Argent Wallet Features: Secure & Easy Transactions

Argent is a mobile-first, non-custodial smart contract wallet built for the Ethereum blockchain. It aims to make crypto simple for everyday users by pairing strong security with a smooth onboarding flow.

The app removes seed phrases with seedless signup and offers Guardians-based social recovery. Daily transaction limits and audited contracts protect funds while a bug bounty program adds extra assurance.

Human-readable addresses (yourname.argent.xyz) reduce copy-paste mistakes. zkSync layer-2 support speeds up transfers and lowers transaction fees. Argent also links to desktop DApps via WalletConnect for broader access.

The system bundles one-tap access to DeFi services like Maker and Compound and in-app swaps through Kyber and Paraswap. Note: the app may cover some specific in-app fees, but standard Ethereum network fees still apply in many cases.

What Is Argent Wallet? A Smart-Contract, Non‑Custodial Review

Argent rethinks account safety by using on‑chain code to offer recovery and spend controls instead of a lone seed phrase.

This non‑custodial wallet is built around a smart contract model that puts rules on the blockchain. That design enables whitelists, daily limits, and time delays directly in the contract. Users get more control over transactions and funds without managing raw private keys.

How this differs from private‑key wallets

Traditional key‑based wallets rely on one seed or key for access. If that key is lost, funds can be gone forever.

By contrast, contract logic enables social recovery through trusted Guardians. Guardians or devices approve restorations, which reduces the single‑point failure risk.

Mobile‑first design for the Ethereum blockchain

The app targets iOS and Android with simple onboarding: install, verify via phone or email, and create a non‑custodial wallet without seed words.

Users can access DeFi and DApps via in‑app integrations or WalletConnect, and use biometrics for quick authentication while keeping security strong.

argent wallet features

Guardians and per-day limits give users hands-on control over transfers and recovery. Designated Guardians—friends, family, another app account, or a hardware device—can approve recovery and high-value approvals without ever holding your private keys or touching funds.

A built-in 36-hour delay applies to recovery requests. That window gives users time to cancel a malicious attempt before access changes. Daily outgoing limits default to 10 ETH, so a lost or compromised phone can’t drain the account in a single session.

Human-readable addresses

Instead of sharing long hexadecimal addresses, users choose ENS-style names like yourname.argent.xyz. These readable addresses cut copy-paste errors and make sending tokens easier for new users.

In-app swaps, DeFi access, and WalletConnect

The app routes token swaps through Kyber and Paraswap to keep trades inside the interface and seek competitive rates. WalletConnect links let users access desktop applications such as OpenSea, DeFi Saver, Loopring, and 1inch for broader use.

• Ethereum-first support for ERC-20 tokens and one-tap access to protocols like Maker and Compound.
• On-chain smart contract rules enforce recovery, limits, and approvals to strengthen security.
• Some actions may incur a network fee, though the app can cover select in-app transactions in certain contexts.

For a deeper walkthrough of the interface and integrations, see this Argent guide for users exploring decentralised finance and everyday transactions.

Security & Recovery: Guardians, Biometrics, and Smart Contracts

Access control combines social approval, biometrics, and audited contracts to protect holdings. The design gives users layered protection without relying on a single seed phrase.

Social recovery with trusted contacts and time delays

Select multiple trusted Guardians to approve account restoration and high‑value actions. A majority must agree, so no single person can restore access alone.

A built‑in 36‑hour delay lets legitimate owners cancel an unauthorized recovery, adding a crucial time‑based defense.

Biometric and multi‑factor authentication

In‑app face or fingerprint login and optional multi‑factor checks verify the rightful owner for sensitive actions. This authentication layer helps prevent remote attackers from moving funds or changing settings.

Audited, modular contracts and a bug bounty

The system uses open‑source, audited smart contracts that enable limits, whitelists, and safe upgrades. An active bug bounty encourages external review and fast fixes.

• Guardians can lock accounts or verify transactions above limits but never hold private keys or move crypto.
• Some recovery steps require on‑chain confirmations and may incur network fees.

