# THORWallet True DeFi at Your Fingertips **THORWallet** is a **non-custodial, multi-chain wallet** built for true DeFi users. Designed to offer **maximum asset sovereignty** and a seamless user experience across mobile and web.\ THORWallet enables you to **swap native Layer 1 assets across chains instantly and securely without wrapping, bridging, or giving up custody.** ### 🔁 **Best-in-Class Swaps – No Wrapping, No Bridges** * **⚡ True Cross-Chain Swaps:** Swap real BTC ↔ ETH, ETH ↔ LTC, BNB ↔ BCH, and more directly across chains. * **💸 Gasless EVM-to-EVM Swaps:** Enjoy seamless, fee-abstracted swaps between EVM chains like Ethereum and Arbitrum with zero gas payments from the user. * **🔁 Swap Native Coins, Not IOUs:** Unlike most DEXs, we swap **unwrapped assets**—no synthetic tokens, no bridges. ### 🌟 Additional Features * **💳 THORWallet Mastercard:** Spend your crypto anywhere with a free Swiss IBAN, low fees, and Apple/Google Pay support. * **📈 Fiat On/Off-Ramp:** Buy crypto directly with your bank card or cash out to fiat in a few taps, learn more about it in [here.](/fiat-on-off-ramp) * 💰 **Liquidity Pooling:** Deposit Native assets into cross-chain pools and earn real yield from native on-chain swap fees. * 🔐 **Vaults:** A new standard of multi-signature wallets , learn more about it in [here.](/vaults) * **🎮 Gamification:** Earn rewards through app-based missions, quests. # TGT token Utility token ## **What is TGT? (THORWallet Governance Token)** TGT is THORWallet's utility token. As a token holder, you can unlock special features such as lower trading fees and participate in the governance process.

### **Multi-Utility Token** $TGT serves multiple purposes. 50% of the revenue from THORWallet will be used to burn $TGT, reducing its supply and increasing its value. ### **Staking $TGT** Staking $TGT provides premium benefits within THORWallet, such as free trading (no affiliate fees), the ability to set limit orders, access to multi-wallet options, and more. Additionally, $TGT functions as a governance token, granting you the right to vote on referendums to shape the future of the app. ### **Node Operation** If our treasury reaches a sufficient size, we plan to run a full THORChain node in Switzerland to further decentralize and strengthen the ecosystem. A portion of the net profits from this operation will be used to burn $TGT. ### **Community Programs & Gamification** Through gamified missions, we aim to help you stay on top of your finances with token incentives while also fostering community growth. ## **Additional Sources** [**Tokenomics**](https://docs.google.com/spreadsheets/d/1tQvZFyuRVEDfPQQ5nwb-3wseRWGwBzFZ8-wg73At_gc/edit#gid=0) [**CoinGecko**](https://www.coingecko.com/en/coins/thorwallet-dex) [**Contract address**](https://etherscan.io/token/0x108a850856db3f85d0269a2693d896b394c80325)
# TITN token THORWallet's Utility token **$TITN** is the new utility token powering the next phase of **THORWallet.** It is designed to replace the legacy $TGT token as part of a strategic upgrade aimed at expanding THORWallet's capabilities, improving tokenomics, and enhancing long-term sustainability.

$TITN will serve as the **core utility token** of the THORWallet ecosystem. It enables: * **Exclusive access to FRR (Fee Return Rewards)**: 70% of DeFi swap fees redistributed to $TITN stakers in USDC * Swap fee **discounts** on native cross-chain swaps (BTC, ETH, ATOM, SOL, etc.) and in a near future perpetuals * Gamified quests and raffles with on-chain rewards > **TITN Will be tradable on Binance , Gate and Aerodrome (DEX)** ### 🔸 Key Tokenomics * **Max Supply**: 1 billion $TITN tokens * **Initial Valuation**: $100M FDV at launch * **Migration Ratio**: 1 $TITN per 2.66 $TGT (during the first 3 months) * **Chain**: **Base** * **Tokenomics ->** [**📊**](https://coinmarketcap.com/currencies/thorwallet-titn/#token_unlocks) **learn more about the token migration in** [**here.**](https://medium.com/@thorwallet/thorwallets-migration-to-titn-505b7ff96fd3) **More about the TITN TGE in** [**here.**](https://medium.com/@thorwallet/titn-token-is-listing-on-worlds-premier-exchanges-6242cec4b451) *** ## $TITN — Frequently Asked Questions (FAQ) ### 🔄 What is happening to $TGT? THORWallet is merging **$TGT → $TITN** to launch a new, utility token aligned with our product and long-term growth. The merge began **July 25, 2025**. ### 📈 Why did THORWallet create $TITN? $TITN lets THORWallet relaunch in a stronger market, pursue CEX/DEX listings, and ship upgraded, sustainable tokenomics shaped by lessons from $TGT. ### 🧮 What’s the merge ratio from $TGT → $TITN? * **First 3 months (until Oct 25, 2025):** **2.66 TGT = 1 TITN** (fixed). * **Months 4–12:** ratio **decreases linearly to 0** by **July 25, 2026**. ### ⏳ What are my options when I merge? You have **two** paths in the web app: 1. **Merge, Withdraw & Stake:** Swap TGT→TITN on **Arbitrum**, bridge TITN → **Base**, then **stake** on Base for **USDC rewards**. 2. **Merge, Stay & Receive Extra Allocation:** Leave your TITN in the **merge contract** up to 12 months to earn a share of **unclaimed TITN** (you can exit anytime; leaving early forfeits the extra). ### 🛠️ What chains are involved? * **TGT** currently lives on **Ethereum** and **Arbitrum**, but you must **bridge TGT to Arbitrum** to merge. * **TITN** is **multi-chain**; after merging on Arbitrum, you **bridge TITN to Base** to stake. ### 💰 What rewards do TITN stakers get? Currently, **TITN stakers earn USDC cashback** sourced from THORWallet’s protocol revenue. At present, **50% of the revenue** is distributed to stakers. Once $TITN becomes **tradable on exchanges**, this share will **increase to 70%** ### 🧭 Step-by-step: How do I merge via the web app? follow the official guide in [here.](https://thorwallet.medium.com/thorwallets-migration-to-titn-505b7ff96fd3) ### 🧠 What is the “extra allocation” if I stay in the merge contract? At the end of 12 months, **unclaimed TITN** in the contract is distributed **pro-rata** to addresses that **stayed for the full period** (partial withdrawals are allowed, but only the portion that stayed full-term qualifies; exiting early forfeits the bonus for the exited amount). ### 🪙 Do I need to unstake old TGT first? * **TGT staking on Arbitrum has been discontinued.**\ Please **withdraw your TGT** and merge it into **$TITN**. After merging, you can stake TITN on **Base** to start earning **USDC cashback rewards**. This process can be done seamlessly from both the **web app** and **mobile app**. * If you still have **TGT staked on Ethereum (V1 contract)**, you can **withdraw it directly from** [**here.**](https://app.thorwallet.org/withdraw-tgt-eth) # Community Tiers THORWallet Community Tiers are membership levels based on the amount of **$TITN staked** or by holding a [**THORWallet Army NFT**.](/thorwallet/thorwallet-army) The higher your stake (or higher rank of NFT), the more benefits you unlock across the THORWallet ecosystem. | Tier | Stake Requirement | Trading Fee | Rewards & Extras | | ------------------ | ----------------- | ----------- | --------------------------------------------------------------------------------------------------------------------------------------------- | | **Standard** | 0 $TITN | 1.25% |

🏦 Free Swiss bank account (CHF, EUR, USD)

💳 Free Mastercard

💵 FRR (Fee Return Rewards)

🎁 Monthly Silver Mystery Box

🏦 + 💳 Banking perks included

💵 FRR (Fee Return Rewards)

🥇 Monthly Gold Mystery Box

🎟️ Monthly Golden Ticket

🏦 + 💳 Banking perks included

| ### 📊 Volume Discounts | 💵 Transaction Size | 🟢 Standard Fee | 🔵 Community Fee | 🟣 Community Plus Fee | | ------------------- | --------------- | ---------------- | --------------------- | | < $100 | \~ 0.0% | \~ 0.0% | \~ 0.0% | | $100 – $50,000 | 1.25% | 0.5% | 0.2% | | $50,000 – $500k | 0.6% | 0.4% | 0.18% | | > $500,000 | 0.4% | 0.2% | 0.16% | | | | | | # THORWallet Army Our special NFT collection that unlocks special features in THORWallet DEX The [**THORWallet Army NFT**](/thorwallet/thorwallet-army) is a utility-based collection designed to provide members with enhanced benefits within THORWallet. By holding an NFT, users gain access to **reduced fees, premium app features, and tiered membership recognition**. Ranks within the Army (Soldier, General, Commander) represent different levels of rarity and prestige, strengthening both community identity and user engagement. It consists of 20 Commanders, 200 Generals, and 2000 Soldiers that unlock unique premium features in the THORWallet app/website.

