I don't know if I need custodial or non-custodial.
Non-custodial puts key control with users and is cheaper to build; custodial means you hold keys and carry heavy compliance and liability. We scope the right model to your product and risk appetite.
Crypto Wallet Development
Crypto Wallet Development Company
Build a non-custodial, multi-chain, or MPC wallet with swaps, staking, NFT and dApp support—audited, secure, and shipped as a mobile app, browser extension, or white-label product.
NDA on request · Senior engineer on the first call · Security quoted up front
11 wks
Fastest multi-chain wallet MVP
6 chains
Typical multi-chain launch scope
28+
Wallets & custody products shipped
MPC
2026-standard key architecture
Where founders get stuck
Real concerns, answered before you commit
Seed phrases terrify my mainstream users.
We can build MPC key architecture that splits the key into shares so no single device holds the whole key—removing the single point of failure of seed phrases, the 2026 standard for custodial and institutional wallets.
Security costs are vague and I'm worried about liability.
Security is 15–30% of a wallet budget—audits, encryption, key management, and KYC/AML for custodial. We quote it explicitly and architect clear backup and recovery UX so liability is understood up front.
Every extra blockchain seems to blow up the cost.
Each chain adds real cost—roughly $3K–$8K for EVM and $10K–$25K for Solana or Cosmos. We launch with the chains your users actually use and add more as demand proves out.
I don't want to pay for an extension and apps I don't need yet.
We help you prioritize platforms—a browser extension, native iOS/Android, or cross-platform—so you ship the surface your core user journey needs first, then expand.
What we build
What we build into a wallet
Non-custodial key management
Secure key generation, encrypted storage, and clear backup and recovery UX so users hold their own keys without losing funds to bad design.
MPC & custodial architecture
Multi-party computation key sharing and, where needed, custodial infrastructure with KYC/AML for institutional-grade wallets.
Multi-chain balances & transfers
Send, receive, and view balances across EVM chains, Solana, and more, with each integration added deliberately as demand grows.
Swaps & staking
In-wallet token swaps and staking with revenue-ready spreads and commissions, integrated with DEX and staking providers.
NFT & dApp browser
NFT storage and viewing plus a dApp browser and WalletConnect support so users interact with Web3 directly from the wallet.
Extension & mobile apps
Browser-extension and native iOS/Android apps that sync, built cross-platform when budget favors it, with biometric security.
How we deliver
A clear, milestone-based delivery process
01
Discovery & model fit
We decide custodial vs non-custodial vs MPC, which chains and features matter, and which platforms to ship—then lock scope and a fixed quote.
02
Security & key architecture
Key management, encryption, recovery UX, and—for custodial—KYC/AML are designed first, because they shape everything downstream.
03
Core wallet engineering
We build send/receive, multi-chain balances, swaps, staking, and NFT and dApp support against real security requirements, not just demos.
04
Security audit & hardening
Independent audit, encryption and key-management review, and penetration testing before users hold real funds.
05
Beta & device testing
We run a closed beta across extension and mobile, validating backups, recovery, and transactions under real-world conditions.
06
Launch & operate
Go-live with monitoring and a clear ongoing budget for node hosting, re-audits, and OS/SDK migrations so the wallet stays reliable.
Revenue model
How crypto wallets make money
We help you design monetization that fits a wallet without compromising user trust or self-custody.
Swap spread
A small spread or fee on in-wallet token swaps routed through integrated DEX liquidity.
Staking commission
A commission on staking and earn products offered inside the wallet.
Premium features
Subscriptions or one-off fees for advanced features, higher limits, or pro tooling.
Fiat on-ramp revenue share
A share of fees from integrated fiat on- and off-ramp providers.
White-label licensing
Licensing your wallet infrastructure to other businesses under their brand.
Pricing & timelines
Crypto wallet development cost (2026)
Indicative ranges blended from current market data. Your fixed-scope quote is set after a short discovery call.
White-label wallet
$10K–$60K
2–8 weeks
Pre-built wallet infrastructure with your branding and core features—the fastest way to test a market or ship an add-on wallet.
Best for: Speed and market testing with limited customization.
Basic non-custodial wallet
$25K–$60K
2–4 months
A custom non-custodial wallet with send/receive, balances, and core security on a focused set of chains.
Best for: Founders launching their own self-custody wallet.
Mid-tier multi-currency wallet
$60K–$150K
4–7 months
Multi-chain balances, biometrics, in-wallet swaps, and staking with audited security and a polished mobile experience.
Best for: Products that need swaps, staking, and broad chain support.
Advanced / enterprise wallet
$150K–$300K+
7–12+ months
Advanced multi-chain DeFi wallet or enterprise custodial platform with MPC, KYC/AML, and institutional-grade controls.
Best for: Custodial platforms and distinctive DeFi/NFT wallets.
