值，都一定要有数字货币钱包。全球知名的数字货币钱包有71个*。所以，选一个合适的数字货币钱包比较困难，如果你是个萌新就会难上加难。
这篇文章重点要讲4件事：什么是数字货币钱包，工作原理，挑选原则，顶级的几款钱包介绍。
1.什么是数字货币钱包
首先纠正一个误区：数字货币钱包并不是传统意义的钱包，加密货币是去中心化的，所以数字货币钱包里面并不存钱，钱包只存储公钥和私钥。
2.那么数字货币钱包是如何工作的呢？
私钥是一个随机生成的字符串，通过使用私钥我们可以进行转账。私钥丢了，意味着钱没了。
公钥是根据私钥加密生成的字符串，公钥是对外公开的，别人可以往这个地址里转币了。
映射到传统金融体系：公钥就是银行卡号，私钥就是密码。
3.数字货币钱包类型
按照钱包场景，钱包可以分为5个类型：电脑钱包、移动端钱包、云端钱包、硬件钱包、纸钱包
电脑钱包：电脑里下载一个钱包，相对比较安全，但是现在啥电脑都会联网，只要联网就可能被黑，只能说相对比较安全。
移动端钱包：移动端钱包就是电脑钱包的翻版，只不过就是运营在手机上而已，现在移动网民用户量已经超过35亿**，所以这个普及度更高。这类钱包通常把私钥存储在手机上，但是大多数平台都不那么可靠，所以这个也并不是十分安全。
在线钱包：在线私钥存在云端，只要联网，就能用这个钱包。在云端的感觉，总有种被窥视的感觉，也会带给你不安全感觉。
硬件钱包：硬件钱包就是把钱包存在硬件里，类似于小U盘之类的。这类钱包的缺点是：硬件得花钱买。如果你是价值投资者，相信长期的力量，不会在短期内进行交易。那么你可以用硬件钱包，硬件钱包。
纸钱包：就是通过各种物理手段，比如用一张纸记下来，或者转移成一个二维码存起来，容易丢，输入也不方便。
4.你需要什么样的钱包？
安全和体验不能同时获得，要根据自己的实际情况选钱包，需要问自己几个问题：
我是不是天天看钱包，每天都转账；我要在钱包里存多少种数字货币；愿不愿意花钱买钱包，愿意花多少钱；安全是否是最最最最重要的；是否愿意为了安全牺牲一些体验？
钱包费用：除了硬件钱包，其他钱包一般都是免费的。
安全性：硬件钱包是最安全的，需要多做点功课，比如看看这个钱包公司的经营时间，还有是否值得信赖。
用户友好：移动端钱包、电脑钱包用户友好，操作方便。
便捷性：全球约有3000多种数字货币。如果你打算持有多种数字货币，最好选个硬件钱包，因为硬件钱包支持的币种多，比如LedgerNanoS以及Trezor，支持超过700个币种。
5.全球Top数字货币加密钱包
根据前面介绍的钱包方向，接下来我会介绍每个方向的头部钱包。
Coinbase：最好的在线钱包
Coinbase
Coinbase是货币交易所，所以他们提供钱包服务也是顺理成章的。FDIC***为Coinbase的每个账户投保了25万美金的保额。我们可以通过浏览器、IOS、安卓使用他的钱包服务。
BlockChain：最好的在线钱包
Blockchain
基本功能与Coinnbase一样。
LedgerNanoS：最好的硬件钱包
LedgerNanoS
支持超过700种币，长得有点像个U盘。
TrezorOne：最好的硬件钱包
TrezorOne
调查：传统对冲基金投资加密资产的比例降至29%:金色财经报道，普华永道和另类投资管理协会（AIMA）的调查显示，传统对冲基金投资加密资产的比例将从2022年的37%降至29%。报告补充称，四分之一目前已投资该领域的对冲基金表示，美国对加密行业监管的不确定性增加，可能导致他们重新考虑这一资产类别。报告称，在受访的59家对冲基金中，超过70%的基金投资决策受到了去年市场事件（FTX等多家主流加密公司倒闭）的影响，这些基金总共管理着2,800亿美元的资产。[2023/7/12 10:49:09]
这个钱包设计的挺时尚的，也支持超过700个币种。
Copay：最好的移动端钱包
Copay
这个钱包信誉挺好。
Electrum：最好的电脑钱包
Electrum
只支持比特币。
Exodus：最好的电脑钱包
Exodus
界面很好看，安全性做的也不错，主流币种全部支持，比如：Bitcoin,BitcoinCash,Ethereum,EthereumClassic,Litecoin,Dash,Zcash,0x,EOS,Storj等。
其他电子钱包
以上介绍的都是主流电子钱包，没能把所有的电子钱包全部介绍一遍，
以下是G2全球的评分，有兴趣的朋友可以自己去看看
G2
6、最后的思考
希望自己写的东西能帮到别人吧。
*数据来源：G2，全球著名的B2B针对企业用户的软件评测平台，在同类网站中影响力最大、权威性最高，被称为商用软件领域的“大众点评”。
**数据来源：Newzoo，全球游戏和电竞行业数据分析及市场情报的行业领导者。
***FDIC：美国联邦存款保险公司
如果想探讨更多关于数字货币的信息，欢迎加微信：bityue，或者关注微信公众号：区块见闻。
EnglishVersion
Whetheryou’replanningtostarttradingorsimplyholdingcryptocoinsforfutureinvestments,acryptocurrencywalletisamust-have.So,consideringyourgoal,youneedtoknowhowtochoosetherightcryptowallet.