### 🪖 THORWallet Army NFT Perks Holding a **THORWallet Army NFT** grants special **fee discounts** and access to premium features, similar to community tiers — but with **even better affiliate fee rates**: | Rank | Benefits Level | Affiliate Fee 👥 | | --------------- | -------------------- | ------------------------------------- | | 🪖 **Soldier** | Community Tier perks | **0.3%** (vs. 0.5% in Community) | | 🎖️ **General** | Community Plus perks | **0.1%** (vs. 0.2% in Community Plus) | | ⭐ **Commander** | Community Plus perks | **0.0%** (no affiliate fee at all) | # Products **THORWallet delivers a full-suite DeFi experience across mobile and web platforms, empowering users to trade, earn, and manage crypto assets securely and efficiently.** ## 🛠️ Core Products * **Mobile App**\ Intuitive, secure, and built for everyday DeFi users. Access native cross-chain swaps, yield opportunities, vaults, Mastercard, and more—all from your phone.\ 📲 [Download the app](https://thorwallet.app.link/boN7sAhOWmb) * **Web App** \ A powerful non-custodial Web App for seamless cross-chain swaps, token management, staking, and more.\ Supports **Ledger**, **WalletConnect**, and multiple other Wallets.\ 🌐 [Launch Web App](https://app.thorwallet.org/swap) * **THORWallet Mastercard** \ A global crypto debit card with a Swiss IBAN, low fees, and Apple/Google Pay integration.\ ➡️ [Learn more](/thorwallet-iban-mastercard) # Swaps Get an overview of the Swaps feature in THORWallet. Learn how to exchange assets across different blockchains seamlessly and efficiently. THORWallet enables you to swap crypto assets easily — across different chains, ecosystems, and wallets — with **no bridges, no wrapping**, and **no technical complexity**. Whether you're swapping Bitcoin for Ethereum, moving stablecoins between EVM chains, or trading tokens on Solana — **THORWallet handles all the routing and execution in the background**. No bridges. No wrapping. No stress. #### ⚙️ How It Works THORWallet integrates multiple swap routes to give you **the best price and experience**, depending on what you're swapping: ### 💡 What Makes THORWallet Swaps Unique? * **Cross-chain & cross-ecosystem support**\ Swap across BTC, Ethereum, Solana, Cosmos, BNB Chain, Avalanche, Arbitrum, Polygon, and more. * **Route-agnostic execution**\ THORWallet selects the **best route for you** automatically based on price, fees, speed, and asset support. * **Self-custody, always**\ You stay in control of your funds at all times — no third parties or custodial risks. * **No wrapping, no bridging**\ Swap native assets directly without needing to wrap tokens or use risky bridges. * **Gasless swaps (for select assets)**\ Thanks to Unizen integration, some EVM swaps can be **fully gasless**, making them faster and cheaper. ### 🔎 Swap Types You Can Perform | Swap Type | Description | Example | | -------------------------- | ----------------------------------------------- | --------------------------------------------- | | **Cross-Chain Swaps** | Native-to-native asset swaps across blockchains | BTC → ETH, ATOM → AVAX | | **EVM-to-EVM Cross Swaps** | Move tokens between different EVM networks | USDC (BNB) → ETH (Arbitrum) | | **Same-Chain Swaps** | Swap tokens within the same blockchain | ETH → USDC (Ethereum), MATIC → AAVE (Polygon) | | **Solana Swaps** | Swap SPL tokens on Solana | SOL → RAY | ### ✅ No Need to Choose a Route You don’t need to manually select a route like THORChain or Unizen — **THORWallet DEX automatically picks the most efficient one** based on: * Best price * Lowest fees * Asset availability * Fastest execution # FAQ's Swaps #### 1. **How Long Does It Take For A Swap To Execute?**
Swaps typically take a **few minutes** to complete. However, larger swap amounts or **network congestion** may lead to **delays** in processing. Thorwallet supports **multiple swap routes**. When you tap on the **“Routes” or “Paths”** option before confirming the swap, you can: * See the **estimated time** for each swap route * Understand which route is being used (e.g., streaming vs. standard) * Choose an alternate route if available > ⏱ The **estimated completion time** for the selected route is also shown on the **swap preview** screen.

#### 2. **What Is Slippage Tolerance?** Imagine you’re making a swap: you select the assets and amount, then confirm the transaction at 12:00. However, there is a delay, and the transaction is executed at 12:01. During this time, the price of the assets can fluctuate significantly, which is where slippage tolerance becomes important. Slippage tolerance allows you to set a maximum price difference you’re willing to accept for the transaction. If the price changes more than your set tolerance, the transaction will not be completed and will be reversed. Our app includes an automatic slippage function, but you can customize your slippage tolerance by clicking the gear icon in the upper right corner (see screenshots below).

#### 3. What Are Swapping Fees? When you swap assets in THORWallet, several types of fees may apply. These can vary depending on the **swap route** used and the **assets involved**. **💸 Types of Fees You May Encounter:** * **Network/Transaction Fees:**\ These are paid to the blockchain networks and can fluctuate depending on traffic and the chain being used. * **Swap Route Fees:**\ Each route has its own fee structure, which may include trading, liquidity, or relayer fees. The total cost depends on the route selected for your specific swap. * **Affiliate / Platform Fee:**\ A small fee may be applied by THORWallet DEX based on your **community tier or NFT status**, typically ranging from **0% to 1%** **🔍 How Are Fees Displayed?** Before you confirm a swap, THORWallet: * Automatically selects the **most efficient route** available. * Shows you a **breakdown of all estimated fees**. * Allows you to review and compare options when multiple routes are available.

selected route by the app
can click on it to check the
alternatives.

In the swap preview page click
on the **fee total** to get the
breakdown

# Streaming Swaps Streaming Swaps break a swap into smaller parts for execution, making large trades more viable. If you're making a **larger swap**, Thorwallet will automatically choose the **best route** to maximize your output * For large swaps, the app may automatically use a **streaming swap**, which helps reduce slippage and improve results. * You can tap on the **“Routes” or “Paths”** option to: * View details about the selected route * Compare alternative paths * Manually switch routes based on your preference > 💡 By default, the app picks the most efficient route for your swap. By using Streaming Swaps, users will incur very low slippage fees for larger swaps, though the process may be time-consuming. Depending on the swap size and selected parameters (e.g., number of sub-swaps, block swap interval), it could take a few hours for the swap to complete. Example of a streaming swap:

**More on Streaming Swaps:**\ \ [Introducing Streaming Swaps](https://medium.com/thorchain/introducing-streaming-swaps-eff37f6150f3) **Streaming Swaps** can be tracked in [Thorscanner](https://www.thorscanner.org/) and the [Nine Realms Tracker](https://track.ninerealms.com/). # Swap Routes Try it out in here -> [💻](https://tw-swap-demo.vercel.app/)

# Vaults Vaults in THORWallet are a new standard of **multi-signature** wallets created by[ Vultisig](https://docs.vultisig.com/), integrated into Thorwallet for enhanced security. There are two types of vaults: **Hot Vaults** and **Cold Vaults**. These vaults offer advanced protection by requiring multiple signatures to authorize transactions > ### **How do Hot Vaults work?** > > In a Hot Vault, you have two vault shares: > > * User-side share: Stored on your device. > * Server-side share: Stored on the server (sent to you via email as backup). > > When using Fast Sign in Hot Vaults, your device signs the transaction (user-side share), and the server automatically signs it (server-side share). If the server is offline, you can import the server-side share (sent via email) onto another device and perform a paired sign to complete the transaction ### Hot Vault Working {% embed url="" %} *** ### Hot Vault Creation Guide {% embed url="" %} {% hint style="danger" %} **All backup files of each device should be stored in separate locations to protect your assets. This ensures that even if one location is compromised, your assets remain secure!** {% endhint %} # Cold Vaults > Cold Vaults are server-independent and utilize a m of n signing rule, which means you can configure multiple devices for the vault (e.g., 3 devices). In this case, at least 2 devices must sign the transaction before it can be broadcast. Each device has its own unique vault share, which should be stored securely in separate locations. > > The vaults will be a m-of-n threshold, where m is at least 2/3rds of n, and no maximum number of n devices. The more devices you use, the longer it will take to process any transactions. {% hint style="success" %} **You can add as many devices as you want when setting up a Cold Vault. For example, if you set up the vault with 3 devices, 2 out of 3 devices (67% threshold) will be required to sign the transaction before it can be broadcasted.** {% endhint %} ### Cold Vault Working {% embed url="" %} ### Cold Vault Creation Guide {% embed url="" fullWidth="false" %} # Liquidity pooling Learn about liquidity pooling in THORWallet. Understand how to provide liquidity and earn rewards. A liquidity provider is a stakeholder that provides liquidity (a liquidity pair) into a pool that is needed to run a decentralized exchange. He gets rewarded with a share of the trading fees generated with that pool which is reflected in the APR. At THORChain a liquidity provider has two options for how to provide liquidity: symmetrical or asymmetrical. \ ‍\ Symmetrical means 50% Rune and 50% the asset you've chosen. Asymmetrical means 100% in your chosen asset. It is important to note that if you provide liquidity asymmetrical, a swap is pursued in the back, which leads to a symmetrical allocation anyway. \ ‍\ This means a liquidity provider is always exposed to two assets: Rune and your chosen asset. The APR is earned on both of those assets and auto-compounded in the pool. {% hint style="info" %} Mayachain also follows the same mechanics as Thorchain for liquidity pooling.\ Instead of Rune, Asset is paired with [CACAO](https://www.mayaprotocol.com/). {% endhint %} # Risks associated with LP Understanding the risks associated with Pooling assets on THORChain/Mayachain pools. When providing liquidity on either THORChain or MayaChain, it's important to understand the associated risks: 1. **Liquidity Pooling Risks**: On both THORChain and MayaChain, your deposit is balanced into a 50:50 ratio (RUNE or CACAO). This means you’re exposed to the price action of both assets in the pool, which carries the risk of impermanent loss. 2. **Impermanent Loss**: This occurs when the price ratio between the two assets changes, affecting your overall return. If the price ratio of (RUNE) decreases, liquidity providers (LPs) might face negative APR, leading to losses. Conversely, if the ratio increases, LPs could see higher profits. 3. **Leverage Risk**: Due to synthetic assets on THORChain, your liquidity position is leveraged based on the price ratio of (RUNE). This leverage can amplify both gains and losses. 4. **Security Risks**: While THORChain implements numerous security measures to minimize hacking risks, no protocol is entirely immune to security threats. For more information about liquidity pooling, check out these resources: * [Understanding THORChain Liquidity Providers](https://docs.thorchain.org/understanding-thorchain/roles/liquidity-providers) * [Being a Liquidity Provider on THORChain](https://crypto-university.medium.com/thorchain-being-a-liquidity-provider-81522a1a673c) * [Price Exposure vs. Impermanent Loss in Asymmetrical LPing](https://crypto-university.medium.com/distinguishing-between-price-exposure-and-impermanent-loss-in-asymmetrical-lping-f3fcd0e84887) * [Under the Hood: Liquidity Pool APR](https://crypto-university.medium.com/under-the-hood-liquidity-pool-apr-3e5e662e6675) {% hint style="info" %} Impermanent Loss Protection (ILP) has been completely deprecated on THORChain. However, MayaChain still offers ILP and does not use synthetic assets. {% endhint %} ### Impermanet Loss Impermanent loss (IL) happens when you [provide liquidity to a liquidity pool](/how-to-guides/how-to-provide-liquidity), and the price of your deposited assets changes compared to when you deposited them. The bigger this change is, the more you are exposed to impermanent loss. In this case, the loss means less dollar value at the time of withdrawal than at the time of deposit. # Impermanent Loss Protection Impermanent loss protection(ILP) designed to counter Impermanent loss while pooling assets. {% hint style="warning" %} Impermanent Loss Protection (ILP) has been completely deprecated on THORChain. However, MayaChain continues to offer ILP at a rate of 1% per day. {% endhint %} **ILP on MayaChain**: * **ILP** coverage begins on the 50th day after entering the pool. * **If ASSET outperforms CACAO**, full ILP coverage is achieved after 150 days (50 days from the initial deposit plus 100 days in the pool). * **If CACAO outperforms ASSET**, full ILP coverage is achieved after 450 days (50 days from the initial deposit plus 400 days in the pool). For example, if you deposit $1,000 worth of ASSET and CACAO into the pool, you will be able to withdraw at least $1,000 worth of ASSET and CACAO after 150 days, regardless of the pool's performance or the price action of the assets (assuming ASSET outperforms CACAO). {% hint style="info" %} For more details on ILP on MayaChain, check out this resource: [Impermanent Loss Protection (ILP) on MayaChain](https://docs.mayaprotocol.com/deep-dive/how-it-works/impermanent-loss-protection-ilp) {% endhint %} ### Liquidity Pooling Strategies Explore these common[ LP strategies](https://discord.com/channels/818198163776733245/823845894591741952) to optimize your approach: * **Basic LP Scenarios**: Learn about fundamental liquidity provider strategies in the Thorchain University Discord. ### Custody During Liquidity Providing Yes, the assets are transferred to [THORChain](https://www.thorchain.com/)’s/[Mayachain](https://www.mayaprotocol.com/)'s address/vaults on-chain but only your address (private key) can redeem the asset back. All code is open-sourced, and is audited multiple times. You can either audit the code yourself, or trust the community who have pored over the code; to make sure the above points are correct. # Earn Stake, lend supported assets through integrated on-chain protocols — and earn real yield directly inside THORWallet. #### 💡 Overview The **Earn** feature enables users to generate passive income by connecting directly to **on-chain yield protocols** across multiple networks.\ Depending on the token, rewards come from: * **Validator staking** on native networks * **Liquid staking** via decentralized staking protocols * **Lending** through integrated DeFi money markets. 🔁 **Non-Stablecoins** | Token | Type | Yield Source | | -------- | -------------- | ------------------------------------------- | | **RUJI** | Liquid Staking | via Rujira Network (auto-compound strategy) | | **SUI** | Liquid Staking | via Aftermath Finance | | **XLM** | Lending | via Blend (Stellar) protocol | #### 💵 **Stablecoins** | Token | Type | Yield Source | | -------- | ------- | ---------------------------- | | **USDC** | Lending | via Blend (Stellar) protocol | 🧬 **RUJI Liquid Staking** Rujira Network is an **App Layer** built on THORChain, distributing **real, protocol-generated revenue** to **RUJI stakers**. THORWallet integrates Rujira’s **auto-compound strategy**, which automatically restakes earned rewards and issues **sRUJI** — a **liquid staking derivative (LSD)** that represents your continuously compounding staked position. learn more [here.](https://docs.rujira.network/strategies#ruji) 🌊 **SUI Liquid Staking** **Aftermath Finance** enables SUI holders to earn staking rewards **while keeping their tokens usable across DeFi** through **`afSUI`**, a fully decentralized liquid staking derivative built after the adoption of **SIP-6** on the Sui network. learn more [here.](https://docs.aftermath.finance/liquid-staking/afsui) * When staking via Aftermath, users **delegate to any validator of their choice** — preserving decentralization. * The protocol mints **`afSUI`**, a 1-to-1 liquid representation of staked SUI at the current exchange rate. * Each 24-hour **Epoch** updates the `afSUI ↔ SUI` exchange rate as rewards compound. * Upon unstaking, users receive their **principal + accrued rewards.** 💵 **USDC & XLM — Lending (via Blend on Stellar)** **Blend** is Stellar’s native lending market connecting lenders and borrowers through smart-contract pools. THORWallet integrates Blend directly, allowing users to earn passive income without leaving the app. Learn more about it in [here.](https://docs.blend.capital/users/lending-borrowing/lending)
# Perps Perpetuals Trading Powered by dYdX

