Initially I thought a mobile wallet would always be second best to hardware, but then I found myself using the phone wallet for small recurring trades and micro-investments because it was so frictionless. There are times when the design choices felt slightly opinionated, and sometimes those opinions get in the way of advanced customization, but for the target user—someone seeking a lovely, easy multi-currency mobile wallet—it hits the mark. On the other, mobile devices are exposed to phishing apps, SIM swaps, and sloppy behavior, so you should adopt simple habits—use strong, unique device passwords, enable biometrics, and never type your seed anywhere other than a secure, offline backup.