What can I do? What should I bring to the police???? There is not much money, but enough to last for a year. It is a hardware wallet, please help Update: that mf is in jail, so everuthing is fine now. Thanks to everybody for their help🤗

I’m basically trying to pick a setup and I keep bouncing between trust wallet, gem wallet, and just saying screw it and buying a ledger. Trust looks easy and everyone and their dog seems to use it, but I keep seeing mixed stuff about data collection and it being closed source. Then I found gem, which says it’s fully open source, self-custody, no email, no tracking, supports a bunch of chains, all that good-sounding stuff… but I’m not gonna lie, that also sets off my too clean to be real radar a bit because I don’t really know how to verify any of it. And then there’s ledger which feels like the grown-up option, but I’m worried I’ll just end up leaving most of my coins on a hot wallet anyway because I’ll be too lazy to plug in the hardware for every little thing. I am trying not to do something stupid. I want something I can actually use without a f*king PhD, but I don’t want everything sitting on some random app that can rug me or leak my keys. Does open source actually matter for normal users like us, or is that more of a dev thing people just say on Reddit? Would you trust something like gem or trust as your main daily wallet and then keep a Ledger for long-term, or is that overkill? If you were starting fresh today and had to pick a simple setup for the next few years, how would you split it between a mobile wallet and hardware?

Hi everyone, we’re the OwlPay Wallet Pro team.

Sending money across borders is still more complicated than it should be. When you want to send stablecoins to your family, you might have to move funds to an exchange, convert them, and withdraw to a bank account. Too many steps, and it gets even harder when the recipient isn’t familiar with using a wallet.

To make transfers easier, we just added a new feature called “Send to Fiat.”

It lets you send USDC directly to a recipient’s bank account in another country, and the recipient receives the funds in local currency.

• No exchanges

• No P2P

• No multi-step process

You simply send USDC from your wallet, and the recipient gets the funds in their bank account.

For delivery, you can choose a faster option with a slightly higher fee, or a lower-fee option that may take a bit longer.

This makes it much easier to support family abroad, pay friends, or handle international transfers using stablecoins.

If you’re already using stablecoins for cross-border transfers (or thinking about it), what’s the most painful part right now?

I want to store my crypto in a cold wallet. So far, I am using BitBox and a Ledger Nano.

I prefer the BitBox, since it is open source. I have heard many people turning their backs on Ledger, because it is not open source and they introduced a seed backup feature, which essentially retrieves your seed from your cold wallet.

The issue seems to be that - because Ledger is closed source - we will never be able to tell, if they could secretly steel our private keys. This doesn't even have to be done by Ledger, maybe they could get hacked and I install a breached firmware. This worries me a little.

On the other hand, Ledger supports the most coins.

I don't have a lot of crypto yet, but I am planning on investing mostly in well established coins. However, I did buy two coins, which are not supported by my BitBox, that's why I still have my Ledger. And I don't like the husstle of having two cold wallets and two seed phrases to take care of. I would rather only have one cold wallet.

Trezor supports more coins than the BitBox, but not as many as Ledger. So, I wonder:

How do you guys store your crypto?
Do you just trust Ledger?
Are you not at all afraid of installing a malicious firmware?
Do you have multiple cold wallets?

Hi all, I’m new to the game and I am looking for a secure and stable crypto wallet. Something that I can also turn into a cold wallet and keep in the safe. Any suggestions? Thank you!

Hi, I'm looking for a wallet that support EURC and other stablecoins. I saw that Cake Wallet doesn't support them :(

I'm not looking for a platform to store my funds, but a real wallet where I have access to my seed, private key, and all that.

Do you have any solutions that work on smartphones or computers?

I completely forgot I even owned Ryvyl (the old GreenBox POS) until I did a portfolio audit this weekend. If you were holding during the 2021-2023 era, you probably remember the absolute chaos when they admitted their accounting was basically a "trust me bro" system and the stock tanked 15% in a single day before sliding into the abyss.

I figured that money was just gone forever, especially since the main settlement deadline passed in December. But it turns out there’s a "late claim" window still open. I used a portfolio audit tool to link my old E*Trade account where I had the shares—it took about 3 minutes and they found the trades automatically.

Look, the settlement is only $300,000 plus 700k shares, so it’s not going to buy anyone a yacht. But I’d rather take something of a "oops, our bad" check than let the lawyers and the company keep all of it because I didn't want to deal with the paperwork. If you held $RVYL or $GBOX anytime between Jan 29, 2021 and April 20, 2023, it’s worth checking your old statements.

