Oppi Wallet is a multi-currency digital wallet platform that enables users to manage, trade, and spend a range of cryptocurrencies. The service integrates a virtual crypto card, allowing for digital asset spending at merchants that accept VISA or Mastercard. The platform is registered as a Virtual Asset Service Provider (VASP), indicating adherence to regulatory standards for financial transparency and security. ^[1]​

Overview

Oppi Wallet is designed to connect digital asset management with conventional financial transactions. It provides a single application for users to buy, sell, store, and exchange various cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), and stablecoins like USDT. The platform's central feature is its virtual crypto card, which links a user's cryptocurrency holdings to a payment card that can be used for online shopping, in-store payments, and other transactions. ^[1]​

The service targets both individual cryptocurrency users and businesses. For individuals, it offers tools for portfolio management and daily spending. For businesses, Oppi Wallet provides a dedicated portal intended to facilitate crypto-based operations such as payroll, vendor payments, and cross-border settlements with instant transaction finality. The platform is available as a web application and on mobile devices through the Apple App Store and Google Play Store. As of late 2024, the company claimed a user base of over 100,000 individuals worldwide. ^[1]​

History

The public launch period for Oppi Wallet began in May 2024, marked by the creation of its official X (formerly Twitter) account and the initial release of its application on the Apple App Store on May 7, 2024. Prior to or around its launch, the platform underwent a security audit conducted by the blockchain security firm Cyberscope, which resulted in a "Verified for Compliance" certification displayed on its website. ^[1]​

Throughout 2025, the project used its social media channels to announce and promote various features. On June 10, 2025, a post on X highlighted the ability for users to book flights using their Oppi Wallet balance. On July 18, 2025, the company promoted the card's security features, specifically the ability to instantly freeze and unfreeze it from within the app. Subsequent communications on August 5, 2025, emphasized the platform's low transaction fees for assets including Solana (SOL), Bitcoin (BTC), and USDT. On August 11, 2025, a post showcased the wallet's feature for viewing and filtering transaction histories. ^[2]​

Features

Oppi Wallet's features focus on asset management, trading, and real-world spending capabilities. A business-oriented solution is also offered.

Asset Management and Trading

The wallet supports the storage, sending, and receiving of multiple cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), USDT, and Solana (SOL). It includes a portfolio tracker that allows users to monitor the real-time performance of their digital assets. ^{[1] [2]}​

The platform facilitates the direct purchase and sale of cryptocurrencies through various payment methods, such as credit/debit cards, bank transfers, Apple Pay, and PayPal. A key trading feature is its instant swap function, which enables users to exchange between hundreds of supported crypto-assets. The company states these swaps are executed at competitive market rates with low fees, which it described in a marketing post as costing "pennies." Users can also view a detailed transaction history that can be filtered by date and specific coin. ^{[1] [2]}​

Virtual Crypto Card

Oppi Wallet provides users with the ability to generate a virtual payment card linked directly to their cryptocurrency balance. This card, operating on the VISA or Mastercard network, can be used for online purchases, in-store payments, and ATM withdrawals in over 100 countries. It is marketed with a fee structure that includes no monthly or annual fees. ^{[1] [2]}​

A primary security feature for the card is the user's ability to instantly freeze and unfreeze it from within the Oppi Wallet application, providing control in case of loss or suspected unauthorized use. ^[2]​

Oppi for Business

The platform includes a solution called "Oppi for Business," a portal designed for companies seeking to integrate cryptocurrency into their financial operations. Advertised use cases for this service include managing corporate payrolls, paying vendors, and conducting cross-border payments with the benefit of instant settlements. ^[1]​

Planned Features

The company has announced plans for an "Earn & Grow" feature. This service is intended to allow users to stake or hold their cryptocurrencies within the wallet to generate rewards or interest over time. ^[1]​

Technology and Security

Oppi Wallet's architecture and security protocols are built to comply with financial regulations while providing users with digital asset management tools.

Wallet Architecture

The wallet's design appears to be a hybrid model, incorporating elements of both non-custodial and custodial systems. The website makes the claim that users "have 100% control over your crypto keys," a characteristic of a non-custodial wallet where the user is solely responsible for securing their assets. ^[1]​

However, other platform features are typical of custodial services, where the provider holds assets on behalf of the user. These include the implementation of Know Your Customer (KYC) procedures, VASP certification, and the issuance of centrally managed virtual cards. The likely operational model is that users maintain self-custody over their primary wallet, while funds designated for trading or for loading onto the virtual card are transferred to a regulated, custodial account managed by Oppi Wallet. ^[1]​

Security Measures

Oppi Wallet employs several security measures to protect user accounts and funds. The platform uses AES-256 encryption, often referred to as "bank-grade" encryption. Account access is further secured with mandatory two-factor authentication (2FA) and support for biometric login via fingerprint or facial recognition. The platform's smart contracts and infrastructure underwent a third-party security audit by Cyberscope. ^[1]​

Compliance

Oppi Wallet is registered as a Virtual Asset Service Provider (VASP). This registration requires the platform to adhere to a regulatory framework designed to ensure financial transparency and protect users, in line with international anti-money laundering standards. To meet these obligations, the platform has integrated full Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures. These checks are a prerequisite for accessing its financial services, including buying and selling cryptocurrency and using the virtual card. ^[1]​

Adoption and Availability

According to its official website, Oppi Wallet had acquired a user base of over 100,000 individuals worldwide by late 2024. The platform's services are accessible through a web application as well as mobile apps for both iOS and Android, available on the Apple App Store and Google Play Store, respectively. The company also cites a 4.7-star rating, which is presumably an aggregate from its app store listings. ^[1]​

As of late 2025, the official Oppi Wallet X account had accumulated over 3,100 followers. The project also maintains a presence on Telegram through a community bot. ^[2]​