Stack Wallet Review

Stack Wallet is the pick for privacy-coin holders who want one open-source, no-KYC app spanning Monero, Firo, and the mainstream coins, built by a team whose credibility comes from the privacy community itself.

Get it if you:

• Hold Monero or Firo and want them beside BTC, ETH, and SOL in one app
• Want Epic Cash or Wownero support, which almost nothing else offers
• Refuse wallets with accounts, logins, or identity checks
• Install from F-Droid and want Tor and your own node without extra tooling
• Want coin control over which outputs your transactions spend

Skip it if you:

• Keep large long-term holdings — use a hardware wallet, which Stack cannot pair with
• Live in DeFi and need a dApp browser or WalletConnect
• Want to buy crypto with fiat inside the wallet
• Want staking on ETH, SOL, or ADA
• Want a backup file you can carry to any other wallet

Stack Wallet comes from Cypher Stack, a development and research shop best known for its work in the Monero ecosystem, with the official site also citing Stack Wallet LLC as the operating entity. That pedigree shows in the product: this is a wallet built by people whose day job is privacy cryptography, and the coin roster reads like their resume — Monero, Firo, Epic Cash, and Wownero sit alongside Bitcoin and Ethereum, which almost no other multicoin wallet manages.

The project is demonstrably alive. Version 2.6.0 shipped in June 2026 on the back of regular releases through 2025 and 2026, the GitHub repo has an active contributor base, and WalletScrutiny tracks the app on both iOS and Android. For a niche privacy wallet, where abandonment is the standard failure mode, a visible release cadence is trust evidence — and Stack has it.

Stack Wallet is non-custodial with no asterisk. Private keys are generated and stored locally on your device, the vendor states plainly that it never touches your money, and there is no account, login, or identity check anywhere in the app. Wallet-level KYC does not exist here.

The open-source claim is the full-fat version, and the vendor's own framing is worth quoting because so many rivals fudge this: not partially open, not mostly open, completely open. The entire codebase is public on GitHub, the Android app ships through Google Play, direct APK, and Cypher Stack's own F-Droid repository, and WalletScrutiny tracks the builds. An F-Droid repo is a deliberate signal — it exists for users who refuse to trust app stores, which is exactly this wallet's audience.

Privacy is the design center, not a toggle buried in settings. Tor routing is available as an opt-in, per-node setting that is off by default, coin control lets you choose which outputs a transaction spends — a feature even most Bitcoin-first wallets hide or omit — and you can point the app at your own node, a third-party node, or Stack's default nodes per coin.

The honest gap: no formal third-party security audit has been published. The project leans on its open code and the WalletScrutiny process instead, which is a reasonable posture for a FOSS wallet but a step short of the audit-plus-reproducible-builds trust triad the best open wallets complete.

On track record, there is nothing to report. No hack, no breach, no exploit, no key-generation flaw, no regulatory action, no abandonment scare — nothing. In a category where our audits keep surfacing incidents the vendors would rather not discuss, Stack Wallet has nothing to disclose, and that absence is a scored positive, not a blank.

The roster runs to roughly 25 coins, and the headline is what kind of coins they are. Monero, Firo, Epic Cash, and Wownero are genuinely hard to support — each drags in its own cryptography, sync model, and node infrastructure — and Stack carries all four natively alongside Bitcoin, Ethereum, Solana, Litecoin, Bitcoin Cash, Dogecoin, Cardano, Stellar, Tezos, Nano, Namecoin, and Xelis.

One sourcing note in the wallet's favor: the official homepage still advertises a shorter nine-coin list. That figure is stale marketing — the GitHub README and the shipping app confirm the wider roster. Trust the code over the landing page.

What the roster does not include is the long tail of EVM chains and tokens. There is no Polygon, Base, or Arbitrum support, no ERC-20 universe beyond Ethereum itself, and no NFT features. Stack is a coin wallet, not a chain aggregator.

The app runs everywhere that counts: iOS, iPadOS, Android, Windows, macOS, and Linux. There is no browser extension and no WalletConnect, so connecting to dApps is simply not part of the product — DeFi users will keep a second wallet, full stop.

Recovery follows standard self-custody practice with one wrinkle. Each wallet has its own seed phrase, written down and restorable in the usual way. On top of that, Stack offers an app-level backup that bundles your whole multi-wallet setup into one file — convenient, but that file restores only into Stack Wallet. Individual seeds are portable, the all-in-one backup is not, and anyone planning an exit route to another wallet should know the difference before they rely on the bundle.

The learning curve concentrates in the niche coins. Monero wallets sync, nodes occasionally need switching, and coins like Epic Cash or Xelis assume a user who knows what a node is. Someone arriving from an exchange app will find the mainstream coins easy and the privacy coins a short education. That is the audience trade Stack has chosen, and the app is honest about it.

The built-in exchange routes swaps through third-party providers, with Stack taking a small fee on top of the provider's rate. No account and no wallet-level KYC is required to swap, though the third-party providers set their own policies per pair, so the spread on any given quote is the real cost to check before accepting.

That is close to the whole feature list, and the omissions are the point of this review's score. There is no fiat on-ramp of any kind — you cannot buy crypto with a card here, which doubles as a privacy feature since no payment processor ever sees you. There is no staking. There is no hardware-wallet pairing, so keys live on the connected device with no cold-signing option. And there is no dApp browser or portfolio layer beyond balances.

None of these gaps makes the wallet less safe. Each one narrows who it serves.

Free on every platform, with no account, subscription, or premium tier. The costs you actually pay are network fees on each transaction and the provider fee plus Stack's small cut on in-app swaps. With no on-ramp there is no on-ramp markup to warn about, and the wallet adds no charges of its own beyond the swap fee.