Disclaimer: The information provided in this article is for educational and informational purposes only and should not be construed as financial or investment advice. Exchange fees, features, and policies are subject to change. Readers should conduct their own research and verify details on the official platforms before making any trading decisions.
NOW Wallet vs Phantom Wallet is a comparison between a wallet covering 70+ blockchains and a wallet that started on Solana and now supports a few more networks. Both are non-custodial, and both include perpetual futures, prediction markets and tokenized stocks in the app. This article compares them on features, security, user experience, support and public reviews, using official documentation and third-party data.
We base our comparison on a fixed set of criteria such as fees, speed, security, user experience, and customer support. We evaluate them using publicly available data such as user reviews and official documentation.
When NOW Wallet or ChangeNOW are one of the compared services, they're assessed against the same criteria as everyone else on the list.
Read the full methodology here: How We Compare Crypto Platforms.
The two wallets come from different starting points. NOW Wallet was built as a multi-chain wallet from the beginning, while Phantom grew outward from a single ecosystem.
NOW Wallet is a non-custodial wallet from ChangeNOW. It is a mobile-first app for iOS and Android, with a desktop version that syncs with the mobile app. The wallet supports 70+ blockchains and 1500+ tokens, including BTC, ETH, DOGE and XMR. Any token on an EVM-compatible blockchain can be added manually even if it isn't listed natively, and WalletConnect gives access to dApps on 25+ networks.
Phantom launched in 2021 as a wallet for Solana and has since added Ethereum, Base, Polygon, Bitcoin and a few other networks. It is non-custodial and available as a Chrome extension and as an iOS and Android app. Solana remains the home network, and most of Phantom's products are built around it.
| NOW Wallet | Phantom Wallet | |
|---|---|---|
| Wallet type | Non-custodial | Non-custodial |
| Main platform | Mobile app, synced with desktop | Browser extension and mobile app |
| Networks | 70+ blockchains | Fewer than 10 networks, list changes often |
| Assets | 1500+ tokens; any EVM token can be added manually | Tokens on supported networks; no custom networks |
| Trading products | Swaps, perps, prediction markets, tokenized stocks and gold | Swaps, perps, prediction markets, tokenized stocks |
| Focus | Multi-chain storage with built-in exchange | Solana ecosystem |
NOW Wallet puts storage, exchange and fiat tools in one app. Users can buy and sell crypto with a bank card or bank account, swap assets through the ChangeNOW engine while earning cashback with a ChangeNOW Pro account, and stake supported coins without leaving the wallet. The trading section includes perpetual futures and prediction markets, plus tokenized stocks and commodities.
A second group of tools covers privacy and everyday use. Private Send routes transfers through smart routing for an extra layer of privacy, and an integrated AML check analyzes an address before funds are sent. GasFree USDT lets users transfer TRC20 USDT without buying or holding TRX for gas. The app also supports multiple wallets, NFT storage and the NOW Token, which carries cashback and staking benefits. Merchants can accept crypto payments with Point of Sale.
Phantom's feature set grows out of Solana. Its swapper aggregates liquidity across decentralized exchanges and handles cross-chain swaps, and Solana staking includes liquid staking through PSOL. Perpetual futures run on Hyperliquid, and prediction markets run through Kalshi for eligible users. Phantom Cash is a stablecoin-based account with a Visa debit card in supported jurisdictions, and Phantom Terminal is a desktop platform aimed at more active traders. Usernames let users send funds to a handle instead of an address, and Ledger hardware wallets are supported. With the Robinhood Chain added in July 2026, Phantom also reaches tokenized stock products.
| Feature | NOW Wallet | Phantom Wallet |
|---|---|---|
| Blockchains | 70+ | Fewer than 10 |
| Swaps | Through ChangeNOW, cashback with ChangeNOW Pro | DEX aggregation and cross-chain swaps |
| Buy and sell with card or bank account | Yes | Yes |
| Staking | Yes | Yes |
| Perpetual futures | Yes | Yes |
| Prediction markets | Yes | Yes |
| Tokenized assets | Tokenized stocks and precious metals | Tokenized stocks |
| Gasless option | GasFree USDT for TRC20 USDT | Gasless swaps |
| dApp access | WalletConnect, 25+ networks | dApp connections on supported networks |
Both wallets are non-custodial. Private keys and recovery phrases stay on the user's device, so neither company can move funds on a user's behalf. Both are also hot wallets, which means phishing and malicious approvals remain the most common practical risks for any user.
