Oppi Wallet vs Zengo: Which One Should You Choose?

How Each Wallet Protects Your Money

This is the biggest difference between both the wallet and you need to understand it properly.

Oppi Wallet Security Model:

When you create your Oppi Wallet account, we give you a 12-word seed phrase. These 12 words are your master key to your crypto. You have to write them down on paper and keep them very safe. With these 12 words you can easily recover your wallet on any device anytime.

This is the same security model which is used by bitcoin and other most popular crypto wallets have been using it successfully for over 15 years.

We also add three layers of protection:

• Your 6-digit PIN code

• Your fingerprint or face recognition

• Encrypted backup of your wallet

Zengo Security Model:

Zengo is also a self custody wallet but it is keyless which means they do not give you any seed phrase at all. Instead they use MPC (Multi-Party Computation) technology. This technology splits your wallet key into three parts.

In this technology, one part stays on your phone. One part goes to Zengo’s server. One part goes to a recovery service.

To access your wallet, you use:

• Your 3D facial recognition (they call it FaceLock)​

• Your email verification

• Your recovery file

Zengo says that this removes the single point of failure that exists with seed phrases. Because if someone steals your phone, they still will not be able to access your crypto because of your face and email too.

Now you must be thinking which one is better? Many of you might be thinking Zengo is better with newer technology because there is no need to write down and secure seed phrase.

Some of you might be thinking Oppi Wallet is better because it is offering technology which has secured billions of dollars for over 15 years. It is proven and tested.

But this is not about better or worse. This is about what you trust more.

The seed phrase model which has protected billions of dollars for over 15 years. Which is proved and tested. But in this you must keep your seed phrase very safe because if you lose it, nobody can help you get your crypto back.

Or the MPC model which is newer technology. It will remove seed phrase risk but it means that you are trusting Zengo’s servers to always work properly. If in future Zengo faces any problem or their servers stop working, there can be issues

What Each Wallet Actually Does for You

What Oppi Wallet Offers:

• Complete self-custody through seed phrase

• Free virtual Mastercard for online shopping

• Physical VISA card for store purchases at minimal fee

• Integrated travel booking that saves you 3% to 5% on international trips

• Support for 40+ cryptocurrencies across Ethereum, BSC, TRON, Solana, Polygon

• Zero foreign transaction fees

• Multi-chain spending without bridging

• Simple setup in 10 minutes

• Easy and fast swap with other cryptocurrencies

• Buy & Sell Crypto with Fiat

• No subscription fees ever

What Zengo Offers:

• Keyless self-custody through MPC technology​

• Support for 380+ cryptocurrencies​

• Works on 6 blockchains: Bitcoin, Ethereum, BNB, Doge, Tron, Tezos​

• Works on 4 Layer 2 networks: Polygon, Arbitrum, Optimism, Base​

• Desktop and mobile access​

• Ethereum staking to earn rewards​

• NFT viewing and storage​

• Zengo Pro subscription for extra features​

• 3D facial recognition security​

The Fee Differences You Will Actually Pay

This is where things get very important for your wallet.

Oppi Wallet Fees:

• Sending crypto: Just network fees (no extra charges)

• Receiving crypto: Completely free

• Swapping coins: Only network fees (no markup)

• Spending abroad: Zero extra charges

• Virtual card: Free

• Physical card: Very small one-time fee

• Monthly or yearly fees: Nothing ever

• Travel booking: No platform fees

Zengo Fees:

• Sending crypto: Only network fees​

• Receiving crypto: Free​

• Swapping coins: Up to 3% fees plus network fees plus 2% spread​

• Buying crypto with card: 3.5% to 5.75% fees depending on provider​

• Spending abroad: No card mentioned for spending

• Zengo Essentials: Free

• Zengo Pro: 49.99 per year subscription​

• Ethereum staking: Available​

Let us do simple calculations:

If you swap $1000 worth of crypto on Zengo, you pay up to 3% ($30) plus 2% spread ($20) which equals to $50 in total fees. Whereas on Oppi Wallet you pay only network fees which typically depend on your blockchain and timing.

The Clear Differences: Zengo charges higher swap fees (up to 5% total) compared to Oppi Wallet. But Zengo offers features like Ethereum staking and also has desktop version which makes it easier to access anywhere.

Where Zengo is Better Than Oppi Wallet

1. No Seed Phrase Worry

We have multiple cases where beginners were not much aware about seed phrases, they wrote down on notepad and later deleted that, but after changing their phone they knew the cost of not properly backing up seed phrase.

We have also seen that many people lose their seed phrases. They wrote it down but cannot find the paper. Or they forget where they kept it. Or their house catches fire and the paper burns.

But with Zengo this problem simply does not exist because there is no seed phrase to lose

In simple if you are worried about losing a piece of paper on which your seed phrase is written. Then Zengo removes this worry completely.

2. Desktop Access

What if your phone just breaks all of a sudden? and at that time you want to make an urgent trade. If you are using Zengo then you can easily access it on your desktop computer or laptop as it works on both mobile phones and desktop computers.