Non‑custodial control stays with users: only they manage funds. For more on social methods and tradeoffs, see this social recovery overview.

User Experience: Setup, Using Argent, and Everyday Transactions

Getting started takes minutes: install the app, confirm phone or email, and create an account without memorizing a seed phrase.

Seedless onboarding and simple address handling

The process gives each user a readable username like yourname.argent.xyz to share instead of a hex address. This reduces copy/paste mistakes and makes sending crypto feel familiar.

Managing ERC‑20 tokens, sending funds, and approving transactions

Inside the application, users can view balances, add tokens, and organize a portfolio with simple taps. Sending funds is protected by biometric confirmation so approvals are quick and secure.

Some in-app actions may have gas covered by the app, such as select Invest flows. Standard Ethereum network fees still apply for most transactions.

• Seedless signup: download, verify, and begin.
• Human-readable addresses that cut errors.
• Biometric confirmations for approvals and DApp interactions.
• Guardian-based control and daily limits to protect funds.

Overall user experience blends a modern fintech interface with background smart‑contract security. The result keeps daily transactions simple while preserving strong control and recovery options.

DeFi & Layer‑2 Performance: zkSync, DApps, and Gas Management

Layer‑2 integration speeds common DeFi flows, making swaps and transfers feel instant for most users. zkSync brings high throughput and lower costs compared with mainnet-only transactions. That means near‑instant confirmations and reduced transaction fees for everyday transfers.

Users can move ERC‑20 tokens over zkSync to benefit from layer‑2 scalability while staying on Ethereum. The result: faster transactions and much lower per‑transaction costs, useful for frequent traders and small transfers.

One‑tap DeFi access

The app links directly to decentralized finance services like Compound and Maker. With one tap, users lend, borrow, or earn interest—DAI borrowing against ETH is a common use case.

Desktop DApps and NFT marketplaces

WalletConnect acts as a secure bridge to desktop applications and marketplaces such as OpenSea, DeFi Saver, Loopring, and 1inch. This gives users broader access to tools and NFT purchases without juggling multiple accounts.

• Gas management: Certain in‑app Invest actions may have covered fees; most other transactions follow current network conditions.
• Practical flows: Swap tokens, post collateral, or buy NFTs via connected DApps—all initiated from the app for a unified process.
• Safety: Audited smart contracts and on‑chain controls underpin DeFi services to protect funds and approvals.

In short: layer‑2 efficiency and tight integrations centralize crypto services into one app, delivering faster, cheaper, and smoother DeFi experiences for users on the blockchain.

Fees & Costs: Network Fees, In‑App Swaps, and Fiat On‑Ramps

Understanding costs helps users pick the cheapest route for buying, swapping, or sending crypto.

Network gas: Ethereum network fees apply to most on‑chain transactions. The application does not take a cut of standard gas paid to miners or validators.

That said, the provider may cover gas in specific cases to make common flows simpler. Examples include certain in‑app sends and Invest integrations where the app absorbs the gas to reduce friction for users.

Swap charges and Paraswap routing

Crypto‑to‑crypto swaps inside the app carry a 0.5% exchange fee routed through Paraswap. The split gives the app 85% of the 0.5% and Paraswap the remainder.

Routing optimizations aim to secure competitive rates by comparing liquidity paths, but the small swap fee still applies.

Fiat on‑ramp partners and typical fee ranges

Purchasing with card or Apple Pay via partners like MoonPay typically costs ~3.5% or a minimum of 3.99 EUR/GBP/USD.

Bank transfers in EUR/GBP usually sit near 1% or 3.99 minimum. PIX purchases run ~2.95% with a 3.99 minimum.

Wyre specifics vary: expect flat elements like $5 or a percentage (2.9% + $0.30 US or 3.9% + $0.30 international), whichever is higher. ACH may be 0.75% for ETH & DAI purchases.