**Perpetuals** (often called **Perps**) are derivative instruments that mirror the price of real assets — allowing users to **go long or short** with **leverage** on the price movement of an asset. While leverage amplifies potential gains, it also increases risk. To bring decentralized perpetual trading directly to its users, **THORWallet** has partnered with **dYdX**, one of the leading decentralized perpetual protocols in the industry. #### 💼 What Are Perpetual Contracts? Unlike traditional futures, **perpetual contracts have no expiry date**. This means traders can hold positions for as long as they wish, adjusting leverage or closing trades anytime.\ They are ideal for: * **Speculative trading** on price movements * **Hedging** existing crypto portfolios * **Executing advanced strategies** without spot exposure #### 🚀 Perpetual Trading in THORWallet Through this integration, THORWallet users can now access **perpetual markets** directly from the app — without giving up **self-custody** or switching platforms. **Key Highlights:** * 🔗 **Seamless access** to perpetual trading inside the THORWallet app * ⚡ **Deep liquidity & ultra-fast execution** powered by dYdX’s decentralized infrastructure * 🔒 **Full self-custody** — users maintain control of their funds at all times * 🌐 **200+ perpetual markets** across leading crypto assets * 🔁 **Cross-chain convenience** — trade from the same wallet that supports BTC, ETH, SOL, and more {% hint style="warning" %} Perpetuals trading is available in select regions and subject to local regulations. Perpetuals trading involves significant risk. Conduct your own research and exercise proper risk management. {% endhint %} # THORWallet Card THORWallet offers a new global Mastercard card experience directly within the app. The THORWallet Card allows users to spend with a virtual or physical Mastercard, top up with USDC, and use their card globally across supported countries. The card is designed for everyday crypto spending, with fast onboarding, zero USDC top-up fees, competitive FX fees, cashback on selected plans, and 24/7 in-app support 🌍 The THORWallet Card is available in 175+ countries, including the US. 💵 Users can top up the card with USDC. ✅ THORWallet does not charge a USDC top-up fee. 📱 A virtual Mastercard is available directly in the mobile app. 💳 Physical Mastercard access is available depending on the selected plan. 🛒 The card can be used for online payments, subscriptions, travel, and everyday purchases wherever Mastercard is accepted. ⭐ Premium users can access lower FX fees, higher limits, cashback, and priority support. 🚀 $TITN stakers receive higher cashback benefits. {% hint style="info" %} 📍 Card availability depends on the user’s country of residence, verification status, and applicable eligibility requirements. {% endhint %} #### THORWallet Card Plans THORWallet offers different card plans with different benefits, limits, and fees. Users can start with the free Basic plan for virtual card access, or upgrade to Premium for lower fees, cashback, higher monthly limits, priority support, and physical card access on request.

Plan	Basic	Premium
Cost	Free	$8.25/month, billed yearly
Cost per year	Free	$99*/year
Card type	Virtual Mastercard	Virtual + Physical Mastercard on request
Physical card	Not included	Available on demand
Cashback	0%	Up to 0.5%*
USDC top-up fee	0%	0%
FX fee markup	1.5%	0.5%
ATM withdrawal markup*	$1 + 0.95%	$1 + 0.65%
Monthly limit	$12,500*	$1,000,000
24/7 in-app chat support	Standard	Priority
Availability	170+ countries, including the US	170+ countries, including the US
Additional benefits	-	Higher cashback for eligible $TITN stakers

