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Crypto · head to head

Argent vs MakerDAO

Argent logo

Argent

Crypto

The smart wallet for DeFi and NFTs

From
Free
Rated
-
Full reviewWebsite
MakerDAO logo

MakerDAO

Crypto

The decentralized stablecoin protocol

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; MakerDAO makerDAO is governed as a decentralized autonomous organization by MKR token holder vote rather than a vendor, so it has no company-set price list, subscription tiers or sales contact; access and fees (stability fee, liquidation ratio) are set by on-chain governance vote rather than published as a product price
  • They diverge on capability: Argent covers Smart Contract Wallet, MakerDAO covers DAI Stablecoin.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Argent and MakerDAO actually diverge.

Attributes where Argent and MakerDAO differ
AttributeArgentMakerDAO
PlatformsIos, AndroidWeb
Founded20182015

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

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 MakerDAO

  • DAI Stablecoin
  • Vaults
  • Stability Fees
  • Liquidations
  • Governance
  • MKR Token
  • DAI
  • Spark Protocol

What people use each for

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

Argent

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

MakerDAO

  • Definot Argent
  • Stablecoinnot Argent
  • Lendingnot 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

MakerDAO

  • MakerDAO is governed as a decentralized autonomous organization by MKR token holder vote rather than a vendor, so it has no company-set price list, subscription tiers or sales contact; access and fees (stability fee, liquidation ratio) are set by on-chain governance vote rather than published as a product price

Pricing, plan by plan

Argent

Free
  • FreeFree
    • Smart wallet
    • Social recovery
    • DeFi

MakerDAO

Free
  • FreeFree
    • DAI minting
    • Vaults
    • Governance

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 MakerDAO if

  • You need dai stablecoin.
  • You want to start without paying.
  • You also want vaults.
MakerDAO review

Questions people ask

Is Argent or MakerDAO better?
Neither clearly leads. Argent starts at Free and MakerDAO at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Argent or MakerDAO?
Argent starts at Free and MakerDAO at Free.
Does Argent or MakerDAO run on more platforms?
Argent runs on Ios, Android. MakerDAO runs on Web.
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 MakerDAO is typically brought in for.
What can Argent do that MakerDAO cannot?
Argent covers Smart Contract Wallet, Social Recovery, No Seed Phrase, Built-in DeFi. MakerDAO covers DAI Stablecoin, Vaults, Stability Fees, Liquidations.

Answered from the vendors’ own pages

Argent: Why does Ready not publish pricing?

Ready's website emphasizes a rewards model where purchases earn points redeemable for rewards, suggesting pricing may be tied to merchant margins or a commission-based structure rather than a published per-transaction fee.

Source
Argent: What payments does Ready process?

Ready functions as a digital wallet and money transfer service integrated with rewards redemption capabilities.

Source
Argent: How do I get started with Ready?

The site directs inquiries to help.ready.co and does not disclose trial availability or onboarding details on the public homepage.

Source
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