Zengo is the best MPC wallet for individuals: signing is split between your phone and Zengo, so there is no seed phrase. For businesses, prices vary widely: Dfns starts at $800 a year, Cobo at $299 a month and Fireblocks at $999 a month. MPC (multi-party computation) splits a key into shares so the full private key is never in one place.
Quick answer
Zengo if you want a personal wallet without a seed phrase; Dfns or Cobo for a business wallet API with published prices; Fireblocks or BitGo for regulated institutional operations.
- 01ZenGo: best for individuals
- 02Dfns: Best entry price for teams
- 03Cobo: best for mixed wallet types
- 04Fireblocks: best for institutions
- 05BitGo: Best regulated custodian
The 6 best MPC wallets
Zengo splits signing between your device and Zengo, so there is no seed phrase. Recovery uses email plus a recovery file in your own cloud storage. Its swap screen charges up to 4% plus liquidity fees.
- Custody
- Self-custody
- Chains
- Bitcoin, EVM and other chains
- Platforms
- iOS, Android
- Swap fee
- Up to 4% exchange fee, plus liquidity fees
- US availability
- Yes
Pros
- No seed phrase to lose or have stolen
- No Zengo fee to send, receive or store crypto
- Pro adds a Web3 firewall, theft protection and inheritance-style Legacy Transfer
Cons
- Swap exchange fee of up to 4% plus liquidity fees
- Losing the cloud recovery file makes the wallet unrecoverable, and Zengo cannot help
- Key features such as Theft Protection need the paid Pro plan
Skip it if you swap often: up to 4% is far above the 0.25% to 0.875% fees in our best crypto wallets list.
#2D
Best entry price for teams
Dfns runs keys on MPC, HSMs or TEEs, with its own MPC protocols (CGGMP24, FROST, KU25), across 100+ blockchains. Starter costs $800 a year with no AUM or transaction fees, and a 30-day trial includes testnet sandbox access.
- Platforms
- API, SDK, Web
- Pricing
- Starter $800/yr, Basic $8,000/yr, Pro $35,000/yr, Enterprise custom; no AUM or transaction fees
- Free plan
- 30-day free trial with full sandbox access on testnets, no credit card
- Chains
- 100+ blockchains
- Security audits
- SOC 2 Type I and II, ISO 27001/27017/27018 (KPMG); quarterly audits and pentests by Halborn, Kudelski, Quarkslab and others
Pros
- No AUM fees and no transaction fees on any plan
- 30-day free sandbox trial on testnets, no credit card
- SOC 2 Type I and II plus ISO 27001, 27017 and 27018, certified by KPMG
Cons
- Starter plan covers 1 blockchain, 10 wallets and 100 signatures per month
- Pro plan costs $35,000 per year; Enterprise pricing is not published
- iOS and Android interfaces are listed as coming soon
Skip it if you need a consumer app: Dfns is an API for businesses.
#3C
Best for mixed wallet types
Cobo’s one API covers custodial, MPC, smart contract and exchange wallets on 80+ chains; its MPC signing runs on TSS nodes inside TEEs. Starter costs $299 a month, with a $300K outgoing cap then 0.20%.
- Chains
- 80+ chains
- Platforms
- Web, API, SDK
- Custody
- Custodial
- Pricing
- Starter $299/month; Standard $999/month; Enterprise by quote
- Fees
- Outgoing volume overage 0.20% (Starter), 0.16% (Standard)
Pros
- Published pricing: Starter $299/month, Standard $999/month
- SOC 2 Type II certified and ISO 27001 compliant
- States zero breaches since 2017
Cons
- Starter plan caps outgoing volume at $300K, then 0.20%
- Custodial wallets only on the Enterprise plan
- Extra users cost $100 each
Skip it if you need custodial wallets on a starter budget: they are Enterprise only.
Fireblocks secures keys with MPC and key shares across secure hardware, and connects to 30+ exchanges. Essentials costs $999 a month with $1,000,000 quarterly outbound volume, then 0.20%.