Wyre also adds small network items — e.g., a $0.20 debit card element or ~0.001 ETH for ACH settlement in some flows. USDC purchased via ACH can sometimes avoid transaction and gas fees.

• Network gas on mainnet is usually the largest variable cost for on‑chain moves.
• Layer‑2 transfers often lower transaction fees and speed up confirmations.
• Total costs depend on payment method, market conditions, and network congestion.

Tips for users: compare in‑app options before buying and check partner terms. For converting crypto to cash with low fees, consider this guide on how to convert cryptocurrency to cash without paying high fees: convert crypto to cash.

Supported Assets, Tokens, and Limitations

The platform focuses on the Ethereum network and supports ERC‑20 tokens across a wide range of projects.

Support is concentrated on Ethereum-based assets. That gives users broad coverage for tokens and DeFi applications that live on the chain.

What is supported and what is not

Supported: ERC‑20 tokens and standard Ethereum addresses are fully handled. ERC‑721 NFTs show on iOS. Smart contracts remain audited and open‑source, keeping control of funds non‑custodial with users.

Limitations: Non‑Ethereum cryptocurrencies such as Bitcoin or Litecoin are not supported natively. ERC‑1155 NFTs do not display in‑app, so management requires external connections.

NFTs, desktop access, and checking compatibility

For NFTs beyond in‑app support, users can connect to desktop marketplaces via WalletConnect to manage collections on platforms like OpenSea. The app itself is mobile‑only; there is no standalone desktop application.

• Addresses stay standard Ethereum addresses, though readable usernames simplify sharing.
• Decentralized finance integrations target Ethereum protocols and related applications inside the app.
• Always check the website or the in‑app token list for current compatibility as support can change.

Network and fees: standard Ethereum gas or layer‑2 fees apply for transfers. Users should confirm costs before moving funds.

Summary: If your assets and applications live on Ethereum, this option gives strong contract‑based control and broad token coverage. If you hold non‑Ethereum coins or need full in‑app multi‑standard NFT handling, consider alternatives or use connected DApps.

How Argent Compares: User Experience, Security, and Costs in Context

When choosing a crypto account, consider how on‑chain rules, mobile design, and fees shape daily habits. This comparison highlights where a contract-driven approach stands against key-based tools in real, everyday use.

Smart contract wallet advantages vs. key-based wallets

On-chain rules improve safety: social recovery, daily limits, whitelists, and time delays reduce single-point failures compared with sole reliance on private keys.

Control stays non‑custodial: users keep custody of funds while the app adds authentication and on‑chain safeguards to simplify recovery and approvals.

• UX: mobile-first app with unified flows versus desktop extensions for browser-based use.
• Costs: Ethereum network fees apply broadly; some in‑app actions may be covered and swaps carry a 0.5% split with Paraswap.
• Security: audited smart contracts, bug bounty programs, and multi-factor authentication raise protection.

Trade-offs: mobile-only scope and Ethereum focus suit mainstream users and decentralized finance access. Power users who need multi-chain or full desktop workflows might prefer alternate wallets.

Overall, this contract model excels in everyday usability, on‑chain control, and recovery, while key-based options may better fit those seeking browser integrations or broader chain support.

Conclusion

A modern account model gives newcomers easy access to DeFi while keeping on‑chain protections active.

The argent wallet combines smart‑contract protections, Guardian social recovery, daily limits, and biometrics to raise security without forcing seed phrases. This design helps users manage approvals and lower risk to their funds.

Usernames, in‑app swaps, and one‑tap DeFi links reduce friction for new users. zkSync support speeds transfers and cuts costs for many flows on the ethereum blockchain, improving access to decentralized services.

Keep in mind scope and costs: the app focuses on Ethereum and ERC‑20 tokens, is mobile‑only, and has NFT visibility limits. Expect standard network gas, occasional covered actions, a modest swap fee, and partner fiat charges.

The argent wallet is a strong, user‑friendly choice for people who want secure mobile access to blockchain services. Evaluate your assets, DApps, and device needs before deciding.