10 Best Wallets With MPC Security in 2026

By fusing distributed key Best Wallets With MPC Securit (Multi-Party Computation) wallets have emerged as the industry standard for cryptocurrency security in 2026. These wallets prevent single points of failure, guard against hacking, and facilitate safe multi-chain transactions by distributing private keys among several participants.

For people and organizations handling digital assets, MPC wallets offer ease and unmatched security, ranging from user-friendly choices like ZenGo to business solutions like Fireblocks.

What is an MPC wallet?

Users or custodians no longer need to protect a single private key thanks to multi-party computation (MPC) technology. They make use of dispersed private keys among several devices.

Take a private key, for instance, that has ten digits, spanning from 0 to 9. The digits 0 and 1 are stored in the user’s MPC-based wallet; the other digits (2–9) are obtained from four distinct devices.

Transactions can only exit the MPC wallet using the complete 10-digit key because each segment is worthless on its own. Because there is no single point of failure, this approach is safer.

Because MPC wallets are non-custodial, users are entirely in charge of managing their MPC and protecting their money.

Top 10 MPC Wallets in 2026 – Key Points

Wallet	Key Point (Unique Strength in 2026)
Fireblocks	Institutional-grade MPC custody with automated policy engine for enterprises.
Zengo	Seedless MPC wallet for retail users; biometric recovery ensures no seed phrase risk.
Coinbase Wallet MPC	Integrated with Coinbase ecosystem; seamless exchange + MPC self-custody.
Qredo	Decentralized MPC custody network with cross-chain settlement and governance.
Safeheron	Enterprise-focused MPC wallet with audit trails and compliance automation.
Sepior Wallet	dvanced MPC platform with secure key recovery features for multi‑asset crypto management (institutional focus).
Cobo MPC Wallet	Supports DeFi + CeFi with flexible MPC key management for institutions.
GK8 MPC Wallet	Offers offline MPC signing with military-grade security for banks and funds.
BitGo MPC Wallet	Combines MPC with insurance-backed custody for institutional investors.
CoinWallet	Enterprise MPC wallet with customizable key shard thresholds and API access for business integrations.

1. Fireblocks MPC Wallet

Fireblocks describes its tool as a wallet infrastructure service. Detailed pricing is only available directly from Fireblocks, although pricing operates based upon enterprise plans and usage.

Fireblocks employs MPC-CMP (Multi-Party Computation with Cryptographic Micro-Protocols) to mitigate the risks associated with single private keys by distributing key parts to various private \ secure hardware enclaves for each transaction signature.

Fireblocks has wallets supporting more than 50 blockchains, including Bitcoin, Ethereum, and other EVM chains. Based on client requirements, Fireblocks has hot, warm, and cold MPC wallets.

Distinguished by multi-layered security, Fireblocks is the ideal service for fintech companies, cryptocurrency exchanges, and other institutions. Fireblocks is renowned for MPC, endpoint isolation, transaction control policy engines, and integrated compliance layer.

Fireblocks MPC Wallet Key Features:

1. Distributed key signing with enterprise-grade MPC.
2. Secure HSM infrastructure and hardware isolation.
3. More than 1, 000 digital assets supported spanning multiple blockchains.
4. Transaction approval and governance by policy.
5. Seamless integration with Wallet-as-a-Service API.

Pros:

• Highest possible level of security suitable for institutions.
• Support for multiple blockchains and assets.
• Simple management of teams and approvals.
• Auditing and compliance tools are built in.

Cons:

• Expensive and not suitable for casual users.
• For the not so technical users, the setup is complex.
• Operational risk through cloud dependence.

2. ZenGo Wallet

ZenGo has developed a consumer-friendly MPC wallet that, with respect to the current product standards, does not include a conventional seed phrase, and private keys are not stored in a single location. ZenGo has no fixed pricing.

Users can download for free, but in app transaction fees will be incurred on trades. ZenGo has the capacity to support hundreds of assets and tens of networks. ZenGo addresses the applicable risks of loss and theft of assets by developing their own three-factor recovery model.

