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Crypto · head to head

Argent vs Phantom

Argent logo

Argent

Crypto

The smart wallet for DeFi and NFTs

From
Free
Rated
-
Full reviewWebsite
Phantom logo

Phantom

Crypto

The friendly crypto wallet for Solana and beyond

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; Phantom age requirement of 18 or older to apply for debit card
  • They diverge on capability: Argent covers Smart Contract Wallet, Phantom covers Wallet.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Argent and Phantom actually diverge.

Attributes where Argent and Phantom differ
AttributeArgentPhantom
PlatformsIos, AndroidChrome, Firefox, Ios, Android
Founded20182021

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
  • zkSync
  • Starknet

Only in Phantom

  • Wallet
  • NFT Gallery
  • Token Swaps
  • Staking
  • dApp Browser
  • Solana
  • Polygon
  • Chrome support

Both cover

  • Ethereum
  • Ios support
  • Android support

What people use each for

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

Argent

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

Phantom

  • Cryptocurrency trading including spot and perpetual futuresnot Argent
  • Prediction markets for trading on cultural and global eventsnot Argent
  • Quick money movement between accounts and payment card usagenot Argent
  • Advanced terminal access for power tradersnot 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

Phantom

  • Age requirement of 18 or older to apply for debit card
  • Visa debit card fees may apply but specific amounts not disclosed
  • Debit card limited to Apple Pay, Google Pay, or Visa acceptance
  • Platform operates as fintech, not a bank, with limited banking protections
  • No disclosed transaction limits or commission rates for trading features
  • Technical specifications and supported blockchains lack documentation

Pricing, plan by plan

Argent

Free
  • FreeFree
    • Smart wallet
    • Social recovery
    • DeFi

Phantom

Free
  • FreeFree
    • Multi-chain wallet
    • NFT gallery
    • Swaps

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 Phantom if

  • You need wallet.
  • You want to start without paying.
  • You work on Chrome, Firefox, Ios, Android.
  • You also want nft gallery.
Phantom review

Questions people ask

Is Argent or Phantom better?
Neither clearly leads. Argent starts at Free and Phantom at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Argent or Phantom?
Argent starts at Free and Phantom at Free.
Does Argent or Phantom run on more platforms?
Argent runs on Ios, Android. Phantom runs on Chrome, Firefox, 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 Phantom is typically brought in for.
What can Argent do that Phantom cannot?
Argent covers Smart Contract Wallet, Social Recovery, No Seed Phrase, Built-in DeFi. Phantom covers Wallet, NFT Gallery, Token Swaps, Staking. Both handle Ethereum, Ios support, Android support.

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
Phantom: Does Phantom have access to my cryptocurrency funds?

No. Phantom operates on a self-custodial model where you control your funds. The company explicitly states they never have access to your assets.

Source
Argent: What payments does Ready process?

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

Source
Phantom: What security features does Phantom provide?

Phantom includes scam detection that flags malicious transactions instantly, Ledger hardware wallet integration, transaction transparency so you always know what you're signing, and an open-source blocklist to prevent phishing attacks.

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
Phantom: Does Phantom track my personal information?

No. Phantom prioritizes privacy and states they never track any personally identifiable information or asset balances.

Source
Phantom: What security vulnerabilities qualify for Phantom's bug bounty program?

Phantom offers bug bounty rewards up to $50,000 for discovering vulnerabilities that could result in user fund loss.

Source
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