{% hint style="info" icon="dollar-sign" %} **Note:** Basic users receive an initial monthly card limit of $12,500 after completing the standard verification required during card setup. If a user reaches or exceeds this limit, they may be prompted in the app to complete an additional questionnaire to request higher limits. Once the additional review is completed and approved, the Basic card limits can be increased to match the Premium card limits. {% endhint %} #### Transaction Limits | Transaction Type | Basic | Premium | | ------------------- | -------: | ---------: | | POS per transaction | $25,000 | $100,000 | | POS daily limit | $62,500 | $500,000 | | POS monthly limit | $125,000 | $1,000,000 | | ATM per transaction | $3,125 | $2,500 | | ATM daily limit | $12,500 | $12,500 | | ATM monthly limit | $25,000 | $60,000 | #### Cashback and Rewards 💸 **Premium users** can earn cashback based on their monthly card spend. The cashback percentage increases as the user’s monthly spend increases. | Spend Tier | Monthly Spend | Cashback | | ---------- | ------------: | -------: | | Tier 1 | $0 – $100 | 1.0% | | Tier 2 | $100 – $500 | 1.5% | | Tier 3 | $500 – $1,000 | 1.75% | | Tier 4 | $1,000+ | 2.0% | Cashback rewards are also subject to a monthly cap based on the user’s $TITN staking tier. | Stake Tier | Requirement | Monthly Cashback Cap | | ---------- | ---------------------: | -------------------: | | Standard | No staking requirement | $5 | | Community | 10,000 $TITN | $10 | | Community+ | 100,000 $TITN | $15 | > ### 🌍 **Available Countries** > > 🇦🇫 Afghanistan, 🇦🇱 Albania, 🇦🇩 Andorra, 🇦🇮 Anguilla, 🇦🇬 Antigua & Barbuda, 🇦🇷 Argentina, 🇦🇲 Armenia, 🇦🇼 Aruba, 🇦🇺 Australia, 🇦🇹 Austria, 🇦🇿 Azerbaijan, 🇧🇸 Bahamas, 🇧🇭 Bahrain, 🇧🇩 Bangladesh, 🇧🇧 Barbados, 🇧🇪 Belgium, 🇧🇿 Belize, 🇧🇯 Benin, 🇧🇲 Bermuda, 🇧🇦 Bosnia and Herzegovina, 🇧🇼 Botswana, 🇧🇳 Brunei, 🇧🇮 Burundi, 🇰🇭 Cambodia, 🇨🇦 Canada, 🇰🇾 Cayman Islands, 🇨🇫 Central African Republic, 🇹🇩 Chad, 🇨🇱 Chile, 🇨🇳 China, 🇨🇴 Colombia, 🇰🇲 Comoros, 🇨🇷 Costa Rica, 🇭🇷 Croatia, 🇨🇺 Cuba, 🇨🇼 Curaçao, 🇨🇾 Cyprus, 🇨🇿 Czech Republic, 🇩🇰 Denmark, 🇩🇯 Djibouti, 🇩🇲 Dominica, 🇩🇴 Dominican Republic, 🇪🇨 Ecuador, 🇪🇬 Egypt, 🇸🇻 El Salvador, 🇬🇶 Equatorial Guinea, 🇪🇷 Eritrea, 🇪🇪 Estonia, 🇸🇿 Eswatini, 🇪🇹 Ethiopia, 🇫🇯 Fiji, 🇫🇮 Finland, 🇫🇷 France, 🇬🇦 Gabon, 🇬🇲 Gambia, 🇬🇪 Georgia, 🇩🇪 Germany, 🇬🇭 Ghana, 🇬🇮 Gibraltar, 🇬🇷 Greece, 🇬🇩 Grenada, 🇬🇬 Guernsey, 🇬🇳 Guinea, 🇬🇼 Guinea-Bissau, 🇬🇾 Guyana, 🇭🇳 Honduras, 🇭🇰 Hong Kong, 🇭🇺 Hungary, 🇮🇸 Iceland, 🇮🇳 India, 🇮🇩 Indonesia, 🇮🇶 Iraq, 🇮🇪 Ireland, 🇮🇲 Isle of Man, 🇮🇱 Israel, 🇮🇹 Italy, 🇯🇲 Jamaica, 🇯🇵 Japan, 🇯🇪 Jersey, 🇯🇴 Jordan, 🇰🇿 Kazakhstan, 🇰🇮 Kiribati, 🇽🇰 Kosovo, 🇰🇼 Kuwait, 🇰🇬 Kyrgyzstan, 🇱🇻 Latvia, 🇱🇸 Lesotho, 🇱🇷 Liberia, 🇱🇾 Libya, 🇱🇮 Liechtenstein, 🇱🇹 Lithuania, 🇱🇺 Luxembourg, 🇲🇴 Macao, 🇲🇬 Madagascar, 🇲🇾 Malaysia, 🇲🇻 Maldives, 🇲🇱 Mali, 🇲🇹 Malta, 🇲🇭 Marshall Islands, 🇲🇷 Mauritania, 🇲🇺 Mauritius, 🇲🇽 Mexico, 🇫🇲 Micronesia, 🇲🇩 Moldova, 🇲🇳 Mongolia, 🇲🇪 Montenegro, 🇲🇸 Montserrat, 🇲🇦 Morocco, 🇳🇷 Nauru, 🇳🇱 Netherlands, 🇳🇿 New Zealand, 🇳🇮 Nicaragua, 🇳🇺 Niue, 🇲🇰 North Macedonia, 🇳🇴 Norway, 🇵🇰 Pakistan, 🇵🇼 Palau, 🇵🇦 Panama, 🇵🇬 Papua New Guinea, 🇵🇾 Paraguay, 🇵🇪 Peru, 🇵🇭 Philippines, 🇵🇱 Poland, 🇵🇹 Portugal, 🇵🇷 Puerto Rico, 🇶🇦 Qatar, 🇨🇬 Republic of the Congo, 🇷🇴 Romania, 🇷🇼 Rwanda, 🇰🇳 Saint Kitts and Nevis, 🇱🇨 Saint Lucia, 🇻🇨 Saint Vincent and the Grenadines, 🇸🇲 San Marino, 🇸🇹 São Tomé and Príncipe, 🇸🇦 Saudi Arabia, 🇸🇳 Senegal, 🇷🇸 Serbia, 🇸🇨 Seychelles, 🇸🇱 Sierra Leone, 🇸🇬 Singapore, 🇸🇰 Slovakia, 🇸🇮 Slovenia, 🇸🇧 Solomon Islands, 🇸🇴 Somalia, 🇪🇸 Spain, 🇱🇰 Sri Lanka, 🇸🇩 Sudan, 🇸🇷 Suriname, 🇸🇪 Sweden, 🇨🇭 Switzerland, 🇹🇼 Taiwan, 🇹🇯 Tajikistan, 🇹🇿 Tanzania, 🇹🇭 Thailand, 🇹🇱 Timor-Leste, 🇹🇬 Togo, 🇹🇴 Tonga, 🇹🇹 Trinidad and Tobago, 🇹🇳 Tunisia, 🇹🇷 Turkey, 🇹🇲 Turkmenistan, 🇹🇨 Turks and Caicos Islands, 🇹🇻 Tuvalu, 🇺🇬 Uganda, 🇺🇦 Ukraine, 🇦🇪 United Arab Emirates, 🇬🇧 United Kingdom, 🇺🇸 United States, 🇺🇾 Uruguay, 🇺🇿 Uzbekistan, 🇻🇺 Vanuatu, 🇻🇦 Vatican City, 🇿🇲 Zambia, and 🇿🇼 Zimbabwe. {% hint style="warning" %} The new THORWallet Card is separate from the existing [THORWallet Mastercard and IBAN product](/thorwallet-iban-mastercard). The new card is designed to offer broader global availability, easier onboarding, lower FX and top-up fees, and cashback benefits for Premium tier users. Users can have both products at the same time, as long as they are eligible for each product based on country availability, and verification requirements. {% endhint %} # THORWallet IBAN / Mastercard THORWallet offers a **Swiss IBAN** and a **global debit Mastercard** within the app. The Mastercard is a multi-currency debit card, allowing users to spend their crypto directly at any merchant that accepts Mastercard. With monthly limits of up to 1M EUR, it provides a seamless way to use crypto for everyday purchases. The card supports payments in USD, EUR, CHF, and RMB, making it a versatile option for international transactions. * 🔐 **KYC is mandatory** to access banking services and is verified by the **Fiat24 team**. * 🛡️ **THORWallet does not store or access your KYC or personal data**. * 🌍 **Swiss IBAN** is available in 50**+ countries**. * 💳 **THORWallet Mastercard**: * 📱 Virtual card issued via the **mobile app**. * 🍎📲 Can be added to **Apple Pay** and **Google Pay**. * 🌐 Usable worldwide for both online and in-store payments. * 💱 Supports multiple base currencies: **USD, CHF, EUR, and RMB**. * 🧾 Automatically debits the corresponding currency account within the app. * 💸 Account top-up options: * 🪙 **USDC (Arbitrum)** * 🔁 **Other crypto assets** * 🏦 **Direct bank transfer** * ⚡ Easily **swap to USDC (Arbitrum)** within the app for seamless funding. ### 🏦 THORWallet Card Tiers THORWallet offers three card tiers with different benefits, limits, and fees. Users can upgrade for lower fees and higher spending limits. The **Standard Card** is free and available directly in the app, while **Gold** and **Platinum** tiers require a one-time sign-up fee. **📊 Card Tier Comparison**

Tier	Crypto Top-up & FX Fee	Bank Limit/month	Card Limit/month	Card Limit/day	Sign-up Fee
🆓 Standard	1%	$100,000	$20,000	$10,000	Free
🟡 Gold	0.5%	$1,000,000	$200,000	$100,000	1.5 ETH (from ~~3 ETH~~)
⚪️ Platinum	0.25%	$10,000,000	$200,000	$100,000	15 ETH (from ~~30 ETH~~)

> #### 🌍 **Country-Based Limits for Standard Tier** > > 🟢 **$100,000 Monthly Limit:**\ > Australia 🇦🇺, Austria 🇦🇹, Belgium 🇧🇪, Brazil 🇧🇷, Bulgaria 🇧🇬, Canada 🇨🇦, China 🇨🇳, Croatia 🇭🇷, Cyprus 🇨🇾, Czech Republic 🇨🇿, Denmark 🇩🇰, Estonia 🇪🇪, Faroe Islands 🇫🇴, Finland 🇫🇮, France 🇫🇷, Germany 🇩🇪, Greece 🇬🇷, Hong Kong 🇭🇰, Hungary 🇭🇺, Iceland 🇮🇸, Ireland 🇮🇪, Italy 🇮🇹, Japan 🇯🇵, South Korea 🇰🇷, Latvia 🇱🇻, Liechtenstein 🇱🇮, Lithuania 🇱🇹, Luxembourg 🇱🇺, Netherlands 🇳🇱, New Zealand 🇳🇿, Norway 🇳🇴, Poland 🇵🇱, Portugal 🇵🇹, Réunion 🇷🇪, Romania 🇷🇴, Singapore 🇸🇬, Slovakia 🇸🇰, Slovenia 🇸🇮, Spain 🇪🇸, Svalbard & Jan Mayen 🇸🇯, Sweden 🇸🇪, Switzerland 🇨🇭, Taiwan 🇹🇼, United Kingdom 🇬🇧, Åland Islands 🇦🇽 > > 🔴 **$1,000 Monthly Limit:**\ > Andorra 🇦🇩, Argentina 🇦🇷, Armenia 🇦🇲, Costa Rica 🇨🇷, Dominica 🇩🇲, Dominican Republic 🇩🇴, Malaysia 🇲🇾, Mexico 🇲🇽, North Macedonia 🇲🇰, Turkey 🇹🇷, Uruguay 🇺🇾, Bangladesh 🇧🇩, Chile 🇨🇱, Colombia 🇨🇴, Georgia 🇬🇪, India 🇮🇳, Indonesia 🇮🇩, Peru 🇵🇪, San Marino 🇸🇲, Thailand 🇹🇭. > > **⬆️ Higher monthly and daily limits are available with upgraded card tiers (Gold or Platinum).** {% hint style="success" %} **Note:** The 🇨🇭 Swiss IBAN and 💳 THORWallet Mastercard can **only be accessed and managed via the THORWallet mobile app**. These features are **not available** on the web app. {% endhint %} # Raffle Game

