Guarda Wallet vs Muun

Comparing: two wallets
Decided by: Editorial rating
Last reviewed: 2026-08-25

A capable multi-platform wallet whose 2020 domain hijack exposed the real weakness: a login flow built on uploading your backup.

Muun3.8Bitcoin-only

On-chain and Lightning in one balance behind a 2-of-2 multisig, backed up by an Emergency Kit file rather than twelve words.

Verdict: Muun

Muun rates higher on our rubric: 3.8 against 3.0 for Guarda Wallet.

Criterion: Editorial rating
Guarda Wallet: 3.0
Muun: 3.8

Guarda Wallet and Muun, fact by fact

Every row is from the two reviews as of their review dates, with sources on each. A check marks the side a decidable criterion favours; rows without one are information, not a score.

Guarda Wallet and Muun compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Fact	Guarda Wallet	Muun
Editorial rating	3.0	3.8 (favoured on this row)
Status	Available	Available
Made by	Guarda	Muun
Price	Free download	Free download
Who holds the keys	self-custodial, keys generated on your device and encrypted under a password you choose	self-custodial, a 2-of-2 multisig where your phone holds one key and your Emergency Kit holds both
Bitcoin-only	No	Yes
Runs on	iOS, Android, Windows, macOS, Linux, Browser extension	iOS, Android
Screen	Not stated	Not stated
Connectivity	Not stated	One balance across on-chain and Lightning, with submarine swaps moving funds between the two
Released	2017	Announced for iOS in October 2019, after the Android app
Countries on the maker's list	No published list	No published list
Last reviewed	2026-08-25	2026-08-25

Pros and cons, side by side

Guarda Wallet

What works

Guarda's CEO published a dated, detailed account of the 2020 attack, including the registrar's own logs
Runs on Windows, macOS, Linux, iOS, Android, a web app and a Chrome extension
Keys are generated locally and encrypted under your own password, and Guarda never holds them
Staking on 14 networks, multisig support and 24/7 live support, per Guarda's own site
Buying built in with cards and Apple Pay across a wide asset range

What to watch

The web and extension flow involves uploading your backup file, which is precisely what the 2020 phishing page was built to collect
The 2020 breakdown came through a domain registrar account, a dependency Guarda does not control and cannot audit
Third party perpetual futures and prediction markets now sit inside the wallet, which is more moving parts than holding bitcoin needs
The user, token and blockchain counts are Guarda's own figures, published on its own homepage
A hot wallet with no hardware signing of its own

Muun

What works

One balance for on-chain and Lightning, so you never have to choose a rail before paying
2-of-2 multisig means a stolen or malware-infected phone alone cannot spend your bitcoin
The Emergency Kit carries both keys and the output descriptors, so recovery does not depend on Muun
Mempool-based fee estimator, with the method published rather than asserted
Free, self-custodial and bitcoin only on both iOS and Android

What to watch

Your backup is an Emergency Kit file plus a recovery code, not twelve words you can stamp into steel
The newest post on Muun's blog was written days before taproot activated in November 2021
Payments that need a submarine swap settle on chain, and mining fees on those have surprised users
No coin control, no hardware wallet pairing and no way to point it at your own node

Frequently asked questions

Is Guarda Wallet or Muun better?

Muun rates higher on our rubric: 3.8 against 3.0 for Guarda Wallet. The rating follows the product rubric published on our about page; the rows above set custody, price and platforms side by side so you can check it.

Are Guarda Wallet and Muun free?

Yes, both are free to download. What differs is who holds the keys: Guarda Wallet is self-custodial, keys generated on your device and encrypted under a password you choose; Muun is self-custodial, a 2-of-2 multisig where your phone holds one key and your Emergency Kit holds both.

Is Guarda Wallet or Muun bitcoin-only?

Muun is bitcoin-only; Guarda Wallet supports other assets too. Bitcoin plus more than 70 blockchains, by Guarda's own count

The full reviews: Guarda Wallet and Muun, each with its sources, and every wallet we review.

More comparisons

Every other head-to-head Guarda Wallet or Muun appears in.