A MetaMask-style multi-chain wallet with swaps and dApp browsing typically runs $80K–$250K+. Security is 15–30% of the budget, each added chain costs roughly $3K–$8K (EVM) to $10K–$25K (Solana/Cosmos), and a browser extension adds $15K–$50K. Plan 15–25% of build cost annually for upkeep. Final pricing is fixed after discovery.
Stack, security & chains
- React Native / Flutter
- Browser-extension frameworks
- MPC key management
- Secure enclave & biometrics
- EVM chains
- Solana
- WalletConnect
- DEX swap & staking APIs
- Fiat on/off-ramp providers
Why teams choose Marshall
Security quoted, not skipped
Audits, encryption, key management, and KYC/AML for custodial wallets are explicit line items—never excluded to make a quote look cheaper.
MPC and recovery done right
We build MPC key sharing and clear backup and recovery UX so users aren't one lost seed phrase away from losing everything.
Chains added deliberately
We launch with the chains your users actually use and quote each additional network, so you don't pay for reach you don't need yet.
Honest about liability
We're clear about who is responsible for funds in custodial versus non-custodial designs and architect UX and compliance accordingly.
Proof
Representative outcomes
Wallet · Australia
Institutional Wallet Suite
6 chains · 11 weeks
Non-custodial mobile wallet with MPC recovery, biometric auth, and enterprise policy controls.
“MPC recovery without seed phrases was the differentiator our users needed. App Store approval on first submission.”
FAQ
Crypto wallet development FAQs
How much does it cost to build a crypto wallet?
A basic non-custodial wallet costs $25,000–$60,000, a mid-tier multi-currency wallet with biometrics and swaps $60,000–$150,000, an advanced multi-chain or DeFi wallet $150,000–$300,000, and an enterprise custodial platform with KYC/AML and MPC $300,000+.
How long does crypto wallet development take?
A basic MVP wallet takes about 2–4 months (8–12 weeks), a mid-tier wallet 4–7 months, and an advanced multi-chain or enterprise wallet 7–12+ months. Security, compliance, and the number of chains supported drive the timeline.
What's the difference between custodial and non-custodial wallets?
In a non-custodial wallet, the user holds their private keys and fully controls funds, like MetaMask. In a custodial wallet, the provider holds the keys, like an exchange wallet, which requires heavy compliance and security but offers easier recovery. Non-custodial is generally cheaper to build.
How much does it cost to build a wallet like MetaMask?
A MetaMask-style wallet with multi-chain support, browser-extension compatibility, token swaps, and DeFi and dApp browsing typically costs $80,000–$250,000+, depending on features and security depth.
What is an MPC wallet?
An MPC (multi-party computation) wallet splits the private key into shares held by different parties, so no single device ever holds the full key. It removes the single point of failure of seed phrases and is the 2026 standard for custodial and institutional wallets.
What's the most expensive part of building a wallet?
Security. It is 15–30% of the budget, covering audits, encryption, key management, and, for custodial wallets, KYC/AML compliance. Adding blockchains is the next big driver, at roughly $5,000–$25,000 per network.
How many blockchains should my wallet support at launch?
Start with the chains your target users actually use—often a couple of EVM chains plus one high-traffic non-EVM chain. Each integration adds cost, roughly $3,000–$8,000 for EVM and $10,000–$25,000 for Solana or Cosmos, so add chains as demand proves out.
What features can a crypto wallet have?
Send and receive, multi-chain balances, token swaps, staking, NFT storage and viewing, a dApp browser, fiat on- and off-ramps, biometric security, an address book, transaction history, and push notifications. Each feature adds cost, so prioritize by your core user journey.
White-label vs custom wallet — which is right for me?
White-label wallets launch in 2–8 weeks for $10,000–$60,000 using pre-built infrastructure, ideal for speed and market testing. Custom wallets, $80,000–$400,000+, suit distinctive DeFi and NFT products and full branding control. Many start white-label and customize later.
What ongoing costs does a wallet have?
Plan for 15–25% of build cost annually: node and RPC hosting, security updates and re-audits, regulatory upkeep for custodial wallets, and OS and SDK migrations for mobile apps.
Is it safe to build a crypto wallet, and who is liable for lost funds?
A well-architected non-custodial wallet puts key control with the user, so they bear recovery responsibility; the build must still be audited to avoid bugs. Custodial wallets place custody, and heavy liability and compliance, on the operator. Security architecture and clear UX around backups are critical either way.
Can you build a wallet as a browser extension and mobile app?
Yes. A browser extension typically costs $15,000–$50,000 and native iOS and Android apps $20,000–$80,000 each, with cross-platform via React Native or Flutter being cheaper. Most modern wallets ship both an extension and mobile apps that sync.
Last updated: June 2026
Ready to scope your crypto wallet development build?
Get a transparent, fixed-scope quote with a realistic timeline, security plan, and first-year cost breakdown—no obligation, senior engineer on the first call.