We have introduced a new gamification feature designed to make using the wallet more fun, rewarding, and community-driven. With this new addition, our users can join fun, fair, and engaging raffles for a chance to win a share of the prize pool — simply by staying active on THORWallet. Active THORWallet users can participate **at no cost**, turning regular wallet usage into an opportunity to earn rewards. ### 👾 The Game A new raffle is held every **two weeks**. At the end of each cycle, winners from the previous raffle are announced before the next one begins. The prize pot starts in **USDC** (base) and is not random — it’s a share of fees generated by THORWallet. The more activity on the platform, the bigger the pool grows. USDC is just the beginning. Once $TITN completes its TGE, the whole game will be powered by TITN. ⚡️ Each raffle has **ten winners**, with rewards distributed as follows: **1st place — 40% of the pot** **2nd place — 25%** **3rd place — 15%** **4th place — 7%** **5th place — 3%** **6th — 10th place — 2% each** After the **TGE of Titan ($TITN)**, the prize pool will be paid entirely in TITN instead of USDC — adding another layer of utility to the token. Similarly, the **in-game shop currency** will also shift to TITN post-TGE. ### 🙋‍♂️ **Participation** Users can join raffles by collecting **tickets**, which are earned via the **spin wheel** — a central part of the game. * **Daily free spin** for all users. * Additional spins can be purchased in the shop using **sparks**. **Sparks** ⚡ can be earned through: * Completing daily and weekly tasks. * Playing the mini tap game (available every 2 hours, rewarding 3 sparks per session, enough for 1 spin). * More games will be added as we go ### 🛒 The Shop The shop is where users can **boost their chances** of winning by enabling items that enhance ticket earnings and raffle participation. Items include: * 📦 **Mystery Boxes** (Silver & Gold) — Contain random rewards like free spins, sparks, or spin multipliers. All users get one Silver Box at the start; **Community+** members get both types monthly. * 🎫 **Golden Ticket** — Doubles the number of tickets a user sends into a raffle (1 max at a time). * 🧪 **Boosters** — Double sparks earned from quests or mini games (valid for 24 hours, 2 max at a time). * 🔢 **Spin Multipliers** — Multiply tickets earned from spins (stackable twice, valid for 24 hours). * ⚡ **Sparks** — Can also be purchased directly to buy more spins. \ Purchases currently use **Cacao** and **Rune** tokens. Once TITN is tradable, **all store purchases will be in TITN**, giving the token even more utility.
#### 🎲 The Degen Game **Degen Game**, where you can **select any number of tickets you hold** and **test your fortune**. If luck is on your side, you’ll **win double your tickets**. Simple, fast, and fun. The Degen Game adds an extra thrill for those who love a quick challenge. {% hint style="success" %} Purchased items must be **activated** from your inventory to be used. {% endhint %} {% hint style="warning" %} ***Disclaimer*** *This feature is designed for entertainment and community engagement only. No purchase is required to participate, and no real-money gambling takes place. USDC payouts are limited to a temporary testing phase. Once our utility token $TITN is fully launched, all rewards will be paid in $TITN. The system is not operated for profit and does not generate direct revenue. THORWallet reserves the right to modify, suspend, or change any part of the game, rules, or rewards at any time. THORWallet is not a casino.* [*Terms & Conditions* ](https://docs.google.com/document/u/1/d/e/2PACX-1vS6Q0K0_ltPMvVuHRcq2osTa0lj41xmPxcfVDiPdswSL2nrJLIY0JP58aMnp_5G0cWPueAzd6n8QTnJ/pub)*apply.* {% endhint %} # Fiat On/Off-Ramp THORWallet provides seamless fiat on-ramp and off-ramp services through integrations with **MoonPay** and **Mt Pelerin**, enabling users to buy and sell cryptocurrencies directly within the mobile app.

Currencies available for purchase in THORWallet may differ.

### Fiat On-Ramp Services * **MoonPay**: Enables users to purchase cryptocurrencies using various fiat currencies. The availability of services varies by region; users should verify support in their specific country. * **Mt Pelerin**: Allows crypto purchases with multiple fiat currencies. Services are available in numerous countries, except for residents of certain restricted regions. When using the "Buy" option in the THORWallet mobile app, the platform automatically selects the optimal service based on the user's input fiat currency to ensure the best transaction experience.

### Fiat Off-Ramp Services In select countries, **Mt Pelerin and MoonPay** facilitates the sale of cryptocurrencies, allowing users to withdraw funds directly to their bank accounts through the THORWallet app. > ### 🌏 Mt Pelerin supported countries > > **Users from all countries can use crypto buy/sell services, except US and Russian persons, and residents of:** > > Afghanistan, Belarus, Burkina Faso, Burundi, Central African Republic, Cuba, Democratic Republic of the Congo, Guinea, Guinea-Bissau, Haiti, Iran, Iraq, Lebanon, Libya, Mainland China (Hong Kong and Taiwan accepted), Mali, Myanmar, Nicaragua, North Korea, Romania, Russia, Somalia, Sudan, South Sudan, Syria, Venezuela, Yemen, Zimbabwe. > ### 🌍 MoonPay Supported Countries > > MoonPay is supported in over 140 countries: > > **Afghanistan, Albania, Algeria, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belarus, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei Darussalam, Burkina Faso, Burundi, Cabo Verde, Cambodia, Cameroon, Canada, Cayman Islands, Central African Republic, Chad, Chile, China, Colombia, Comoros, Congo, Costa Rica, Côte d'Ivoire, Cuba, Democratic Republic of the Congo, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Fiji, Gabon, Gambia, Georgia, Ghana, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hong Kong, Iceland, India, Indonesia, Iran, Iraq, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Lao People's Democratic Republic, Lebanon, Lesotho, Libya, Liberia, North Korea, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Mongolia, Montenegro, Morocco, Mozambique, Myanmar, Namibia, Nauru, Nepal, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Qatar, Romania, Russian Federation, Rwanda, Saint Kitts and Nevis, Saint Lucia, Samoa, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Solomon Islands, Somalia, South Africa, South Sudan, Sri Lanka, St. Vincent & Grenadines, Sudan, Suriname, Syrian Arab Republic, Taiwan, Tajikistan, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Turkey, Tuvalu, Uganda, Ukraine, United Arab Emirates, United Kingdom Overseas Territory, United Republic of Tanzania, Uruguay, Uzbekistan, Vanuatu, Venezuela, Vietnam, Virgin Islands, Western Sahara, Yemen, Zambia, Zimbabwe.** # TCY Learn about Thorhain's Yield token. TCY stands for **THORChain Yield** a new token introduced on the THORChain network as part of a recovery plan following issues in [early 2025. ](https://medium.com/thorchain/thorfi-unwind-96b46dff72c0) In simple terms, TCY is an **equity-like token** that gives holders a share of THORChain’s future revenues. It was created specifically to address the collapse of THORChain’s ThorFi services [(Lending and Savers vault ](https://medium.com/thorchain/tcy-launch-d48bb63cfc4e)) that occurred in January 2025. Instead of a one-time payout, TCY converts the debt owed to users into a token that **earns yield from the network over time**, **ten percent** of all THORChain system income (fees and block rewards) is allocated to TCY holders as yield. #### Claiming If you had funds in THORChain’s Savers vaults, an active ThorFi loan, or held THORChain synthetic assets when the system was halted in January 2025, **you are likely eligible to claim TCY .**TCY is **not automatically airdropped** to you, it must be claimed manually , there is no timeframe for TCY claiming. If you are eligible to claim TCY , a banner would pop-up on your home screen (similar to the below). Follow the flow of the Interface after tapping on the banner to claim the TCY. {% hint style="warning" %} TCY is automatically staked at Claim , go to the earn tab to view your position {% endhint %} ![](/files/9dVqIXTabHhTxWs0yfhh)
# FAQ's FAQ's answered regarding THORWallet. ### 1. What Is A Seed Phrase? A seed phrase is a string of 12 to 24 words generated by a crypto wallet that allows you to restore access to your funds. {% hint style="info" %} Also known as a mnemonic phrase, it serves as a security measure for self-custodied digital assets {% endhint %} ### 2. Does THORWallet DEX know or store my seed phrase? **No.** THORWallet is a non-custodial wallet, meaning your seed phrase is generated and stored locally on your device. THORWallet has no access to your seed phrase or private keys. If you lose your seed phrase, **we cannot help recover your funds**. ### 3. Is my THORWallet Army NFT activated in the app? Simply transfer your THORWallet NFT to your main ethereum address. It will be automatically detected. You can see that your NFT is activated by clicking on "NFT" option on the home screen.

### 4. Does THORWallet DEX own my coins? THORWallet DEX is a non-custodial wallet, meaning you have full control over your own funds. Your coins are stored with you, so it's crucial to keep your wallet’s seed phrase in a safe place. {% hint style="danger" %} We do not have access to your seed phrase and cannot assist if it is lost. {% endhint %} ### **5. What are EVM's?** EVM stands for Ethereum Virtual Machine, a software environment that executes smart contracts on the Ethereum blockchain. EVM compatibility means that a blockchain can support the EVM, enabling it to run Ethereum smart contracts. This allows developers to write and deploy the same smart contracts across multiple EVM-compatible blockchains without needing to make major changes to their code. BSC, AVALANCHE, FANTOM, and ARBITRUM are examples of EVM-compatible blockchains. {% hint style="info" %} All EVM-compatible blockchains use the same address format {% endhint %} ### 6. Can I use THORWallet anywhere in the world? THORWallet is available globally, but **certain features like the crypto card or fiat on/off-ramp may be limited** in some countries due to regulatory restrictions. Refer to the [Fiat Services page ](/fiat-on-off-ramp)for supported regions. ### 7. What happens if I lose access to my device? As long as you’ve backed up your **12-word seed phrase**, you can **restore your wallet on any device** using that phrase. If you did not back it up, there’s unfortunately **no way to recover your wallet** or funds. ### 8. Can I use THORWallet on desktop? Yes! You can access THORWallet through the [Web App](https://app.thorwallet.org/swap), which supports **Ledger hardware wallets**, **WalletConnect**, and multiple EVM wallets. ### 9. What are Vaults in THORWallet? Vaults in THORWallet are a new standard of multi-signature wallets created by[ Vultisig](https://docs.vultisig.com/), integrated into Thorwallet for enhanced security. There are two types of vaults: Hot Vaults and Cold Vaults. These vaults offer advanced protection by requiring multiple signatures to authorize transactions. learn more about vaults in [here.](/vaults) ### 10. Can I connect THORWallet to DeFi platforms? Yes, THORWallet supports WalletConnect, allowing you to seamlessly connect and interact with various DeFi protocols directly from the app. However, in many cases, this isn't even necessary—THORWallet brings the best of DeFi directly to you, with built-in swaps, lending, staking, and more, all in one powerful superapp. ### 11. What are community tiers? THORWallet Community Tiers are membership levels based on the amount of $TITN staked by holding a THORWallet Army NFT. The more $TITN you stake, the higher your tier, unlocking exclusive benefits within the ecosystem. **Key Benefits of Community Tiers:** * Lower transaction fees for higher-tier users. * Access to premium features within THORWallet. * Increased rewards for completing missions. ### 12. What blockchains does THORWallet support? THORWallet supports multiple major blockchains, including * Bitcoin (BTC) * Ethereum (ETH) & ERC-20 tokens * Binance Smart Chain (BSC) & BEP-20 tokens * Solana (SOL) & SPL tokens * SUI * THORChain (RUNE) * Dogecoin (DOGE) * Cosmos (ATOM) * Base * Maya * Arbitrum * Avalanche * Bitcoin Cash * Litecoin * Dash * Kujira * Stellar Lumens (XLM) ### 12. Are there any fees for adding or withdrawing liquidity? Yes, mainly there are **network fees** and **affiliate fee.** * **Add Liquidity:**
You’ll pay **network gas fees** (e.g., ETH, BTC, etc.) when transferring your asset into the pool. * An **affiliate fee** is also taken from the **deposited asset** itself. * For **Layer 1 assets** (like BTC, ETH, BNB), the network fee is paid using the **same asset**. * For **tokens** (e.g., ERC-20 tokens on Ethereum), you’ll need to have **native ETH** in your wallet to cover the gas fees. > 💡 Make sure you have a small amount of the native token on each network to successfully complete liquidity actions. * **Withdraw Liquidity:** You’ll also pay **network fees** when **withdrawing** your assets from the pool — just like when adding liquidity. * The **same logic applies**: * **Layer 1 assets** pay the fee in the asset itself. * **Tokens** require the native gas token (e.g., ETH for ERC-20 tokens). * ✅ **No affiliate fee** is charged during withdrawals. > 🔁 Always ensure you have enough native gas tokens to cover withdrawal fees. ### 13. How can I contact THORWallet customer support? Users can contact THORWallet customer support through our Discord server. The server link is available in the in-app menu for easy access.
# How to? / Guides New to THORWallet? This guide provides everything you need to get started, from installation to using the app's features. Perfect for beginners and those needing a refresher. # Getting Started Guide ### How to Set Up Your Wallet on THORWallet DEX If you haven't installed the app yet, check our [How to install THORWallet DEX](/how-to-guides/how-to-install-thorwallet-dex) #### Step 1: Security Check When you open the app for the first time, you'll be greeted with a **Security Check**. This process runs every time the app is opened to ensure that [THORChain’s](https://www.thorchain.com) third-party services are functioning correctly. After the Security Check is complete, you’ll see the following screen: * Click **"Get Started."** * Review and accept the Terms of Service (TOS). * Click **"Continue."**

#### Step 2: Set Up Your Password * Next, you'll need to set up a password. You have two options: * **PIN** or * **Alphanumeric password.** This password will be required each time you open the app and will be used to authenticate transactions.

