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Cryptocurrency & Blockchain · head to head

Argent vs Copilot Money

Argent logo

Argent

Cryptocurrency & Blockchain

The smart wallet for DeFi and NFTs

From
Free
Rated
-
Full reviewWebsite
Copilot Money logo

Copilot Money

Personal Finance

AI-powered personal finance assistant

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Argent renamed Ready, and argent.xyz now redirects to ready.co, so the Argent name is retired; Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app
  • They diverge on capability: Argent covers Smart Contract Wallet, Copilot Money covers AI-powered insights.

Where they differ

Only the attributes on which Argent and Copilot Money actually diverge.

Attributes where Argent and Copilot Money differ
AttributeArgentCopilot Money
Pricing modelfreefreemium
PlatformsIos, AndroidWeb, IOS, Android
CategoryCryptocurrency & BlockchainPersonal Finance
Founded20182020

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Argent

  • Smart Contract Wallet
  • Social Recovery
  • No Seed Phrase
  • Built-in DeFi
  • NFT Support
  • Ethereum
  • zkSync
  • Starknet

Only in Copilot Money

  • AI-powered insights
  • Spending analysis
  • Budget optimization
  • Financial planning
  • Bank accounts
  • Credit cards
  • Web support
  • IOS support

Both cover

  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Argent

  • Self-custodial wallet on mobilenot Copilot Money
  • Holding digital dollars under your own controlnot Copilot Money
  • Spending through a virtual card with Apple Pay or Google Paynot Copilot Money
  • Connecting to dapps through WalletConnectnot Copilot Money

Copilot Money

  • Tracking spending across connected accountsnot Argent
  • Budgeting by category with automatic transaction taggingnot Argent
  • Investment and net worth trackingnot Argent
  • Reviewing recurring subscriptionsnot Argent

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Argent

  • Renamed Ready, and argent.xyz now redirects to ready.co, so the Argent name is retired
  • The product has shifted toward community cards and digital dollars rather than being presented purely as a crypto wallet
  • Supported chains are no longer listed on the main site

Copilot Money

  • Apple only: web, iPhone, iPad and Mac, with no Android app
  • No free tier; $95 a year billed annually, which works out at $7.92 a month
  • The trial only starts once accounts are connected

Pricing, plan by plan

Argent

Free
  • FreeFree
    • Smart wallet
    • Social recovery
    • DeFi

Copilot Money

Free
  • FreeFree
    • Basic budgeting
    • Spending tracking
  • Premium$12.99/month
    • AI insights
    • Advanced analytics
    • Financial planning

Which should you pick?

Choose Argent if

  • You need smart contract wallet.
  • You want to start without paying.
  • You work on Ios, Android.
  • You also want social recovery.
Argent review

Choose Copilot Money if

  • You need ai-powered insights.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want spending analysis.
Copilot Money review

Questions people ask

Is Argent or Copilot Money better?
Neither clearly leads. Argent starts at Free and Copilot Money at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Argent or Copilot Money?
Argent starts at Free and Copilot Money at Free.
Does Argent or Copilot Money run on more platforms?
Argent runs on Ios, Android. Copilot Money runs on Web, IOS, Android.
Can I use Argent for free?
Both have a free tier, so you can try either at no cost before committing.
What is Argent best used for?
Argent is most often used for self-custodial wallet on mobile, holding digital dollars under your own control, spending through a virtual card with apple pay or google pay, connecting to dapps through walletconnect. Of those, self-custodial wallet on mobile and holding digital dollars under your own control are not what Copilot Money is typically brought in for.
What can Argent do that Copilot Money cannot?
Argent covers Smart Contract Wallet, Social Recovery, No Seed Phrase, Built-in DeFi. Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Both handle Android support.
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