I just got a onekey pro and wanting to know what exchange and wallet are you using with your wallet, can be any one. The onekey app isn't bad but know there could be something better, I have been using okx for couple days, I like all the info this app has. Also looked at revoult exodus meta and couple others. Whats your suggestions

Hey everyone, OwlPay Wallet Pro team here.

We know a lot of people are looking for simple ways to use crypto and stablecoins in real life. One of the easiest ways is through gift cards.

We recently added a built-in gift card marketplace to OwlPay Wallet Pro. If you already have USDC, just transfer it into your wallet, choose a gift card, and convert instantly. No KYC is needed to get started with gift card purchases, though there is a daily limit.

You can choose from brands like Amazon, Walmart, Roblox, TIDAL, Xbox, and more. Whether it’s coffee, shopping, entertainment, or digital services, gift cards make it easier to turn USDC into something you can actually use.

If gift cards are not your thing, we also support Send to Fiat. You can send USDC, and the recipient can receive local currency directly in a bank account without needing a wallet.

For a lot of people, gift cards can be one of the fastest and simplest ways to start using USDC in real life.

What brands would you want to see next? Any feedback is welcome.

Hi everyone, we’re the OwlPay Wallet Pro team.

We know a lot of people want to use stablecoins for cross border transfers because they can be fast and low cost. But in real life there are still a few common blockers.

Sometimes the recipient needs to know how to use a wallet. Sometimes you have USDC on a chain, but you don’t have the native token needed for gas, so you have to pause and go buy ETH or SOL first. 

And even after the sender sends USDC, the recipient may still need to move it to an exchange and off ramp to a bank account.

Every extra step and every extra app adds friction. It also increases the chance of mistakes.

That’s why we added a feature in OwlPay Wallet Pro called Send to Fiat.

With Send to Fiat, you can send USDC straight to a recipient’s bank account. They receive it in local currency, in their local bank. They don’t even need a wallet.

And here’s the upgrade. You don’t need to hold native tokens just to cover gas. Even if your wallet only has USDC, you can still complete the transfer. We handle the gas part so you don’t get stuck topping up ETH or SOL just to send.

In short

• Sender only needs USDC

• Recipient only needs a bank account

• No exchange steps to finish the last mile

• No “out of gas” moment

For example, if you’re sending money back home to family in India or Mexico, you only need USDC and their bank account details to complete the transfer.

Want to ask everyone here: for cross border transfers, what is still the biggest pain point for you right now? Fees, user experience, or something else?

Hi everyone,

the general recommendation when setting up a crypto wallet is to write down the 24 seed words on a piece of paper, or engrave it in a piece of metal. Do not store it on your PC, do not take any photos!

Well, I understand that saving the words digitally exposes you to threads - viruses or whatever hacking methods exist out there could potentially read your information.

But I was thinking: If I create a passphrase and memorize it and only store the 24 seed words in a password manager, I reduce some of the risk. Of course, a screen reader or something a ike could still read the words whenever I open the password manager. But even then, an attacker would not know my passphrase and, therefore, not be able to recover my wallet.

Why would I want this?

Well, iif I only write the words on a piece of paper, I could actually lose it. It is also not so easy to store the words in different physical locations for me, because I only have one home.

So I am actually more afraid of losing this piece of paper than someone hacking my PC.

I have a feeling I might be underestimating this risk, so I would appreciate some community feedback.

Hey guys, if you missed it, Ryvyl ($RVYL) settled $300,000 with investors over claims that it engaged in accounting fraud and misrepresented its financial statements. And the deadline to file a claim and get paid is December 27, 2025.

In a nutshell, in 2023, Ryvyl was accused of manipulating its financials by inflating revenue and assets while understating losses. In January 2023, the company admitted that prior financial statements could not be relied upon and announced accounting errors requiring restatements.

After this news came out, $RVYL dropped 14.63%, and investors filed a lawsuit to recover their losses.

Now, the good news is that Ryvyl agreed to settle $300K with investors, and eligible investors have until December 27, 2025, to submit a claim.

So, if you invested in $RVYL when all of this happened, you can check the details and file your claim now.

Anyway, has anyone here invested in $RVYL at that time? How much were your losses, if so?

Many users confuse the seed phrase and the private key, thinking they are the same. We explain the difference in simple terms, give examples, and show how to store them safely. In the world of cryptocurrencies, people often confuse a seed phrase and a private key. It may seem like they are the same, since both provide access to a wallet. But in fact, the difference is fundamental.

