The on-chain Cash App.
Cash App utility + Bitkey-style ownership — behind one passkey.
Bitcoin & Lightning, stablecoins and local currencies in a self-custodial wallet that works on web, iOS and Android.
Seedless · Passkey-based · Multisig · Open source · MIT licensed
How Nuri compares.
This public-style matrix deliberately uses criteria that Nuri itself supports. Green means a clear match. Red means the competitor does not offer the equivalent capability. Yellow means partial, a materially different model, or final verification is still needed.
| Capability | Nuri | Cash App | Bitkey | Blitz | Muun | Strike | Wallet of Satoshi | Bitrefill | Bitwala | AQUA | Phoenix |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Global wallet access | ✓ | — | ~ | ✓ | ✓ | ~ | ~ | ✓ | ~ | ✓ | ✓ |
| Self-custodial | ✓ | — | ✓ | ✓ | ✓ | — | ~ | ~ | ✓ | ✓ | ✓ |
| No seed phrase | ✓ | — | ✓ | — | ~ | — | — | ~ | ✓ | — | — |
| Passkey-based | ✓ | — | — | — | — | — | — | — | — | ~ | — |
| Multisig protected | ✓ | — | ✓ | — | ✓ | — | ~ | — | ~ | ~ | — |
| Recovery without vendor | ✓ | — | ✓ | ~ | ✓ | — | ~ | ~ | ~ | ~ | ✓ |
| Web + iOS + Android | ✓ | — | — | ✓ | — | — | — | ~ | — | — | — |
| Bitcoin & Lightning | ✓ | ✓ | — | ✓ | ✓ | ✓ | ✓ | ✓ | ~ | ✓ | ✓ |
| Stablecoins | ✓ | ✓ | — | ✓ | — | ~ | ~ | ~ | ✓ | ✓ | — |
| Card + bank transfers | ✓ | ✓ | — | — | — | ~ | — | ✓ | ✓ | ~ | — |
| 100% open source · MIT | ✓ | — | ~ | — | ✓ | — | ~ | — | ~ | ~ | — |
Why these rows.
Mainstream first
- Global wallet access
- Bitcoin & Lightning
- Stablecoins
- Card + bank transfers
- Web + iOS + Android
Then the real differentiation
- Self-custodial
- No seed phrase
- Passkey-based
- Multisig protected
- Recovery without Nuri
- 100% open source · MIT
Payments become social.
Nuri can go beyond addresses and invoices: contacts, person-to-person payments and private end-to-end encrypted messaging can make paying someone feel closer to a normal messaging or Cash App flow.
Contact → message → request → pay.
This belongs in the product story, but I would keep it out of the main comparison table until the exact live implementation and scope are confirmed.
For people first. Nerds can go deeper.
The retail page should stay simple. The deeper layer can expose the technical reasons the product is different.
- On-chain multisig smart account
- Hardware security keys / YubiKey / physical passkeys
- Hardware wallet as cosigner
- Open-source NFC biometric hardware wallet
- Programmable permissions for AI agents
- Independent recovery and unilateral exit paths
Research notes.
Competitor architecture changes quickly. Yellow cells are intentional: they are the places to re-check before publishing a public claim.
Cash App
Bitcoin balances are custodial; Lightning is supported. Cash App also added stablecoin support in 2026. Source ↗
Bitkey
Seedless 2-of-3 multisig with independent emergency exit; Bitcoin-focused hardware + app model. Source ↗
Blitz
Self-custodial Bitcoin & Lightning on iOS, Android and web; uses a 12-word seed. Blitz is open source under Apache 2.0, not MIT. Source ↗
Muun
Self-custodial Bitcoin wallet using multisig; native apps are published under the MIT license. Source ↗
Strike
Bitcoin balances are custodial; Bitcoin and Lightning transfers are supported. Source ↗
Wallet of Satoshi
Now offers a self-custody mode, but it uses a 12-word recovery phrase. Source ↗
Bitrefill
Strong living-on-crypto benchmark with Visa card and SEPA withdrawal; users can connect external wallets rather than Bitrefill being a like-for-like self-custody wallet. Source ↗
Bitwala
Current positioning includes seedless self-custody plus Visa and bank transfers; older vault documentation reflects a different legacy architecture, so some cells remain yellow. Source ↗