#### Step 3: Create or Import a Wallet On the following screen, you'll have the option to either: * **Create a new wallet** or * **Import an existing wallet** (using a seed phrase from another Web3 wallet like MetaMask, Trust Wallet, etc.). For this guide, we’ll create a new wallet: 1. Click **"Create Wallet."**

#### Step 4: Backup Your Seed Phrase The app will generate a **seed phrase** for your wallet. This phrase is crucial because it is used to recover your wallet if you uninstall the app or need to import it into another Web3 wallet. **Important:** * Your seed phrase is what protects your funds. * **Never** share it with anyone, either online or offline, and do not display it in front of a camera. * Store it in a secure location, such as on paper or a flash drive.

#### Step 5: Enter Referral Code (Optional) After backing up your seed phrase, the app will ask for a **Referral Code**. If you have one, you can enter it here, or find one here. You can also skip this step and proceed without a code.

#### Step 6: Enable Biometrics (Optional) You will be prompted to set up biometric authentication (e.g., fingerprint or face recognition). You can choose to enable or disable this feature based on your preference.

#### Step 7: Finalize Setup That’s it! Once you click **"Get Started"** on the next page, your wallet is created and fully functional. From here, you can explore the app’s features, including: * **Swaps** * **Receiving & Sending funds** * **Providing Liquidity**

# Getting started Guide This guide walks you through the process of setting up **Thorwallet** for the first time. ### 📱 Step 1: Create a New Wallet When you launch Thorwallet for the first time, you'll be prompted with options to either create or import a wallet. 👉 Tap **“Create Wallet”** to generate a brand new, secure wallet.

{% hint style="info" %} If you already have an existing wallet (seed phrase or multisig vault with vault shares) , select the "Import Wallet" and follow the flow shown in the app. {% endhint %} ### 🧑‍💻 Step 2: Set a Secure Passcode In this step, you'll be prompted to create a **6-digit passcode**.\ This passcode is essential for protecting your wallet — it will be required every time you: * Open the app * Approve transactions

### 🔧 Step 3: Select the Setup Option You'll now be presented with different wallet setup options. 👉 Choose the **first option** "Seed Phrase Wallet"

{% hint style="info" %} Here, we're selecting the **standard seed phrase wallet** to set up a regular wallet. 👉 To set up a **multisig wallet**, choose the **second option** and refer to the [**Vaults** page](/vaults) for setup instructions. {% endhint %} ### 👨 Step 4: Enable Biometrics (Optional) On this screen, you can choose to **enable biometric authentication** for added convenience. If enabled, you’ll be able to use your device’s **biometrics (e.g. Face ID or fingerprint)** or your passcode to: * Unlock the app * Approve transactions

### 📝 Step 5: Backup Your Seed Phrase After the wallet is created, you'll see a prompt to secure your account. 👉 Tap the **message shown** to view and back up your **seed phrase**. 🔒 **Important**: Write it down and store it securely offline.\ Do **not** share it — this is your only way to recover your wallet.

That’s it! You’ve successfully set up your THORWallet. # How To Install THORWallet DEX detailed guide install and set up thorwallet on android and IOS. This guide will show you how to install the THORWallet DEX app on an iPhone. The app is also available for Android users via Google Play. You can install the app directly from the App Store, just like any other app. Alternatively, if you'd like early access to the latest features, you can install it using **TestFlight**. Follow this guide to learn how to install THORWallet DEX through **TestFlight**.\ \ Option 1: Standard Installation (App Store) 1. Open the **App Store** on your iPhone. 2. Search for **THORWallet DEX** and tap **Download**. 3. Once installed, the app icon will appear on your home screen, and you’re ready to start! {% hint style="info" %} If you need help setting up your wallet after installation, check out our [Getting Started Guide](/how-to-guides/getting-started-guide) {% endhint %} #### Option 2: Beta Installation (TestFlight) To access new features as soon as they’re available, you can install THORWallet DEX using **TestFlight**, which provides early access to beta versions of apps. 1. **Install TestFlight**: * Open the **App Store** and search for **TestFlight**. * Tap **Download** and install the TestFlight app. 2. **Download THORWallet DEX via TestFlight**: * Go to [www.thorwallet.org](http://www.thorwallet.org) and click the **"Download on the App Store"** button. * You’ll be redirected to the TestFlight app. * From there, tap **Install** to download the THORWallet DEX app.\

Click to download the TestFlight version

3. **Launch the App**: * Once installed, the app will appear on your home screen with a small orange dot in the lower-left corner. This indicates that the app is in beta and was installed via TestFlight.

You’re all set! You can now explore the app. If you're unsure how to set up your wallet, refer to our Getting Started Guide. #### Official Links * **iOS App Store:** [Download THORWallet DeFi - Crypto Wallet](https://apps.apple.com/us/app/thorwallet-defi-crypto-wallet/id1592064324?pt=123646390\&ct=LinkTree\&mt=8) * **iOS TestFlight:** [Join THORWallet Beta on TestFlight](https://testflight.apple.com/join/f5LW68I8) * **Android Google Play:** [Download THORWallet on Google Play](https://play.google.com/store/apps/details?id=defisuisse.thorwallet) # Restoring Wallet With A Seed Phrase #### 1. Reinstalling the App If you've deleted the app and are setting it up again, follow these steps to restore your wallet: 1. **Click on "Import Wallet"** when you reach the initial setup screen. 2. Follow the on-screen instructions in the app. 3. If you'd like to add multiple wallets (multiwallet feature), click on the **"Wallet Name"** (e.g., "My Wallet") at the top left of the page. 4. Select **"Import"**. 5. Enter your seed phrase on the next page and click **"Add Wallet"**. 6. Your wallet will now be restored and added to the app. You can switch between wallets by clicking on the **Wallet Name/Icon** in the top left corner.

#### 2. Adding a Wallet (Multiwallet Feature) If you already have a wallet in the app and want to import an additional one, follow these steps: 1. Click on the **Wallet Name** (e.g., "My Wallet") at the top left of the screen. 2. Select **"Import"**. 3. Enter your seed phrase and click **"Add Wallet"** to import it. You can now switch between multiple wallets as needed.

{% hint style="info" %} #### Important: Multiwallet Feature The Multiwallet feature is a premium option available to users in the **Community** or **Community Plus** tiers. To learn more about the different tiers and their benefits, check out our [Tier Guide.](broken://pages/mqk3IguQCPv1tNbjzxVF) If you're not in the **Community** or **Community Plus** tier, importing a new wallet will replace your existing wallet in the app. {% endhint %} *** # How to Receive Funds? In the app, go to the **Wallet** page and tap on the asset you wish to receive (for example $TGT)

* On the next screen, click on **Receive**. From here, you can either scan the QR code or copy the wallet address to share it.

**Note: to receive any ERC-20 token or ERC-721/115 (NFT's ) you can just send it to your native Ethereum address** {% hint style="success" %} 💡 **Note:**\ All **EVM-compatible chains** (such as Ethereum, BNB Smart Chain, Avalanche, and others) share the **same wallet address** format.\ If you're receiving native assets or tokens on these chains, you can **use your Ethereum (ETH) address** — it's the same for all of them. {% endhint %}

{% hint style="success" %} **Note:**\ **No memo is required** when receiving assets on any chain using **Thorwallet**. {% endhint %} # How to Make A Swap? 1. On the **Wallet** page in the app, tap on the asset you want to swap (in this example, ETH), then click on **Swap**. 2. Enter the amount you wish to swap and select the asset you want to swap to (e.g., swapping ETH for RUNE).

3. You can adjust the **Slippage Tolerance** by clicking the cogwheel in the upper-right corner, but this step is optional. The app features a built-in auto slippage function and selects the best path for your swap. If you'd like to explore other paths, simply click on **More Paths** to view alternatives.

3. Click **Preview Swap** to check the estimated fees for the transaction.

3. Finalize the swap by clicking **Swap Now**. A confirmation window will appear.

3. You should receive the swapped asset within a **few seconds to a few minutes**.\ The exact timing depends on the **asset type** and **network congestion**.\ For more details on swap duration, check out our [Swaps FAQ.](/swaps/faqs-swaps) # How to verify a token contract? One of the key security features we've implemented is the ability to quickly verify a token's contract. Here’s how to do it step-by-step. #### 1. Verifying the Token To verify a token’s contract address: 1. **Go to the asset page** of the token you want to verify. 2. **Copy the contract address** shown on the screen. 3. Tap **"Explore"** on the same page. 4. **Paste the contract address** into the block explorer to view full contract details. 📌 In this example, **KISHU** is an ERC-20 token on Ethereum — so tapping "Explore" opens **Etherscan** automatically.

#### 3. Navigating EtherScan * On the EtherScan page, locate and click the blue token name in the **Token Tracker** window (highlighted in a red rectangle in the image below).

#### 4. Checking the Token Overview This will take you to the **Token Overview** page, where you can verify that you are dealing with the correct token, not an imposter. Here’s what to look for: * **Number of Token Holders**: Check the left side (red rectangle) to see the number of token holders. A legitimate token usually has a large and diversified number of holders. * **Profile Summary**: Check the right side (red rectangle) for the token’s contract address, website link, and social media profiles. This is crucial to ensure you're interacting with the correct token.

