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coin98 review

Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Coin98 is a free software wallet that suits readers who want self-custody across a wide coin list without paying anything up front. It prices at $0, supports 150 coins and ranks 1 of 120 brands on price, though the support line runs on help centre only.

Key facts

Best for
A free, self-custody software wallet covering 150 coins with a built-in dex.
Wallet type
Software↗
Price
$0↗
Custody
Self custody↗
Coins supported
150↗
Backup options
Seed↗
Headquarters
Vietnam↗
Founded
2017↗
Support channels
Help-centre↗
Features
Self-custody
Official website
coin98.com

Crypto exchanges

Derivatives
Yes↗
Exchange type
Dex↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App Store
Elsewhere
Xgithub.comt.me

Pros and cons

Pros

  • The wallet costs $0 to start, which puts it at 1 of 120 brands on price
  • Coins stay in your own hands: custody is self custody
  • A coin list of 150 is well above the 49 median across wallet brands
  • Backup is by seed phrase, the option most wallet brands use
  • A built-in dex of the dex kind means swaps sit inside the same app

Cons

  • Support runs on help centre only, with no live chat or phone line listed
  • A software wallet keeps keys on the device you use daily, unlike Trezor's hardware wallet
  • Backup rests on seed phrase alone, while share splitting and recovery services stay rare across wallet brands at 5.8% and 21.2%
  • The offer side scores 6.3 against a cost part of 8.1
coin98

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Scored 9.1 / 10 by HodlCue.

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Who it suits

  • Readers who want a free wallet and keep full control of their own keys
  • Anyone trading inside a long coin list rather than a handful of major assets
  • People who prefer a self-custody setup over an account held by a provider

Who should look elsewhere

  • Readers who want a hardware device, since Trezor is built as a hardware wallet
  • Anyone who wants a mobile app on the terms of Bit2Me, listed as a mobile wallet
  • Readers who would rather hold funds with a provider, as bynex is custodial

Security and backup

Custody at Coin98 is self custody, so the keys sit with the holder rather than with a provider. That is the arrangement most wallet brands in this comparison describe, and it means recovery is the holder's own job. Backup is by seed phrase, the method used by 82.7% share of wallet brands, while share splitting and recovery services are far rarer at 5.8% and 21.2%. The device type is software, so the keys live on the phone or computer used day to day rather than on a dedicated piece of hardware. Readers who want keys isolated from an internet-connected device would look at a hardware wallet instead. Protection against loss therefore rests on how the seed phrase is written down and stored, and self-custody also means a lost phrase leaves no one to ask for a reset.

Where it sits among rivals

On price, Coin98 sits at 1 of 120 brands, and the wallet itself is $0. Wallets as a group rarely charge anything: the median price across the ranking is €0, with a top quartile reaching €54. On coin count, Coin98 supports 150, placing it at 36 of 108 brands and well past the 49 median for wallets, though the upper quartile runs to 383.25. That spread is worth noting: a longer list means more chains to configure and more assets to check before a swap. The overall score for the page is 7.3, with a cost part of 8.1 and an offer part of 6.3, so the cheap entry price carries more weight here than the breadth of what sits behind it.

Who runs it

Coin98 is based in Vietnam and was founded in 2017, so the operation is established rather than new to the market. Support runs on help centre only. For a self-custody wallet that is less serious than it would be for an exchange account, but it still means questions about a stuck transaction or a mis-sent coin go through written answers rather than a person on a call. Among wallet brands, a help centre is the most common channel at 85.7%, with email close behind at 70.6% and community groups at 47.9%. The comparison set has 151 wallet brands in total, of which 65 are licensed.

How coin98 compares

Frequently asked questions

What does Coin98 cost to use?+

The wallet is $0, and it ranks 1 of 120 brands on price. Most wallet brands charge nothing at all, with a median price of €0 across the ranking. Trading costs still apply once swaps are made inside the app.

Who holds the coins in a Coin98 wallet?+

Custody is self custody, so the keys stay with the holder and the wallet does not lend them out. Recovery then depends entirely on the backup. A custodial setup works the other way, where a provider keeps the keys and can restore access.

How is a Coin98 wallet backed up?+

Backup is by seed phrase, which is what 82.7% of wallet brands use. Share splitting and third-party recovery services are much rarer, at 5.8% and 21.2%. The phrase needs storing offline and kept private.

What type of wallet is it, phone or hardware?+

It is a software wallet, so the keys live on the device used day to day. Trezor is a hardware wallet and Bit2Me a mobile one. A software wallet is easier to set up but offers less isolation from a compromised device.

How many coins can I hold?+

Coin98 supports 150 coins, which puts it at 36 of 108 brands. The median across wallet brands is 49, so this is a long list by comparison. A broader list also means more chains and more assets to check before trading.

Can I trade inside the Coin98 wallet?+

Yes. A dex is built in, and the exchange type is dex. Most brands in the ranking are the centralised kind at 98.5%, with decentralised venues a small minority at 1.5%. Swaps happen without leaving the wallet.

Does Coin98 offer derivatives?+

Derivatives are a yes, so leveraged trading is part of the product. That is the minority case among wallet brands, where 59.4% do not offer them. Leveraged products carry a higher risk of loss than spot trading.

How do I get help from Coin98?+

Support runs on help centre only, which means written answers rather than a live chat or a phone line. A help centre is the most common setup in this category, at 85.7%. Anyone who needs to speak to someone about a stuck transaction should weigh that first.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

coin98

coin98

A free, self-custody software wallet covering 150 coins with a built-in dex.

9.1/10See alternatives