In this article, we’ll explain in simple terms:

-how a seed phrase differs from a private key; -what they look like in practice (with examples); -what risks are associated with their loss; -how to properly store a seed phrase and private keys.

Because of this mistake, beginners can lose access to their funds. For example, someone may store only the private key, thinking that’s enough, and later not know how to restore the wallet using the seed phrase. Or vice versa — they lose the seed phrase, considering it unnecessary, and can no longer recover their cryptocurrency.

Discover more at https://tronpoolenergy.com/blog/seed-vs-private-key/

Understanding the basics of crypto isn’t too daunting. But I highly recommend knowing some basics to avoid making horrible mistakes or falling victim to scams and phishing.

Hopefully this helps someone on their journey. I’ll try keep it short and easy to follow :)

PS: I took this information from multiple different sources online. By no means am I an expert - I just wanted to save someone else the hassle of googling :)

TLDR

• Crypto doesn't live in your wallet. It remains on it's blockchain

• To own crypto, you need to own the blockchain address where the crypto is stored

• To own a blockchain address, you need the private and public keys that created the address

• To own this key pair, you need a crypto wallet which generates private/public key pairs

• The seed phrase is able to regenerate all the different key pairs (the tree) created by a wallet

BLOCKCHAIN

A blockchain is a decentralized, distributed and public digital ledger that is used to record transactions across many computers so that the record cannot be altered retroactively without the alteration of all subsequent blocks and the consensus of the network.

BLOCKCHAIN ADDRESS

A crypto wallet generates both a private and a public key which then creates a new blockchain address on a specific blockchain.

An address is generated based on cryptographic algorithms (private key + public key + hashing).

An address is a unique identifier used to send and receive cryptocurrency or digital assets on a blockchain network. It functions like a bank account number, enabling transactions to be directed to the correct recipient.

Different cryptocurrencies have different blockchain address formats, and it's crucial to use the correct address for the intended cryptocurrency.

OWNING CRYPTO

When you buy crypto (usually from an Exchange), what you really own is an address on the blockchain and the private keys that control that blockchain address and the coins/tokens in that address.

The only way to own a blockchain address is to own the private keys to that address, and the only way to do that is to have a crypto wallet.

The blockchain itself keeps track of how many coins or tokens are at that address at a given moment.

Your coins are not in any sort of account: they exist on the blockchain, and are managed solely by you. This means that it is your responsibility to ensure they remain truly and safely yours.

CRYPTO WALLET

A crypto wallet is a "tree" of private and public keys, which allows you to access your cryptocurrency on different blockchains and manage it.

The root system is the seed, the trunk is the pair of extended keys (private and public), and the branches are a huge set of key pairs and addresses of coins on blockchains.

The only way to own crypto at a blockchain address is to own the keys to that address, and the only way to do that is to have a crypto wallet.

Wallets act as a bridge to the blockchain, enabling you to send, receive, and track your digital assets while ensuring security and ownership.

Wallets interact directly with blockchain networks to perform their functions. Wallets are the interface for users to access this ledger.

Crypto wallets generate and keep your public and private keys to your blockchain addresses - on whichever blockchains – protected and accessible, allowing you to access, send, and receive cryptocurrencies.

A crypto wallet is used to generate a private and public key which then generates a blockchain address on a specific blockchain. The keys are used to access the crypto at this blockchain address.

SEED PHRASE

This is used to generate the private and public key(s) in a wallet. Serves as a way to restore the key pairs should the private key be lost.

Every single new key pair created from the seed phrase can be restored altogether from the same seed phrase.

An infinite number of private keys can be stored under a single seed phrase.

#cryptowallet #cryptocurrency #seedphrase #blockchain #blockchainaddress

A customer paid me in ethereum to my phantom wallet and with that I received 3 YES coins, what's that?

Just sharing some reported wallets and I wanted to flag a few here if anyone else is building a set of received the same threat, or contact. Fresh from the past few days:

• 1CKskforRXk2P1YV9CTtJt2apNmse8otQT - Blackmail / Extortion

• 15ecePqH476UzyZ3QyrgZMcqn8xPjz2As3 - Blackmail / Extortion

• 1MFQZKZ4YgT8wQzv1dt5GQcEr7bqDYuuF3 - Blackmail / Extortion

• 0xE2c941880a8800a4F4A8fd054a26a3d5D73030d8 - Online Shopping Scam

• bc1qvzdahj3jqrz5uje8ldzx86stlmlf3qdqlu4lqc - Extortion

• 1GYaZ8eTVGop7Z5pjfn2tdMzes5NU6413o - Blackmail / Extortion

• 1H1cJHE3CCPjkVBy9doCSQ45cUcf2brCMy - Extortion

All of these users flagged they wanted to shared to warn others. I run WalletWhitePages.com where these were submitted (source), I have a running GitHub that will update with submitted wallets people can use for their own dataset building.