Inthisindustry,walletsareanessentialpartofowningandinvestingincryptocurrencies,regardlessoftheirtype.
Butsincetherearesomanygoodoptionsin2020,choosingtherightwalletcanturnintoaburden.Especiallyifyou’renewinthecryptoworld.
Thisarticlewillguideyoutowardlearningallthereistoknowaboutwallets–whattheyare,howtheywork,whattoconsiderwhenchoosingone,andwhatarethebestcryptowalletstoget.
1.Whatarecryptowalletsallabout？
Rightoffthebat,weneedtotalkaboutoneofthemostcommonmisconceptions?aboutcryptocurrencywallets.
Ark Invest CEO：监管机构不应封锁透明、可审计的DeFi:金色财经报道，Ark Invest首席执行官Cathie Wood在社交平台表示，当美国银行系统因银行挤兑威胁到地区银行而陷入瘫痪时，比特币、以太坊和其他加密网络却不受影响继续运行。银行体系的不稳定威胁到了稳定币，稳定币是 DeFi 的入口，这与监管机构的言论形成了鲜明对比。
监管机构不应该封锁去中心化、透明、可审计、运转良好且没有中心故障点的金融平台，而是应该关注传统银行体系中正在出现的中心化、不透明的故障点。
他们本应完全了解这场显而易见的危机：资产和负债期限错配，短期利率在不到一年的时间内飙升 19 倍，银行体系中的存款自上世纪 20 年代以来首次出现同比下降。[2023/3/15 13:04:45]
Eventhoughcryptowalletsaresimilartotraditionalwallets,theydon’tactuallystoreyourcryptocurrency.
Asyoualreadyknow,cryptocurrenciesaredecentralized.Meaningthattheyaren’tstoredinasinglelocation,butinsteadarerecordedintheformoftransactionsandstoredontheblockchain.
Hence,cryptowalletsaresoftwareprogramsthatstoreyourpublicandprivatekeys.
Tosimplyputit,theyarelikebankaccounts.Theyallowyoutotrackyourbalanceandmaketransactions,allfromoneplace.
No“real”coinsareactuallyeverexchanged.
2.Buthowdothesekeyswork?
Aprivatekeyisarandomlygeneratedstringofnumbersandletters.Yourprivatekeyallowsyoutosendcryptocurrencytosomeoneelse.Withoutit,youcan’tapprovetransactions.Soit’scrucialtokeepitassafeaspossible.
Losingyourprivatekeymeanslosingyourcoins.
Thepublickeyisakeythatotherscansee.It’sderivedfromtheprivatekeythroughahash.Thepublickeyisyourwalletaddress,andit’susedbyotherstosendcryptocurrenciestoyourwallet.
Thinkofitlikethis:yourpublickeyisyourbankaccount,andyourprivatekeyisyoursecuritycode.It’sfineforpeopletoknowyourpublickey,butnotyourprivateone.
Here’sapracticalexample.
Whenapersonsendsyoucryptocoins,theyaresigningoffownershipofthosecoinstoyourwallet’saddress.