#### 5. Inspecting the "Holders" Tab Clicking on the **"Holders"** tab in the table reveals additional insights: * Be cautious if most of the token supply is concentrated in a few addresses. While this alone doesn’t prove a token is fake, **a high concentration (90% or more)** in very few addresses is a potential red flag.

#### 6. Additional Verification Tips For some well-known tokens, EtherScan may already show a **verified check mark** in the profile summary. While this is a good sign, it’s still important to verify further.

\ Make sure the contract address matches the one listed on trusted platforms like [**CoinGecko**](https://www.coingecko.com) or [**CoinMarketCap**](https://coinmarketcap.com). Verifying the contract address ensures you’re interacting with the real token, not an imposter.

{% hint style="success" %} By following these steps, you can confidently verify that you’re handling the legitimate token and not a fraudulent one. {% endhint %} # How to deposit assets to Saver Vaults? Depositing assets into Saver Vaults allows you to earn passive income on your crypto holdings. Follow these steps to make a deposit using the mobile app: #### 1. Navigate to the "Earn" Tab * On the app's home screen, tap on the **"Earn"** tab located at the bottom.

#### 2. Select "Savers Vaults" * In the **Earn** section, click on the **"Savers Vault"** option. * Choose the asset you wish to deposit into the vault (e.g., AVAX in this case).

#### 3. Enter the Deposit Amount * On the asset page, enter the amount you want to deposit. * After entering the amount, tap **"Continue"**.

#### 4. Review and Confirm the Transaction * On the next screen, review the details of your deposit. * Once everything looks good, click on **"Deposit Now"** to complete the transaction.

#### 5. Transaction Confirmation * Your transaction will be broadcasted and should complete within a few seconds. * To view your deposit, go to the **Earn** tab, then **Savers Vault -> Your Assets** to check your positions.

# How to withdraw from Saver Vaults? Withdrawing assets from Saver Vaults is a straightforward process. Follow these steps to retrieve your deposited assets: #### 1. Navigate to Your Saver Vault Positions * Open the app and go to the **Earn** tab. * Select **Savers Vault -> Your Assets** to view your current vault positions.

#### 2. Choose the Asset to Withdraw * Click on the asset from which you want to withdraw funds. * Enter the amount you'd like to withdraw and tap **"Continue"**.

#### 3. Review and Confirm the Withdrawal * On the next screen, review the transaction details carefully. * When you're ready, click **"Withdraw Savers"** to initiate the withdrawal.

#### 4. Transaction Completion * Your withdrawal transaction will be broadcasted, and you will receive the asset within a few minutes. However, depending on network congestion and the outbound queue, some transactions may take longer to complete.

# How to Provide Liquidity? Detailed guide on how to provide liquidity in THORWallet. Follow the steps to start providing liquidity and earning yield on THORWallet. ### How to Provide Liquidity Providing liquidity to a pool allows you to earn rewards. Follow these steps to add liquidity using the app: ### 1. Navigate to Liquidity Pools * Open the app and go to the **Earn** tab. * Select **pools** to see the available pools.

### 2. Choose a Pool Browse the list of available pools, each showing its **current APR** and other key details.\ You can **sort or filter** pools based on different criteria (e.g., APR, volume, asset). 👉 Select the pool you want to provide liquidity to — for example, **RUNE** this case.

### 3. Select Deposit Method: Symmetrical or Asymmetrical * Choose whether you want to deposit **Symmetrically** (both assets of the pool) or **Asymmetrically** (a single asset). * For this example, we have selected **Asymmetrical Deposit**. * enter the amount of the asset you want to deposit into the pool. * Once you've set the amount, tap **next.**

### 4. Review and Confirm the Transaction * Review the transaction details carefully on the next screen. * When ready, tap **"Deposit"** to complete the process.

#### 5. Transaction Completion * After the transaction is successfully processed on the network, you’ll receive confirmation. * To view your liquidity positions, go to **Earn -> Pools.**

# How to Withdraw Liquidity? Step-by-Step guide on how to withdraw liquidity THORWallet. Withdrawing liquidity from a pool is simple. Follow these steps to remove your assets: ### 1. Navigate to Your Liquidity Positions * Open the app and go to the **Earn** tab. * Select **Pools** to view all your liquidity positions.

### 2. Select the Pool for Withdrawal * In the **Pools** page, choose the pool from which you'd like to withdraw assets. * Select **Withdraw** on the top right

### 3. Choose the Withdrawal Method * On the Same screen, select your preferred withdrawal method: **Symmetrical** (both assets of the pool) or **Asymmetrical** (a single asset). * **Note**: If you made an asymmetrical deposit, you can only withdraw the asset you originally deposited (e.g., if you deposited BTC, you can only withdraw BTC). * For **Symmetrical** deposits, you can withdraw both assets in the pool.

{% hint style="success" %} In this example, we’re withdrawing **RUNE** from a liquidity pool.\ Since the original deposit was made **asymmetrically** (RUNE only), the withdrawal must also be **asymmetrical** — meaning **RUNE only**. 👉 That’s why the app does **not** show any other withdrawal options. {% endhint %} ### 4. Set the Withdrawal Amount * Enter the amount you'd like to withdraw from the pool. * if you would like to withdraw the whole position click on **max** at the bottom of the screen. * and then click **next**

### 5. Confirm the Withdrawal * Once you're ready, click **Withdraw** to broadcast the transaction.

6\. Transaction Completion * Your transaction will be broadcasted on the network, and you should receive the assets in a few minutes. However, depending on network congestion and the outbound queue, some transactions may take longer.

{% hint style="warning" %} **NOTE:** * If you make an **asymmetrical deposit**, you can only withdraw the liquidity position in the asset you originally deposited (e.g., if you deposit BTC, you can only withdraw BTC). * For **symmetrical deposits**, you can withdraw your liquidity position in both assets of the pool. {% endhint %} # How To Stake $TGT You can stake our multi-utility token, $TGT, to earn 16.44% APR either through our WebApp or directly in the mobile app. Staking not only earns you rewards but also unlocks community tiers with benefits such as reduced swapping and liquidity providing fees. Follow the steps below for a complete guide on staking $TGT. #### Staking with the WebApp 1. **Access the WebApp**: * Open your browser and go to [https://app.thorwallet.org](https://app.thorwallet.org/). 2. **Navigate to Staking**: * In the left-hand menu, click on **"Staking"**. 3. **Connect Your Wallet**: * Make sure you are connected to the wallet that holds your $TGT. Follow any prompts to connect your wallet if you haven’t already.

**Stake Your Tokens**: * Click on **"Stake"**. * Enter the amount of $TGT you wish to stake. You can also use the percentage buttons to quickly select a portion of your balance. * Click **"Preview"** to review the estimated fees. You can customize these fees if needed. * Once you’re satisfied with the details, click **"Stake xxx TGT"** to initiate the staking process. {% hint style="warning" %} Note: if you are staking for the first time, you will also have to approve the staking contract. {% endhint %}

5. **Confirm the Staking**: * On the $TGT asset page, after selecting **"Stake TGT"**, enter the amount you want to stake and click **"Continue"**. * Review the transaction details, including the fees, and then confirm by clicking **"Confirm"** or **"Stake Now"**. 6. **Transaction Complete**: * Once the transaction is confirmed on the network, you will see a confirmation message. Your $TGT tokens are now staked. ## Staking with the Mobile App 1. **Open the Mobile App**: * Launch the app on your mobile device. 2. **Navigate to the $TGT Asset Page**: * Find and select the $TGT token from your assets list.

3. **Initiate Staking**: * Tap **"Stake"** on the $TGT asset page. 4. **Approve Network Fees**: * Approve the network fees required for staking. This may include two transactions: one to approve the staking contract and another to transfer the funds to the staking vault. 5. **Enter the Staking Amount**: * Specify the amount of $TGT you wish to stake and confirm the details.

6. **Complete the Staking**: * After reviewing the transaction details, tap **"Confirm"** or **"Stake"** to finalize the staking process. 7. **Staking Successful**: * Your $TGT tokens are now staked. You can check your staking status on the **"Staking"** page of the app. # How to create a keystore wallet? #### Go to the thorwallet [web app ](https://app.thorwallet.org/)and click connect on the top right corner.

#### Select **"Create Keystore"** dropdown menu.

#### Enter your wallet's seed phrase and create a password for the keystore file. and then click on **Create Keystore.**

#### Save the **Keystore file** (we recommend you to save it in a flash drive) Your keystore wallet/file has been created. You can now connect it to the web app and seamlessly access all of its features using the keystore file/wallet. ## Connecting a Keystore Wallet 1. Go to the THORWallet [web app ](https://app.thorwallet.org/)and click connect on the top right corner. 2. Select keystore as the wallet connection type and then click on **Connect**.

#### Select the keystore file enter the keystore wallet password and then click **"Connect Wallet".**

#### The Keystore wallet is now connected to the web app.

Your keystore wallet has been created. You can now connect it to the web app and seamlessly access all its features using your keystore file. # Wallet Connect Wallet Connect enables you to use your THORWallet app with other defi apps , making the defi managemnt much more simler , for example you can connect your thorwallet app with morpho to manage your lending and borrowing positions.
1.On the home screen click connect 2.select wallet connect 3.open the defi app , you would like to access ,either scan the qr code or copy paste the qr # Features # Buy with Fiat In this FAQ subsection, you can everything important about on/off ramps in THORWallet DEX. ### What is a fiat On/Off-ramp? Fiat on/off ramp is a service that allows you to buy and sell cryptocurrencies using fiat currencies, such as USD, CHF, or EUR.

## Other available On/Off-Ramps ### Mt Pelerin On/Off-Ramp A Swiss based & fully regulated provider of On/Off-Ramp services. NO KYC up to certain limits (see below).

Swiss based & fully regulated on/off ramp without KYC (with limits)

### Fiat currencies available for On- and Off-Ramping {% hint style="success" %} Fiat: AUD, CAD, CHF, EUR, GBP, USD, and [more](https://www.mtpelerin.com/currencies) {% endhint %} ### Cryptocurrencies available for On-Ramping

### Cryptocurrencies available for Off-Ramping

### Pricing

### NO KYC Limits

{% hint style="success" %} Buy crypto without KYC with THORWallet DEX [here](https://app.thorwallet.org/buy) {% endhint %} # THORCash Your new favorite on-ramp crypto service ## THORCash A fully regulated provider of On-Ramp fiat services. Enjoy NO KYC up to certain limits (terms and conditions apply). Purchase times of less than 1 minute. Top-notch UX/UI with 24/7 support. Low fees with no slippage and hidden fees.