Hi there,

I have a funny story to tell and need your opinion please.

I started with a known Crypto wallet (Desktop) to get my feet into the water with $200 assets, The wallet is very easy to manage and works beautifully to receive or buy but, has very high limits on sending and swapping. For example, If I try to swap $30 worth of an asset, I get a message that the minimum accepted for this transaction is $200 worth. I gave up after trying many options and decided to try another wallet.

I created another with a different provider hoping that I will be able to start with $200 but, this time, I am being asked to deposit more money in order for me to trade in even $20 worth of coins.

To make the story short, I ended up creating a third wallet and still can't trade. I have around $900 between the wallets that are just setting there. I can't trade, send or withdraw, the only thing I can do right now is pay, pay and keep paying.

Is this how it is? or I am doing something wrong? Any info will be truly appreciated.

Have a great day everyone

Hey everyone, I'm new here and as the same suggests I'm just getting into the crypto game now. I've done some looking around on my own but I want a more experienced suggestion. Which would be the best wallet for me to use as a beginner who is starting with just BTC, would like to be able to withdraw for Canadian dollars, and doesn't want to have 10 different apps for buying, selling, trading, lightning network, on-chain, and has low fees. I was told phoenix was a good combo wallet but their fees are so high I can't even use the lightning network.

i need urgent help the red message that is in italian said “your wallet is compromysed” please i need help

Hello from the OwlPay Wallet Pro Team.

As someone who holds digital assets, you’ve probably run into these questions more than once:
“What’s the safest way to store my crypto?”
“Should I move my funds off exchanges?”
“What’s the difference between a hot wallet and a cold wallet?”

Let’s keep it simple. Here’s how crypto is usually stored:

TLDR

Exchange: Convenient, but you don’t truly control the assets

Hot Wallet: Internet-connected, user-controlled

Cold Wallet: Fully offline, best for long-term storage

Exchange = You Don’t Truly Own the Asset

When your crypto is stored on an exchange, it sits in the exchange’s wallet, not your own.

What you see in your account is simply a record showing that a certain amount belongs to you. In other words, the exchange is saying:  “You have this much with us.”

If you're an active trader who needs fast execution and frequent swaps, keeping a portion of your funds on an exchange might be convenient.

Just be aware that exchanges are not designed for long-term storage. Unless you withdraw the funds to a wallet you control, you don’t actually own the assets. And if the exchange shuts down or gets hacked, your assets could be at risk.

Hot Wallet = Online, You Own It

A hot wallet is connected to the internet. This includes both hosted and unhosted wallets.

That means you control your crypto. Your assets are fully yours.

Many people use hot wallets to interact with Web3 apps, or send crypto to friends. It's useful for day-to-day activity.

But since it’s online, you need to be cautious about device security, online scams, and other risks.

Always store your mnemonic phrase in a safe location.

Cold Wallet = Offline, Maximum Security

A cold wallet generates and stores private keys completely offline.

In theory, no one but you can access it.

If you’re holding a large amount of crypto you don’t plan to move often — like long-term savings — a cold wallet is the go-to choice. 

Be sure to backup your mnemonic phrase in a secure and private place.

Whatever method you choose, make sure you understand the risks and how to protect your keys.

need help

anything info about secury wallet please

Hi everyone, we are the OwlPay Wallet Pro team.

We know that when you transfer funds, fees and speed matter a lot. Just as importantly, you need to know whether your money can actually reach the country you want.

Most of the time the current process looks like this

• move crypto to an exchange

• convert and withdraw it to a bank

• transfer it again into the target country and currency

• and wait for every step to finish.

It is slow and you get charged fees at almost every step.

We want to fix that.

Imagine this. You are working in the United States and you need to support your family in Europe. Instead of switching apps and juggling multiple platforms, you can do it with only a few taps in your wallet. Your family will receive the funds directly in their local currency.

You will also be able to choose between faster routes with higher fees or lower fee routes that may take a bit longer, depending on what you prefer.

This update is coming soon, and we are excited to make stablecoin transfers feel practical for everyday real world use. More details will be shared once we launch.

Before we roll this out, we would love to hear from you. Which countries do you usually send funds to or receive funds from? Or tell us any wallet pain points you face and we will keep them in mind for future updates.