21MERIDIAN 2140
13 / 104WAL

Wallet

Software or hardware that manages keys, constructs transactions and presents a usable view of funds.

A Bitcoin wallet does not contain coins. Coins remain represented by UTXOs on the network. The wallet stores or coordinates signing keys, identifies relevant outputs and creates transactions.

A custodial wallet lets a provider control the keys and honor account withdrawals. A self-custodial wallet gives the user direct control and direct responsibility. Multisignature arrangements distribute authority across several keys.

A hardware wallet isolates signing keys from a general-purpose computer. Its screen should independently show the destination and amount. Hardware reduces some attack surfaces but does not replace careful backups, verification or supply-chain judgment.

01

Manages keys, not coins

02

Can be custodial or self-custodial

03

Hardware isolates signing

04

Backups are essential

DOC · 001Bitcoin Developer Guide: WalletsDocumentationDOC · 002BIP 32: Hierarchical Deterministic WalletsSpecification
Reviewed 25 July 2026Source-first · No investment advice