Whereas, Oppi Wallet currently works on mobile phones only. We are soon going to launch a desktop version.

3. Staking for Rewards

If you want to earn passive income by staking your ethereum and earn rewards. Then Zengo offers this feature built into their wallet. Oppi Wallet currently do not offer any staking feature.

4. More Cryptocurrencies

Zengo supports 380+ different cryptocurrencies. If you hold many different small coins, Zengo likely supports more of them.​ For people who invest in many different cryptocurrencies, Zengo offers wider support.

5. NFT Features

Zengo lets you view and store your NFTs directly in their wallet. If you collect NFTs and want to see them in your wallet, Zengo provides better features for this.

Where Oppi Wallet is Better Than Zengo

1. Spending Fees

We charge zero foreign transaction fees and minimal swap fees. Whereas, Zengo charges up to around 5% total on swaps (3% fee plus 2% spread). This difference adds up very quickly.​

Real calculation: On $1000 of swapping over a month, Zengo costs you $50 rupees extra. Whereas Oppi Wallet costs you just network fees which also depends on the network you have chosen.

2. Travel Booking

Oppi Wallet lets you book flights and hotels directly in the app, which saves you 3% to 5% by avoiding conversion fees and poor exchange rates. Whereas, Zengo or any other wallet currently does not have any travel booking feature.

For example, on $10,000 worth of travel bookings, our system saves you $300 to $750 that other wallet users would pay through normal booking websites.

3. Crypto Spending Cards

Oppi Wallet provides both virtual Mastercard (free) and physical VISA card (minimal fee) for spending crypto anywhere in the world where Mastercard or VISA is accepted. Whereas, Zengo currently does not offer any crypto card for spending in stores or online shopping.

So if you want to pay for Netflix with crypto, shop on Amazon with crypto, or buy groceries with crypto, we make this possible. To learn more about how you can pay for subscription like netflix, apple music, amazon with your crypto you can check our guide.

4. Zero Subscription Fees

We never charges any monthly or yearly subscription fees, our each and every feature are free to use for each and everyone. Whereas Zengo has a pro version with some extra features that costs $9.99 per month or $49.99 per year.

5. Multi-Chain Spending

We let you spend crypto from these blockchains: Binance Smart Chain, Ethereum, TRON, Polygon, Solana, More coming soon. Or you can select from a list of our more than 40+ cryptocurrencies. You can also manually add your favorite cryptocurrency if it is supported on the supported blockchains.

6. Proven Seed Phrase Security

We use the seed phrase model which is tried and tested and is protecting billions of dollars of crypto for over 15 years. And that is why the seed phrase is a proven standard in the industry. Zengo's MPC technology is innovative but newer and less tested over time.

And that is why if you trust the proven method that bitcoin itself uses, we follow that same standard. Whereas Zengo uses newer technology that is less proven over time.

Pick Oppi Wallet When You:

• Want to spend crypto regularly: Pay for subscriptions, shop online, buy in stores

• Travel internationally often: Save money with zero foreign fees and integrated booking

• Prefer lowest fees: Avoid high swap fees and subscription costs

• Want crypto cards: Need virtual and physical cards for daily spending

• Trust proven security: Prefer the seed phrase method used by Bitcoin and major wallets

• Want simplicity: Need straightforward spending without complicated features

• Never want subscription fees: Want everything free forever

Pick Zengo When You:

• Worry about seed phrases: Fear losing your recovery words​

• Want desktop access: Prefer managing crypto on computer, not just phone​

• Need staking: Want to earn rewards by staking Ethereum​

• Hold many coins: Have investments in hundreds of different cryptocurrencies​

• Collect NFTs: Want to view and manage NFTs in your wallet​

• Like new technology: Prefer facial recognition over seed phrases​

• Can afford subscriptions: Do not mind paying 49.99 yearly for Pro features​

Let us look at what you will actually pay over one year with typical usage.

Situation: Imagine that you are holding $2,500 in crypto. You swap coins 5 times per year ($250 each time, total $1,250). You travel twice internationally spending $2,000 total.

With Oppi Wallet:

• Swapping costs: Network fees only = about $6 total

• Foreign spending: Zero extra charges = $0

• Travel booking savings: 4% saved on $2,000 = $80 saved

• Card costs: Free virtual card = $0

• Subscription: Never any fees = $0

• Total cost: $6

• Total savings: $80

• Net benefit: You save $74

With Zengo:

• Swapping costs: 5% on $1,250 total = $62.50​

• No spending card available = cannot spend in stores

• No travel booking = no savings

• Subscription costs: $0 (if using free version)

• Staking benefits: Can earn on Ethereum holdings = estimated $25 (assuming partial holdings staked)​

• Total cost: $62.50

• Total benefit: $25 from staking

• Net cost: You pay $37.50

Clear Result:

For this typical spending user, Oppi Wallet puts you ahead by $111.50 compared to Zengo over one year ($74 benefit vs $37.50 cost).