Buttospendthosecoins,theprivatekeystoredinyourwalletmustmatchthepublicaddresstheyareassignedto.Ifthepublicandprivatekeysmatch,thebalanceofthewalletwillincrease,whilethesenderswilldecreaseaccordingly.
美伊利诺伊州新法案拟将未经许可的数字资产业务活动定为重罪:3月9日消息，Web3 创业加速器 DeFi Alliance 创建的去中心化自治组织 Alliance DAO 发推表示，昨晚在伊利诺伊州，一项法案（数字资产监管法案 DARA）提出将未经许可的数字资产业务活动（即大多数区块链活动）定为重罪。如果众议院通过该法案，它可能会在几周内成为法律。[2023/3/9 12:51:02]
3.Typesofcryptowallets
Cryptowalletscanbebrokendownintofivecategories:
Desktop
Online
Mobile
Hardware
Paper(ChecktheRipplePaperWalletexample)
Desktopwallets
Youcandownloadandinstalldesktopwalletsonyourcomputerregardlessoftheoperatingsystemyourun.Theyarearelativelysafemethodofstoragesincetheycanonlybeaccessedthroughyourcomputer.
However,likemostthingsnowadays,ourPCsareconstantlyconnectedtotheInternet.Soneverassumethatyourkeyscan’tgetstolen.
Onlinewallets
Onlinewallets“run”onthecloud,whichmakesthemveryconvenientasyoucanaccessthemfromvirtuallyanywhereintheworld.Aslongasyou’reconnectedtotheInternet,thatis.
However,theonlinestorageofthekeysalsoposesathreat.Yourkeysarenotfullyinyourcontrol,andbycentralizingnumerouskeysyoumakethemmorevulnerabletoattacks.?
It’sworthmentioningthatonlinewalletsareusuallyusedbycryptoexchanges.
Mobilewallets
Mobilewalletsaretheequivalentofdesktopwallets,andtheyaredesignedtorunonyoursmartphone.
Sincemobilephonesaresuchabigpartofourdailylives,it’snowonderthatmobilewalletsareamongthemostconvenienttypesofcryptowallets.Theyarealsonotoriouslyuser-friendlyaswellasquitestylish.
Anotherupsideisthatyourkeysareusuallystoredlocallyonyoursmartphone.Butconsideringthedoubtfulsecurityofmostplatforms,mobilewalletstendtosufferfromvarioussecurityshortcomings.
SIDENOTE.Certainmobilewalletsalsostoretheirkeysinacloud,asasafetyprecaution.Makesuretothoroughlyresearchhowawalletworksbeforedecidingwhichtouse.
无聊猿新游戏门票Sewer Pass市值突破1亿美元，地板价超3 ETH创新高:金色财经报道，据NFTGo.io数据显示，无聊猿新游戏Dookey Dash门票SewerPass地板价已突破3ETH，截止目前为3.1ETH，创下新高，过去24小时涨幅达到14.82%。此外，当前Sewer Pass市值达到1.2137亿美元，交易总额接近5300万美元。[2023/1/28 11:32:54]
Hardwarewallets
Ifyou’reseriousaboutstoringyourcryptocurrenciesforthelong-run,thenasfarassecuritygoes,ahardwarewalletisyourbestoption.?
Unlikesoftwarewallets,hardwarewalletsstoreyourkeysonahardwaredevice.Mostofthemaredesignedtobesafeevenwhenconnectingthemtoinfectedcomputers.
Theonlymajordrawbackofhardwarewalletsistheirprice.?Butweallknowthatgoodthingsdon’tcomecheap.
Paperwallets
Asthenamesuggests,paperwalletsallowyoutostoreyourprivateandpublickeysonprint,usuallyviaQRcodes.
Butitdoesn’thavetobeonlypaper.Youcanalsoprintthemonplastic,similartoacreditcard.
Asstrangeasitmightsound,it’sactuallyaverysafe?solutiontostoreyourprivatekeys.Inordertospendmoneyfromyourpaperwallet,youneedtofirsttransferittoasoftwarewallet.Thisprocessisknownas“sweeping”.
Asyoucantell,themaindrawbackisthefactthataprintedwalletcaneasilygetlostorstolen.
4.Whattypeofwalletdoyouneed?