ZenGo’s networks include Bitcoin, Ethereum, Solana, TRON, and others. In addition to the networks, ZenGo’s MPC model allows ZenGo to support hundreds of assets as well as tens of networks.

In 2018, ZenGo implemented the open-source cryptography and annual audits approach, and because of that, they have never been hacked, which is impressive.

ZenGo Wallet Key Features:

1. Split key storage with seedless MPC cryptography.
2. Additional security using biometric authentication.
3. Hundreds of digital assets and NFTs supported.
4. Alerts for fraud and suspicious activities.
5. Multi-factor recovery is available.

Pros:

• Security is high and there are no seed phrases.
• Mobile experience is fast and seamless.
• Simple interface, even for beginners.
• There are no hacks that are known.

Cons:

• There is no desktop app, only mobile.
• Advanced trading features are limited.
• Potential lack of support for certain assets.

3. Coinbase Wallet (MPC-Enhanced Features)

Coinbase Wallet is self-custody and free, and the Coinbase exchange does not charge, But users incur a cost for each transaction.

Users have private ownership of the keys and the wallet protects Ethereum, Polygon, Solana and 200+ tokens/NFTs and Coinbase increasingly leverages MPC-style signing via its Wallet-as-a-Service offerings to strengthening security without the seed phrase risks.

Biometric verification and dApp protection are also features. This is a great choice for those who are seeking self-custody and want to have a seamless Web3 experience.

Coinbase Wallet MPC Key Features:

1. Management of private keys enhanced by MPC.
2. Authentication via biometrics and a passcode.
3. NFTs and over 200 tokens are supported.
4. Encrypted storage with cloud backup.
5. dApps and DeFi have integrated access.

Pros:

• Coinbase exchange permits easy integration.
• Controls regarding authentication and security are robust.
• There is a wide array of supported assets.
• Novices will appreciate the interface.

Cons:

• Retail is still lacking pure MPC.
• Hot wallets are susceptible to online threats.
• Keys cannot be stored offline in cold storage.

4. Qredo Wallet

Qredo provides users with a distributed MPC (dMPC) wallet and network, and no single private key is stored anywhere. It is free for standard users (there are network transaction fees) and Qredo enterprise pricing varies. dMPC supports cross-chain trading and custody across all major EVM-compatible and Layer-1 networks, and governance controls are also included, along with fines for trying to swap.

Qredo’s dMPC guarantees safe self-custody, customizable organizational policies, and audit trails for compliance. It is especially good for institutional and DAO treasuries that require more governance and cross-chain capability liquidity. It bridges DeFi liquidity while safeguarding assets.

Qredo MPC Wallet Key Features:

1. Multi-party key management via decentralized MPC.
2. Trading and atomic swaps via cross-chain.
3. Workflows and policies for approvals are customizable.
4. Reporting and analytics regarding compliance.
5. Web3 integration via MetaMask and WalletConnect.

Pros:

• Security for a strong institution.
• Operations across chains are enabled.
• There is adaptable compliance and governance.
• Features ready for compliance aimed at regulated users.

Cons:

• A beginner may find it complex.
• The retail side is minimal.
• Support for chains is limited.

5. Safeheron MPC Wallet

Safeheron specializes in open-source MPC + Trusted Execution Environment (TEE) key management, which is more likely a B2B offering. Safeheron’s TEE + MPC architecture employs flexible 2-of-3 or 3-of-3 key shares for signing, which makes it possible to implement a variety of security policies.

It is also designed for institutional and developer use, with a policy of blending good transparency (open-source that can also be audited) with strong MPC crypto. It is designed for custodians, fintechs, and self-custodians who want policy-driven access and enterprise-grade compatibility.

Safeheron MPC Wallet Key Features

1. Cryptography from MPC that is open-sourced.
2. Controls regarding flexible policies and multi-party transactions.
3. Integration for support with multiple chains.
4. Audit trails of enterprise quality.
5. Modular architecture that is friendly to developers.