The Bottom Line: If you actively use and spend your crypto, Oppi Wallet saves you significant money. But if you do not spend crypto much and mainly want to stake and hold without moving funds, Zengo might work better for you.

Q. Which one is actually safer - seed phrase or facial recognition?

Ans. Both are safe if the user knows how to use them properly. The seed phrase has protected crypto for 10+ years and is proven. But you must keep the paper on which your seed phrase is written very safe. Whereas, Zengo's MPC technology with facial recognition is newer technology that removes the risk of seed phrase but it also means trusting on Zengo’s servers. At the end it all comes to you, so, choose based on what you trust more: A proven older technology or innovative newer technology.​

Q. Can I use both wallets together?

Ans. Yes, in fact many advanced users do this. You can simply use zengo or any other wallet for holding and staking long term crypto. And use Oppi Wallet or any other wallet with virtual card for daily spending and travel. This way you get benefits of both.

Q. Does Zengo have a crypto card for spending?

Ans. No, Zengo currently does not provide any virtual or physical card for spending crypto in stores or online. Currently they focus on holding, swapping and staking crypto only. Whereas Oppi Wallet focuses on holding, swapping and spending crypto on daily basis.

Q. What happens if the Zengo company shuts down?

Ans. This is the main risk with MPC wallets. Since there is no seed phrase, you depend on Zengo's servers for part of your key. Zengo also says that they have built recovery systems for this. But it is newer technology without 10+ years of testing. Whereas, with seed phrase wallets like ours, you always have your 12 words independent of any company.​

Q. Which wallet is better for complete beginners?

Ans. Both wallets are beginner-friendly but in different ways as both are using different technology. Zengo is easier to set up, taking around 5 minutes because you don't have to write seed phrases there. Whereas Oppi Wallet takes around 8 minutes to set up because you have to write your seed phrase and we also confirm whether you have written or not.

At Oppi Wallet, we understand that different people need different features. Here is our truthful guidance based on what you actually want to do.

Use Oppi Wallet when your main goal is:

• Spending crypto regularly for shopping, bills, subscriptions

• Traveling internationally and wanting to save money

• Getting the lowest fees on all transactions

• Having virtual and physical cards for daily use

• Avoiding any subscription costs forever

• Using proven seed phrase security

Use Zengo when your main goal is:

• Avoiding seed phrase completely

• Managing crypto from desktop computer

• Staking Ethereum to earn rewards

• Holding hundreds of different cryptocurrencies

• Viewing and managing NFT collections

• Using facial recognition security

Think about using both when:

• You want to hold and stake on Zengo (earning rewards)

• You want to spend and travel with Oppi (saving money on fees)

• You want benefits of both platforms

The complete truth: Zengo is an innovative wallet with keyless technology and broad crypto support. We are a spending-focused wallet with proven security and lowest fees. Zengo does not compete with us on spending features. We do not compete with them on staking and NFT features. Your choice depends on whether you want to mainly spend crypto (pick us) or mainly hold and stake crypto (pick Zengo).​

Step 1: Get the App

Download Oppi Wallet from the App Store for iPhone or from Google Play for Android phones.

Step 2: Create Your Wallet

• Choose a 6-digit PIN code you will remember. Don’t keep same like yours mobile password

• Turn on fingerprint or face recognition

• Most important: Write your 12-word seed phrase on paper with a pen

• Keep this paper very safe in your home (maybe in a locked drawer)

Step 3: Get Your Free Cards

• Open the Cards section in our app

• Request your free virtual Mastercard (get it immediately)

• Add it to Apple Pay or Google Pay

• Order physical VISA card if you want (very small fee)

Step 4: Add Your Crypto

• Buy, Sell, Send, Receive or Swap BTC, EHT, USDT, USDC, or any crypto we support

• Start with small amount like $20 to test

• Once comfortable, add more and start spending

Need help? Read our detailed guide: How to set up your crypto wallet in 10 minutes

Both Oppi Wallet and Zengo are self-custodial wallets that let you control your own crypto. But the key differences between both are:

Security method: Oppi Wallet uses a proven seed phrase technology. On the other hand Zengo uses innovative keyless MPC technology.​

Main purpose: Oppi Wallet mainly focuses on spending crypto daily. Zengo focuses on holding and staking crypto.

Fees: We charge minimal fees on swaps and other features. Zengo charges up to 5% on swaps and other charges on other features.​

Special features: We have crypto cards and travel booking. Zengo has staking and NFT support.​

Subscription: We never charge subscriptions. Zengo Pro costs 1,999 rupees monthly.​

For most people who want to actually use and spend their crypto in daily life while keeping fees low, Oppi Wallet makes more sense. For people who want keyless security and staking features, Zengo makes more sense.

Ready to start spending your crypto with lowest fees and complete control?

Download Oppi Wallet today:

• iOS App Store

• Android Google Play

Visit oppiwallet.com to learn more about our security, spending features, and integrated travel booking that saves you money.

Your crypto. Your control. Your choice. Always simple and affordable.