- Chains
- 80+ EVM and non-EVM blockchains
- Platforms
- Web, API, SDK
- Custody
- Self-custody
- Pricing
- Essentials $999/month (up to 6 months); Pro, Enterprise, Enterprise+ from $36,000/year
- Fees
- 0.20% overage above $1,000,000 quarterly outbound volume (Essentials)
Pros
- Published entry plan: $999 per month
- Free developer sandbox for API and SDK testing
- 80+ blockchains and 30+ connected exchanges
Cons
- Essentials caps outbound volume at $1,000,000 per quarter
- 0.20% overage fee above the volume cap
- Pro and Enterprise pricing only by sales quote
Skip it if you move large volume on Essentials: the 0.20% overage adds up above the cap.
BitGo offers MPC wallets using threshold signature schemes alongside its 2-of-3 multisig, with user, backup and BitGo keys. It runs BitGo Bank & Trust under an OCC charter.
- Platforms
- Web, API, SDK
- Company
- BitGo, Inc. (NYSE: BTGO), founded 2013 by Mike Belshe
- US availability
- BitGo Bank & Trust, N.A. (OCC); NY trust company regulated by NYDFS; money transmitter licenses in certain states, others pending
- Fees
- Custody fee in bps on average monthly USD balance; fees only on outgoing transfers outside your enterprise; rates set per agreement
- Security audits
- Third-party audits including SOC attestations; $250M insurance where BitGo Bank & Trust holds all keys
Pros
- National trust bank charter from the OCC
- Licensed entities in the US, Singapore, UAE and Switzerland
- Self-custody hot and cold wallets alongside qualified custody
Cons
- Not a SIPC or FINRA member; custodied assets are not FDIC insured
- Aimed at institutions, not retail users
- Money transmitter licenses still pending in some US states
Skip it if you want a published price: BitGo does not list one on the pages we checked.
Web3Auth, now MetaMask Embedded Wallets, creates wallets for users who sign in with email, SMS or social accounts. Base is free for 1,000 monthly active wallets. MPC TSS key management needs the Enterprise plan.
- Chains
- EVM chains, Solana and Bitcoin
- Platforms
- Web, iOS, Android, SDK
- Pricing
- Base free; Growth $69/month; Scale $399/month; Enterprise custom. Extra monthly active wallets $0.050 to $0.040 each
- Free plan
- Base plan: 1,000 monthly active wallets free, then $0.050 per additional wallet
- Company
- Consensys Software Inc. (acquired Web3Auth)
Pros
- Free Base plan includes 1,000 monthly active wallets
- Chain-agnostic: EVM networks, Solana and Bitcoin
- Web SDK source is public on GitHub
Cons
- Whitelabeled login UI starts at the $69/month Growth plan
- MPC TSS for web and mobile is Enterprise-only
- Farcaster login is deprecated in the current SDK
Skip it if you need MPC on a self-serve plan: it is Enterprise only.
Not on this list
Privy: Its docs describe Shamir secret sharing inside AWS Nitro enclaves with a 2-of-2 share setup, not MPC signing.
Lit Protocol: Its current docs describe keys held inside an Intel TDX trusted execution environment, not MPC or threshold signing.
MPC Wallets compared
Select a name to jump to its review.
| Name | Best for | US availability | Fees | Pricing | Free plan |
|---|
| ZenGo | Seedless personal wallet | Yes | No Zengo fee to send, receive or store; buy, sell and trade fees set by third-party providers | Essentials free; Zengo Pro subscription listed at $19.99 to $129.99 as US App Store in-app purchases | Yes, Zengo Essentials: free wallet with buy, sell, swap, connect and earn |
|---|
| Dfns | Wallet API on a budget | Available: terms name no country restrictions | No AUM, AUC or transaction volume fees; subscription plus wallet usage | Starter $800/yr, Basic $8,000/yr, Pro $35,000/yr, Enterprise custom; no AUM or transaction fees | 30-day free trial with full sandbox access on testnets, no credit card |
|---|
| Cobo | MPC and custodial API | Available: terms restrict only sanctioned persons and addresses | Outgoing volume overage 0.20% (Starter), 0.16% (Standard) | Starter $299/month; Standard $999/month; Enterprise by quote | No free plan: Wallet-as-a-Service starts at Starter $299/month |
|---|
| Fireblocks | Exchanges and fintechs | Available: terms name no country restrictions | 0.20% overage above $1,000,000 quarterly outbound volume (Essentials) | Essentials $999/month (up to 6 months); Pro, Enterprise, Enterprise+ from $36,000/year | Developer Sandbox, free to sign up (testnet assets only) |
|---|
| BitGo | US bank-chartered custody | BitGo Bank & Trust, N.A. (OCC); NY trust company regulated by NYDFS; money transmitter licenses in certain states, others pending | Custody fee in bps on average monthly USD balance; fees only on outgoing transfers outside your enterprise; rates set per agreement | Set in each client agreement: bps on average monthly assets under custody and on outgoing transactions | Not verified |
|---|
| MetaMask Embedded Wallets | Social-login wallets in apps | Available: terms restrict only sanctioned jurisdictions | Per monthly active wallet above plan quota: $0.050 (Base), $0.045 (Growth), $0.040 (Scale) | Base free; Growth $69/month; Scale $399/month; Enterprise custom. Extra monthly active wallets $0.050 to $0.040 each | Base plan: 1,000 monthly active wallets free, then $0.050 per additional wallet |
|---|
“Not verified” means we could not confirm the value on the project’s own pages.