Ofcourse,choosingthebestcryptocurrencywalletisamatterofpreference.Butselectingitshouldinvolveasetofpragmaticandpracticalreasons.Beforeanything,it’simportanttoaskyourself:
DoIneeddaily,quickaccesstothiswallet?
HowmanycurrencieswillIhold?
Whatarethecosts?
Issecurityimportanttome?
AmIwillingtotradesecurityforconvenience?
Costs
Mostcryptocurrencywalletsareusuallyfree,butsome,likehardwarewallets,requireasmallinvestment.
Ifyouplantoholdontoyourcoinsforlongerperiodsoftime(orifyou’reholdinglargeamountsofcryptocurrency),werecommend?investinginahardwarewallet.
法院裁定ConsenSys AG股东对资产转让有投票表决的权利:12月21日消息，瑞士楚格州州法院的一名法官裁定允许ConsenSys AG股东对Metamask、Infura等资产转让给ConsenSys Software Inc的交易进行投票表决。一旦股东就此资产转让进行表决，便可以在法庭上对其提出质疑，这将使股东能够合法陈述ConsenSys最有价值的资产没有有效转让，实际上仍由ConsenSys AG拥有。
据悉，ConsenSys AG由Joseph Lubin于2014年创立，股权被授予大量员工以换取减少的工资。2020年执行的一项销售和出资协议将大量资产从ConsenSys AG转移到新创建的实体ConsenSys Software，但没有通知股东。ConsenSys Software随后完成总计7.15亿美元的三轮融资，报告的最终估值为70亿美元。
此前3月份消息，35名股东要求对公司进行审计并调查ConsenSys创始人Joseph Lubin的交易。ConsenSys前雇员Arthur Falls称，基础知识产权和子公司被非法从ConsenSys AG转移到新实体ConsenSys Software Inc并用于筹款。（PRNewswire）[2022/12/21 21:57:55]
Security
Keepingyourfundssecureisextremelyimportantandshouldbeatthetopofyourprioritylistwhenchoosingawallet.
It’simportanttocarryoutplentyofresearchaboutthewallet’ssecurityfeatures.Ifyouwanttomakesurethatyou’vedoneeverythingpossibletowardsensuringthesecurityofyourfunds,thenoptforahardwarewallet.
Mobility
Whenitcomestomobilityandconvenience,onlineandwebwalletsareyourbestfriend.Youcanaccessthemfromanywhere,regardlessofthedeviceyou’reusing.
User-friendliness
User-friendlinessisoneofthemostcriticalaspectsofanytypeofcryptowallet.Itcanmeanthedifferencebetweenenjoyingusingthewalletandgettingfrustratedwithit.
Generally,mobileanddesktopwalletsareveryuser-friendly,andtheydon’tneedmuchworktosetthemupproperly.
Convenience(multi-currency)
Ifyou’replanningtoholdmorethanonecryptocurrency,thenpickingawalletwithmulti-currencysupportisamust.Usually,it’srecommendedtopickarenownedwallet,withmanyreviewsandgoodsupport.
Butifyou’replanningtousethewalletforjustonecryptocoin,youshouldcheckoutthecoin’swebsitetoseeiftheyhaveadedicatedwallet.
Werecommendedhardwarewalletsafewtimesinthisarticle,andoneoftheirmainadvantagesistheirnumberof?supportedcryptocurrencies.
Forexample,twoofthebest-sellinghardwarewallets(LedgerNanoSandTrezor)boastsupportforover700coinsandtokens.
5.Topcryptocurrencywallets
Tomakeiteasierforyouwhenitcomestochoosingtheperfectwallet,wewilltakealookatsomeofthebestwalletsfromeachcategory.
Thebestonlinewallets
Coinbase
Coinbase
Coinbaseisacryptoexchangeservice,sothemcreatingtheirownwalletmakesperfectsense.Theirwalletisoneofthemostpopularonlinewalletsandit’soneofthebestpossibleoptionsforpeoplethatarestartingoutinthecryptoworld.
TheCoinbaseWalletiscoveredbytheFDICinsuranceforupto$250,000ofyourfiat.YoucanaccessitviaanymodernwebbrowserorthroughtheofficialiOSandAndroidapps.Atthesametime,itallowsyoutousea2-FactorAuthenticationsystemoruseGoogleAuthenticatorformoreprotection.
Blockchain
Blockchain
Ifyou’renotafanofCoinbase,theBlockchainWalletisaperfectalternative.