Pros:

• Openness via custom-built semi-transparency
• Flexibility for developers and businesses to customize
• Solid controls on governance and policy
• Seamless integration with existing systems

Cons:

• Not suitable for casual retail users
• Setup is not simple and is for those with technical knowledge
• Community is not large

6. Sepior MPC Wallet

Sepior is a B2B focused enterprise, MPC key management platform with variable costs based on footprint and volume. Their catalogue of services includes generation of MPC keys, distributed sign, and secure recovery of keys for organizations that manage digital assets.

Sepior is focused on banking, custododial services, and exchanges, supporting a variety of assets and blockchains.

It highlights operational security (no single point of compromise), regulatory compliance, and integration flexibility. Sepior’s MPC systems can integrate with internal systems, making them ideal for large-scale regulated custody environments and enhancing protection against internal collusion and external threats.

 Sepior MPC Wallet Key Features:

1. MPC enterprise-centric key management.
2. Signing with thresholds and secure key recovery.
3. Support for multiple assets and chains.
4. Ready infrastructure for audit and compliance.
5. Tailored for institutional deployments.

Pros:

• Optimal security for large-scale businesses.
• Auditable and compliance ready.
• Enterprises get flexible deployment.
• Solid assistance for institutional processes.

Cons:

• Wallets of consumer grade not available.
• Focus on enterprise means cost is larger.
• Operational Setup may support process need.

7. Cobo MPC Wallet

Cobo Wallet offers MPC custody and wallet services along with a tiered pricing structure (free basic wallet and enterprise plans). It is cross-chain with support for Bitcoin, Ethereum, BNB Chain, Solana, among others.

Cobo merges MPC with multi-signature and policy controls for secure recovery and asset partitioning. It keeps enterprise-grade security (smart policy rules, sign-off rules for transactions) and usability for individuals and teams.

Its MPC design diminishes key theft, and cross-chain support and built-in DeFi features enable users to stake, yield farm, and interact with dApps securely.

Cobo MPC Wallet Key Features:

1. Architecture of hybrid MPC and multiple signatures.
2. Supports thousands of assets among different chains.
3. Added options for staking and yield farming.
4. Custody models for both enterprise and retail.
5. DeFi interface that is friendly to users.

Pros:

• Coverage of assets is wide.
• Participation in staking and DeFi is easy.
• Layers of flexible custody.
• An interface that is clean and simple.

Cons:

• Limited features for DeFi.
• Semi-custodial architecture involves slight risk.
• Not completely self-custody for power users.

8. GK8 MPC Wallet

GK8 gained cold-chain MPC security practitioners, who isolate key shares in air-gapped custody for high security. GK8 pricing is negotiable and enterprise-centered, as they serve asset managers, exchanges, and, custody financial institutions.

GK8’s MPC model keeps private keys in secure modules. Signing processes that are computation coordinated, and do not do key reconstruction, minimize surfaces for potential attacks.

GK8 is compliant in building institutional custodody services frameworks alongside major cryptocurrency protocols.

GK8 MPC Wallet Key Features:

1. Cold-chain MPC key separation in air-gapped settings.
2. Enterprise-focused custody option.
3. Signing transactions offline and securely.
4. Institutional tools compliant with regulations.
5. Holds large-scale digital assets.

Pros:

• Super safe offline environment.
• Made for institutions reserves.
• Significantly diminishes attack surface.
• Good proximity in the line of regulation.

Cons:

• Not fit for retail users.
• Pricing is for enterprises.
• Setup is tight and more rigid.

9. BitGo MPC Wallet

BitGo has an MPC model for digital assets custody in digital asset custody and has tiered enterprise pricing based on assets under custody. It offers support for more than 100 tokens across major blockchains like bitcoin, ethereum, and others.

BitGo has cold storage, integrated trading/ treasury, and other additional services like primary compliance and custom enterprise controls.

The user setting compliance attributes in BitGo’s system controls trade and treasury access and defines parameters in custody and equity. Adjustments in BitGo are Enterprise direct.