How we rank MPC wallets
- 01Key setup: how the key is split and where each share lives, from the provider’s own docs.
- 02Published price: a price we could read on the provider’s site; compared only within the same billing period.
- 03Volume limits: caps and overage fees on outgoing volume.
- 04Chains: the number of blockchains the provider lists.
- 05Audience: personal wallet, developer SDK or institutional platform.
No project paid to be listed or ranked. Full rules: methodology.
What we did not test
- We did not open accounts, deposit money or place trades with these services.
- We did not audit smart contracts, reserves or security claims ourselves; we report what the project and its auditors publish.
- Fees, limits and availability change; the list date shows when we last checked them.
Rubric last updated Oct 1, 2026. Crypto assets are not insured by the FDIC or SIPC, and you can lose all the money you put in. This page is educational content, not financial advice.
How to choose
01MPC versus multisig
Multisig signs with several keys on-chain, so the chain sees each signature. MPC combines key shares off-chain into one ordinary signature, so it works on chains without multisig support. BitGo offers both.
02Ask who holds the shares
In Zengo, one share is on your phone and one is with Zengo. In business platforms, shares can sit with you, the provider and hardware enclaves. Read the docs before you assume self-custody.
03Compare prices in the same period
Dfns prices yearly ($800 Starter); Cobo ($299) and Fireblocks ($999) price monthly. Check volume caps too: Cobo Starter caps outgoing volume at $300K and Fireblocks Essentials at $1,000,000 a quarter.
04Plan recovery
Zengo recovery needs your email and the recovery file in your cloud; Zengo says it cannot help if the file is lost.
Who should skip all of these
- People who want full control of a single private key: MPC wallets split it by design.
- Small teams with no budget: the business platforms here start at $800 a year (Dfns) or $299 a month (Cobo).
- Frequent swappers using Zengo: its swap fee is up to 4%.
Bottom line
Individuals: Zengo removes the seed phrase, but swap elsewhere.
Businesses: start with Dfns or Cobo for published pricing, and move to Fireblocks or BitGo when you need institutional custody.
Educational content, not financial advice. Crypto assets are volatile; do your own research.
FAQ
What is an MPC wallet?
±
A wallet whose private key is split into shares held by different parties or devices. The shares sign together, so the full key never sits in one place.
Is Zengo self-custody?
±
Zengo describes itself as self-custody: signing is split between your device and Zengo, and neither side can sign alone.
How much does an MPC wallet API cost?
±
Dfns Starter costs $800 a year. Cobo Starter costs $299 a month and Fireblocks Essentials $999 a month. Web3Auth Base is free for 1,000 monthly active wallets, but MPC needs Enterprise.
Is MPC safer than multisig?
±
Neither is safer in every case. MPC works on any chain and hides the signer set; multisig is visible and checkable on-chain. BitGo offers both.
What happens if Zengo goes offline?
±
Zengo's server holds one key share, so signing depends on its infrastructure staying online; Guaranteed Access is the fallback. Recovery needs your registered email plus the recovery file in your own cloud storage, and Zengo lets you add a secondary email and a secondary cloud.
What changed in this list
2026-09-26First version: 6 MPC wallets and platforms, key setups and prices checked on each provider’s own pages.
2026-10-01Added a FAQ on Zengo's server dependency and recovery.
Who made this page
✓
Fact check
Checked against 10 sourcesLast check: Oct 1, 2026
A value we could not confirm on the project’s own pages is marked “Not verified” instead of estimated.
How we review