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Muun vs Trust Wallet

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

Trust Wallet2.9

Use the phone app, think twice about the extension: an attacker published a malicious build of it on December 24, 2025.

Verdict: Muun

Muun rates higher on our rubric: 3.8 against 2.9 for Trust Wallet.

Criterion
Editorial rating
Muun
3.8
Trust Wallet
2.9

Muun and Trust Wallet, 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.

Muun and Trust Wallet compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactMuunTrust Wallet
Editorial rating3.8 (favoured on this row)2.9
StatusAvailableAvailable
Made byMuunTrust Wallet
PriceFree downloadFree download
Who holds the keysself-custodial, a 2-of-2 multisig where your phone holds one key and your Emergency Kit holds bothself-custodial, keys generated on your own device and never held by Trust Wallet
Bitcoin-onlyYesNo
Runs oniOS, AndroidiOS, Android, Browser extension
ScreenNot statedNot stated
ConnectivityOne balance across on-chain and Lightning, with submarine swaps moving funds between the twoNot stated
ReleasedAnnounced for iOS in October 2019, after the Android app2017
Countries on the maker's listNo published list228
Last reviewed2026-08-252026-08-25

Pros and cons, side by side

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

Trust Wallet

What works

  • Keys are generated on your device, and Trust Wallet's terms describe it as non-custodial software rather than an account
  • The mobile apps were untouched by the December 2025 browser extension compromise
  • Trust Wallet published a dated timeline that names its own leaked publishing key as the way in
  • It decided to reimburse affected users voluntarily and put the process in writing
  • One app holds bitcoin alongside Ethereum, Solana and hundreds of other chains

What to watch

  • An attacker shipped a malicious build of the Chrome extension directly to users, so installing it means trusting a publishing pipeline that has failed once
  • Trust Wallet counts 2,520 affected addresses against over 5,000 reimbursement claims, and reviews them case by case with no published deadline
  • Keys sit on an internet connected phone, so this is a hot wallet: savings belong on a hardware wallet instead
  • Bitcoin is one chain among hundreds, and the interface is built around tokens and dapps rather than around bitcoin
  • The Earn feature is unavailable in 33 countries and territories, including the United States, the United Kingdom and most of the European Economic Area

Frequently asked questions

Is Muun or Trust Wallet better?

Muun rates higher on our rubric: 3.8 against 2.9 for Trust 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 Muun and Trust Wallet free?

Yes, both are free to download. What differs is who holds the keys: Muun is self-custodial, a 2-of-2 multisig where your phone holds one key and your Emergency Kit holds both; Trust Wallet is self-custodial, keys generated on your own device and never held by Trust Wallet.

Is Muun or Trust Wallet bitcoin-only?

Muun is bitcoin-only; Trust Wallet supports other assets too. Bitcoin alongside Ethereum, Solana and hundreds of other chains and tokens

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

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