BitGo MPC Wallet Key Features:

1. MPC for custody and management of multiple assets.
2. Governance and multiple user approvals workflows.
3. Insured storage of assets.
4. Treasury management and trading on the platform.
5. Support for Bitcoin, Ethereum and over 100 tokens.

Pros:

• Respected security for total institutions.
• Asset insurance.
• Chains and multiple flexibility.
• High-level governance and multiple users.

Cons:

• Costs a lot with smaller holders.
• For total enterprises. Not for newbies.
• Hot wallets can have a risk of going online.

10. CoinWallet (CoinsDo) MPC Wallet

CoinsDo’s CoinWallet uses MPC for customizable access security with adjustable access levels and API integrations (fees vary with business plans). It is multi-chain, supporting Ethereum, BNB Chain and more. Organizations can control who signs and how signatory approvals are structured, to adapt to their team governance.

The security model is based on the absence of singular private keys and the presence of distributed signers guarded by MPC and policy controls. CoinWallet is tailored for governance flexibility, integrated with existing systems and dApps, companies and platforms.

CoinWallet (CoinsDo) MPC Wallet Key Features:

1. Configurable MPC key shares and signing thresholds which can be adjusted in policies.
2. Business platform API integrations.
3. Support for multiple chains and assets.
4. Transaction approvals based on policies.5. User workflows and team governance.

Pros:

• Organizational flexible governance.
• Extensive support for blockchains and assets.
• Workflows with custom approvals.
• Security that is enterprise-ready.

Cons:

• Not suited for casual users; enterprise-focused.
• Complexity of setup for smaller teams.
• Less community support, given the user base size.

Key Benefits of Best Wallets With MPC Security

Removes Single Point of Failure

Full private keys cannot be retrieved by a single device or individual because MPC wallets distribute private keys into separate shards. Thus, hacking or the theft of one shard is unlikely.

Seedless Recovery Models

MPC wallets offer customers recovery alternatives that are less risky and easier to use by eliminating exposing seed phrases, and instead offering social, biometric, or institutional recovery.

Institutional-Grade Security

Large businesses gain Institutional MPC wallets because of the advanced policy engines, automation of compliance, and audit trail cover. Therefore, these wallets are best for banks, crypto custodians, and institutions.

Cross-Chain Flexibility

MPC wallets have the ability to use multiple chains at the same time, allowing safe transactions to be made on Ethereum, Bitcoin, Layer-2 networks, and new chains without losing custody or governance.

Enhanced User Accessibility

MPC wallets like Zengo are aimed at retail customers and democratize crypto ownership. They offer easy to use wallets, biometric authentication, and recovery options so advanced crypto users can use them.

DeFi + CeFi Integration

MPC wallets provide a unique solution to the problem that exists between centralized and decentralized finance by allowing users and institutions to use DeFi and custody services with the same MPC.

Regulatory Compliance Support

Global standards can be integrated with business processes using customizable approval rules and governance structures, along with transaction logs that are ready for audit.

Insurance-Backed Custody

Confidence for institutions holding tens of billions of dollars in cryptocurrency is bolstered by insurance and crypto protection that some MPC wallets like BitGo offer.

Offline Signing Options

Remote cyber-attacks are thwarted by solutions like GK8 which offer offline MPC signing, so that transactions can be signed and validated with no internet.

Scalable Enterprise Deployment

Global fintechs and corporations can be served by structurally scalable MPC wallets that support thousands of users, automated processes, and multi-layered signature requirements.

Conclusion

In 2026, wallets with MPC security represent the pinnacle of cryptocurrency protection. They combine the latest in cryptography, multi-party key management, and transaction controls. Providers of such wallets include Fireblocks, ZenGo, Coinbase Wallet MPC, and Qredo.

All of them have both business and retail wallets where private keys are never fully compromised. Such wallets assist in key security, asset security, multi-chain support, easy recovery, governance, compliance, and transaction controls.

Business wallets are better when it comes to scalability and the enforcement of governance policies, while retail wallets are better with usability. In summary, MPC wallets are great in preventing hacks and human error. They are a must have for the management of crypto assets.

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