Fully regulated on-ramp without KYC (limits apply)

### Fiat currencies available for On-Ramping

### Cryptocurrencies available for On-Ramping

### Payment Methods 1. Debit and Credit Cards (VISA and Mastercard) * The minimum purchase amount is 5 or 10 USD, depending on the cryptocurrency. * The maximum purchase amount is 20,000 USD weekly and/or 50,000 USD monthly. * We recommend choosing your native currency if available to avoid FX fees by your bank, or USD if your currency is not available. 2. Local Payment Methods (coming soon!) 3. Bank Transfers (coming soon!) ### Pricing #### Credit or Debit Card Payments Kindly note that there are 3 types of fees applied for each transaction. 1. For the **first** Credit/Debit card transaction, there is no fee. A fee of 2.49% will be applied starting from the second credit card transaction. 2. For all credit/debit card transactions, the payment processing fee is 4.5% of the amount you wish to spend (USD, EUR, GBP, and JPY), and up to 6.5% for other currencies. * For the amounts below, the fee is flat:\ 5.00 USD - 20.00 USD -> 2 USD * 20.01 USD - 50.00 USD -> 3 USD 3\. Network fee is charged by the miners for confirming transactions on the blockchain. It varies depending on the market demand for specific cryptocurrencies. It is charged per transaction and does not depend on the amount spent. #### Other fees 1. Cash advance fee * Visa and MasterCard decided to consider all cryptocurrency transactions as cash advance transactions. Your bank or card issuer may add an extra fee (up to 5%) for purchasing cryptocurrencies using your credit card. This fee is charged by your bank and THORCash has no control over it. 2. Exchange rate fee * Exchange rate fee is the fee your bank charges for converting your bank account currency into either EUR, USD or GBP. The exchange rate fee is determined by your card issuer. 3. Bank transfer fee * In most cases, banks will apply their commission for transferring funds. Please refer to the "Fees and Charges" section on your bank's website for more information. ### NO KYC Limits {% hint style="success" %} $2000 (most of Europe, US, Canada, and more) or $500 depending on your location. {% endhint %}

{% hint style="info" %} **Buy crypto without KYC with THORWallet DEX** [**here**](https://app.thorwallet.org/buy) {% endhint %} # How to buy & sell crypto with THORWallet DEX? Have a look at our video guide to see how it's done. {% embed url="" %} Video guide {% endembed %} # Savers **Savers Vaults** offer a streamlined way to provide single-asset liquidity on THORChain. Users can deposit native assets like Bitcoin, earn yield in-kind, and withdraw their principal at any time, all while maintaining full control of their keys. With Savers Vaults, you’re only exposed to the price action of a single asset. There’s no need for rebalancing or concern about impermanent loss. Yield is generated from the swap fees and liquidity fees of the specific pool on THORChain. However, be aware that slippage fees apply when entering or withdrawing from Savers Vaults. These fees are based on the size of your deposit or withdrawal relative to the pool's depth.
{% hint style="info" %} **More Resources on Savers** * **THORChain Savers Vaults:** [**Maximize Your Yield with Low Risk**](https://medium.com/thorchain/thorchain-savers-vaults-fc3f086b4057) * **THORChain Savings:** [**How to Earn Yield on Your Assets**](https://docs.thorchain.org/thorchain-finance/savings) * **Behind the Scenes:** [**Single-Sided Yield & Protocol-Owned Liquidity**](https://thorchain-university.medium.com/under-the-hood-single-sided-yield-protocol-owned-liquidity-a5ef725a5d7a) * **Video Guide:** [**Understanding THORChain Savers Vaults**](https://www.youtube.com/watch?v=Up2-arSzH5k) {% endhint %} ### How does Savers work? For example, a user enters the Savers Vault with 1 BTC (native). 1. The native BTC is swapped for an equivalent amount of native RUNE 2. Native RUNE is used right away to mint an equivalent amount of Synth BTC 3. The Synth BTC is locked in the Savers Vault and earns yield. **Once the user decides to leave the pool, the process is as follows:** 1. Synth BTC is removed from the Savers Vault 2. Synth BTC is redeemed for native RUNE 3. Native RUNE is swapped for native BTC and returned to the user {% hint style="success" %} **Available Assets on Saver Vaults:** * BTC * ETH * BNB (BSC/Beacon Chain) * ATOM * DOGE * LTC * BCH * AVAX * USDC (ERC-20/AVAX) * USDT (ERC-20) {% endhint %} **Are Saver Vaults risky?** Of course, there are no free lunches, and Savers Vaults come with their own set of risks. While you’re shielded from traditional CeFi risks, you should be aware of protocol and DeFi risks such as potential bugs, exploits, and governance issues. Additionally, there are specific risks related to the mechanics of Savers Vaults. Chad Barraford, one of THORChain’s core developers, provides an in-depth explanation of these risks here. {% embed url="" %} {% hint style="info" %} To learn more about how savers work, please refer to the given resources [here](broken://pages/E559UdliEfmCvAycPoxj). {% endhint %} # Synthetics Synthetics are a new functionality of the THORChain network. They are derivatives of other coins and tokens (e.g., BTC or DOGE) and are derived from liquidity pools with no risk of impermanent loss. Another unique feature of Synthetics is that they are always backed by 50% of the original asset and 50% RUNE. Every Synthetic is redeemable at a 1:1 ratio with its underlying native version, and you can mint any Synthetic with any asset, such as minting a DOGE Synthetic with native BTC. For more technical details, you can find them here: **Resources on Synthetics:** * [THORChain Synthetic Asset Model](https://docs.thorchain.org/thorchain-finance/synthetic-asset-model) * [Understanding Synthetic Assets](https://crypto-university.medium.com/synthetic-assets-79df3e3af113) ### Benefits Of Synthetics 1\. Because Synthetics are based on [THORChain](https://www.thorchain.com/), they take over the network fees of [THORChain](https://www.thorchain.com/) which can save you a lot of funds (each transaction costs only 0.02 in $RUNE).\ 2\. [THORChain](https://www.thorchain.com/) transactions only take ca. 5 seconds to complete. (there could be a transaction delay)\ 3\. Because you mint a Synthetic with only one asset, you are only exposed to the price fluctuation of one asset, thus avoiding the [Impermanent Loss](broken://pages/oy57o3yaprftG7UH07yb). {% hint style="info" %} **Important note: Synthetics do NOT earn any APY/APR!** {% endhint %} # NFTs NFTs (Non-Fungible Tokens) are uniquely identifiable tokens stored on a blockchain, often representing digital files such as photos, videos, or audio. NFTs can be traded on various marketplaces, such as [OpenSea](https://opensea.io/), [LooksRare](https://looksrare.org/), and others. ### NFTs Supported By THORWallet DEX **One wallet for all your NFTs** Send, receive, and hold your NFTs all in-app. Use wallet connect to interact with your favorite NFT Dapp. {% hint style="success" %} Currently, we are able to display all NFT's that are based on Ethereum and EVM chains (i.e Polygon , Arbitrum etc). {% endhint %} # Products Offering all quality decentralized related! THORWallet offers a range of products designed for both mobile and web app versions. {% hint style="info" %} ## **New to the THORFam?** No matter if you are entirely new to THORWallet or just want to refresh something, this [Getting Started guide](/how-to-guides/getting-started-guide) is going to provide you with everything you need to know. If you do not yet have the app installed, have a look at our [How to install THORWallet ](https://faqs.thorwallet.org/products/mobile-app/how-to-install-thorwallet-dex) guide. {% endhint %} ## [Mobile App]() Similar to a usual DEX but cross-chain with all the features that THORChain and Maya-chain offer ([savers](/features/savers), [liquidity pooling](/liquidity-pooling), [cross-chain swapping](broken://spaces/pEWww5DlVfAgrI99zDaT), etc) ## [Web App](https://app2.thorwallet.org/swap) {% hint style="success" %} Similar to the mobile app, the web app has [THORChain](https://thorchain.com/), [Maya Protocol](https://www.mayaprotocol.com/), and [Rango](https://rango.exchange/) integrated. {% endhint %} ## THORWallet Mastercard THORWallet offers a Swiss Bank account and a global debit Mastercard within the app. The Mastercard is a multi-currency debit card, allowing users to spend their crypto directly at any merchant that accepts Mastercard. With monthly limits of up to 1M EUR, it provides a seamless way to use crypto for everyday purchases. The card supports payments in USD, EUR, CHF, and RMB, making it a versatile option for international transactions. :heavy\_check\_mark:KYC is mandatory to use this services, it is verified by the Fiat24 team. :heavy\_check\_mark:THORWallet does not have access to your kyc or personal details. :heavy\_check\_mark:The crypto banking services (Swiss IBAN) is **available in around 100 countries.** :heavy\_check\_mark:THORWallet Mastercard can only be acquired from the mobile app, it is a virtual card, that can be added to your Apple pay and Google pay. :heavy\_check\_mark:It can be used to make payments across the globe. :heavy\_check\_mark:The card supports multiple base currencies: USD, CHF, EUR, and RMB. It will debit the corresponding currency account within the app. :heavy\_check\_mark:The bank account can be topped up with USDC (Arbitrum) and various other assets or via direct bank transfer. You can swap to USDC (Arbitrum) within the app. ## Supported Wallets [Ctrl browser extension](https://ctrl.xyz/) [Metamask ](https://metamask.io/) [Keystore wallet](https://faqs.thorwallet.org/products/web-app/keystore-wallet) [Ledger hardware wallet](https://www.ledger.com/) [Keystone hardware wallet](https://keyst.one/) Wallet connect **Multiwallet:** Connect and use two wallets simultaneously

{% hint style="success" %} You can use any ETH wallet extension with the web app. For example, if you want to use the [Trust Wallet extension](https://chromewebstore.google.com/detail/trust-wallet/egjidjbpglichdcondbcbdnbeeppgdph), simply disable the other wallet extensions in your browser settings. Then, click "Connect with MetaMask" in the web app. {% endhint %} ## Keystore Wallet A keystore wallet is a type of wallet that stores an encrypted version of a private key. The keystore file is generated using a private key and a password that is used to encrypt it. In the web app, you can either create a new keystore wallet or create a keystore wallet for an existing seed phrase. Lear how to create a key store wallet [here](/how-to-guides/how-to-create-a-keystore-wallet)! {% hint style="info" %} ## Don´t miss the stats! The THORWallet team has designed an explorer for both, [THORChain](https://thorscanner.org/) and [Maya](https://www.mayascan.org/), for you to stay updated. Go check them out! {% endhint %} # General