NOW Wallet protects access with Face ID and fingerprint biometrics, supports backup and restoration with a recovery phrase on any compatible device, and screens addresses with its integrated AML check before a transfer. Third-party services inside the app come from selected trusted partners.
Phantom flags suspicious transactions before they are signed and supports Ledger for users who want to keep keys on a hardware device. It also runs a bug bounty program on Cantina with a maximum reward of $100,000, as listed in September 2026.
NOW Wallet is a mobile-first wallet: the main experience is the iOS and Android app, and the desktop version syncs with it. Phantom started as a browser extension, with iOS and Android apps added later.
The larger difference is network coverage. Phantom's list is short and moves from month to month: it ended Monad support on August 26 and Sui support on September 24, 2026. The Coin Bureau review noted that Arbitrum, Optimism, Avalanche and Linea weren't supported and that custom networks couldn't be added. A portfolio built around Solana and a few EVM networks fits inside that list. A portfolio that also holds assets on chains such as TRON, TON or Monero doesn't, and NOW Wallet covers those in the same app, with manual import for EVM tokens that aren't listed.
NOW Wallet provides a 24/7 fast and reliable support and all the necessary information in the Help Center. Phantom publishes its guides, including the supported-networks list and product articles, in its Help Center and has a support chat bot on the website.
Reviewers of NOW Wallet most often praise simplicity and a clear interface. The main criticism concerns processing times for some operations. ChangeNOW replies to all of the negative reviews on the profile. There are no public reports of NOW Wallet user keys being compromised.
Phantom's reviewers describe a change of the default "swap to" destination to Phantom Cash, and some report stolen funds after their wallet was compromised. In August 2022, thousands of Solana wallets were drained, and early reports named Phantom. Phantom's investigation, backed by audits, found no compromise of its own systems. The incident was traced to Slope, and the Phantom users who were affected had imported seed phrases or private keys to or from a non-Phantom wallet. Outside Trustpilot, third-party reviews highlight Phantom's depth on Solana and its clean interface.
NOW Wallet fits a portfolio that doesn't live on one chain. Bitcoin, Ethereum and Solana sit in the same app as TRON, TON and Monero, together with 1500+ tokens, and an EVM token that isn't on the list can be added by hand. For someone who moves between ecosystems, that means one recovery phrase to back up and one place to check balances.
The exchange side is where the wallet draws on ChangeNOW. Swaps run through the ChangeNOW engine, a ChangeNOW Pro account returns cashback on transactions, and buying or selling with a card or bank account happens in the same screen. Perpetual futures, prediction markets, tokenized stocks and tokenized gold are available next to ordinary crypto, so a user can hold these assets without opening a separate platform.
A few tools are specific to NOW Wallet. GasFree USDT removes the need to hold TRX for TRC20 USDT transfers, Private Send adds a privacy layer to outgoing transfers, and the AML check looks at an address before funds leave the wallet. Support is available around the clock, which helps when a transfer needs attention outside office hours.
Phantom suits users whose activity is centered on Solana. It has deep integration with the Solana ecosystem, social features such as usernames, and support for Ledger hardware wallets.
Users in supported regions can also use Phantom Cash, a stablecoin account with a Visa debit card, and Phantom Terminal for more active trading on desktop.
The choice mostly follows where a user's assets are. Phantom is built around Solana and works well for anyone whose activity stays there, with a few EVM networks and Bitcoin alongside. NOW Wallet is the wider option: 70+ blockchains, 1500+ tokens, a built-in exchange engine with cashback, and trading products that include tokenized stocks and gold.
There are trade-offs on both sides. Phantom's list of networks is short, changes between releases and has no custom-network option, so users with assets outside the list need a second wallet. NOW Wallet doesn't offer Solana-specific features such as usernames or a card like Phantom Cash.
| Criterion | NOW Wallet | Phantom Wallet |
|---|---|---|
| Key Features | 70+ blockchains, ChangeNOW swaps with cashback, perps, prediction markets, tokenized stocks and gold, GasFree USDT, Private Send, Point of Sale | Solana-centered, swaps, perps, prediction markets, tokenized stocks, Phantom Cash, Phantom Terminal, usernames |
| Security | Non-custodial, Face ID and biometrics, recovery phrase backup, AML check | Non-custodial, transaction warnings, Ledger support, bug bounty up to $100,000 |
| User Experience | Mobile app synced with desktop; wide network coverage; manual EVM token import | Browser extension and mobile app; short network list, no custom networks |
| Customer Support | Help Center and 24/7 support | Help Center |
| User Reviews | Trustpilot 3.5/5 (32 reviews) | Trustpilot 2.5/5 (10 reviews) |
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