JustlikeinthecaseofCoinbase,Blockchain.infoisaccessibleviaanymodernwebbrowserorthroughitsofficialmobileapplications.
Italsousesa2FAsystem,anditprovidesyouwiththepossibilityofsecuringyourfundsusingafour-digitpassword.
Thebesthardwarewallets
LedgerNanoS
LedgerNanoS
TheLedgerNanoSisoneofthemostsuccessfulhardwarewalletscurrentlyonthemarket,andithasalotgoingforit.
Forstarters,itcomeswithsupportforover700coinsandtokens,andenoughsecurityfeaturestokeepeventhemostsecurity-savvyusershappy.
Ithasasimpledesign(verysimilartoatypicalUSBstick)withtheadditionofasmallLCDscreenandtwophysicalbuttonsfortransactionverificationandconfirmationpurposes.
TrezorOne
TrezorOne
IncaseyoufindLedgerNanoStobeabittooconservativeaboutitsdesign,youcancheckoutTrezorOne,itsdirectcompetitor.
JustlikeLedgerNanoS,thiswalletalsocomeswithsupportforover700coinsandtokens,andlotsofsecurityfeatures.
Thebestmobilewallets
Copay
Copay
CopayisahighlyreputablemobilecryptowalletbackedbyoneoftheleadingBitcoinpaymentfirms.
It’savailableforbothAndroid?andiOS,butitalsocomesintheformofwebanddesktopapps(availableforWindows,macOS,andLinux).
ItsupportsBitcoinandBitcoinCashandisfreetouse.
Intermsofsecurity,Copayisverywellrated.It’soneofthefirstBitcoinwalletstosupportthefullBitcoinPaymentprotocol.Anotherbigadvantageofthewalletisthefactthatit’sveryeasytouse,makingitperfectforbeginners.
Thebestdesktopwallets
Electrum
Electrum
Electrumisalightweightandveryfastdesktop(andmobile)cryptocurrencywallet.Itispopularforitsvarietyoffeatureswhichmakeitoneofthemostflexiblechoicesoutthere.
Itprovidescoldstoragesolutions,aswellasintegrationwithsomeofthebesthardwarewallets:LedgerNanoS,KeepKey,andTrezor.
TheElectrumwalletalsofeaturesintegrationwithTor,andithastop-notchencryptiontechnologiesbuiltwithin,whichmeansit’sverysecureanditprotectsyouranonymity.
However,theElectrumwalletonlysupportsBitcoin.Soifyou’replanningtouseanyothercryptocurrencies,youmightwanttolookforadifferentwallet.
Exodus
Exodus
Ifuser-friendliness,aswellassecurityandconvenience,arewhatyou’reafter,thenExodusisdefinitelyagoodchoice.
It’soneofthebest-lookingcryptocurrencywallets,withamodernandstylishinterfaceandenoughpracticaleyecandytohelpyoucontrolallyourcryptofunds.
Itsupportsawiderangeofcryptocurrencies,includingsomeofthemostpopularsuchasBitcoin,BitcoinCash,Ethereum,EthereumClassic,Litecoin,Dash,Zcash,0x,EOS,Storj,andmore.
Otherwalletsworthmentioning
Whiletheabovementionedwalletsaremarketleaders,itwouldbeashamenottotalkaboutupcomingplayers.
Guarda,forexample,isanall-in-onewalletthataimstoprovideitsuserswithaccessibilityandflexibility.Thewalletisavailableinawebversion,asaChromeextension,asamobileappandasadesktopapp.
Currently,itsupportscloseto50coins,includingBitcoin,Dash,EOS,Ethereum,Litecoin,Ripple,andmore.
Finalthoughts
Choosingacryptowalletisnotasimpledecisionandyoushouldnottreatitlightly.Butitwillallowyoutosafelystoreandeventuallyspendyourcryptocoins.
Prepareforalotofreadingandsomeexperimentation,asyoumaynotfindyourperfectmatchonthefirsttry.
Bethatasitmay,wehopethisguidehelpedyouandofferedallthenecessaryguidanceandbasicunderstanding.
Ifyouwanttotalkmoreabout?Cryptocurrencies,pleasefellfreetoaddmyWechat:bityue，or?followOfficialAccounts：BlockSense
来源：金色财经
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