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From crypto to NFTs, a web3 wallet is an essential tool for managing assets and identities in the decentralized space. Here’s what you should know about how it works, and how it unlocks access to the broader web3 ecosystem.

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What is a Web3 Wallet? A Beginner’s Guide To Decentralized Asset Management

Learn how cryptojacking viruses infect computers and phones, how to spot the signs of a hidden miner, and the safest ways to remove malicious mining software from your device.

Cryptojacking Viruses: What They Are and How to Remove Miners from Your PC. Source: Shutterstock

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US spot Bitcoin ETFs experienced their first collective outflow in over two weeks on May 29, after $347 million was pulled from the funds.

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Toncoin (TON) shed off 7% of its value after Elon Musk publicly denounced a rumored $300 million collaboration between Telegram and his AI company dubbed xAI.

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Discover Who is richest in crypto with our in-depth articles that profile the wealthiest individuals in the cryptocurrency world. Our coverage provides detailed insights into the net worth and financial successes of those who have amassed significant wealth through digital currencies like Bitcoin and Ethereum. Explore how these pioneering figures have navigated the volatile crypto market to build their fortunes, understand their investment strategies, and learn about their vision for the future of digital finance. From early adopters and innovators to savvy traders and entrepreneurs, our articles offer a comprehensive overview of the richest figures in the cryptocurrency space. Stay informed with profiles, net-worth estimations, and analyses that highlight the dynamic and ever-evolving world of crypto wealth.

Richest people in crypto net worth

Dive into the heart of the digital currency world with our "Top 10 Crypto Essentials" article series. This concise collection offers a wealth of information, spotlighting the most pivotal and influential aspects of the cryptocurrency landscape. From the best news sites and analysis platforms to the leading wallets and exchanges, each piece is an informative guide to the top resources in crypto. Whether you're a seasoned investor or a curious newcomer, these articles provide essential insights and tools to navigate the vibrant and ever-changing realm of cryptocurrency efficiently.

Crypto Top 10 Directory

Discover the most promising cryptocurrencies for steady growth and resilience in your portfolio through 2025 and beyond.

Top 7 Best Long-Term Cryptos to Invest in for 2025. Source: Shutterstock

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Top 7 Best Long-Term Cryptos to Invest in for 2025

As China outlaws private crypto holdings, traders brace for volatility — explore the potential consequences for bitcoin and the broader crypto industry.

China Bans Crypto Storage: Shockwaves Hit Global Markets. Source: Shutterstock

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China Bans Crypto Storage: Shockwaves Hit Global Markets

Following a hush-hush SEC settlement, eToro quietly adds 12 coins including DOGE and XRP, shaking up US crypto access before its IPO.

eToro’s Secret Move: 12 Coins Unveiled After SEC Deal. Source: Shutterstock

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eToro’s Quiet Surge: 12 New Coins Hit US Market

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The Qubic team has launched Qubic Academy v1, a self-paced educational platform aimed at helping new users, contributors, and developers understand the mechanics behind the fast-growing decentralised protocol.

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Qubic Launches On-Chain Learning Platform to Support Ecosystem Growth

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MiCA-compliant euro, Singapore dollar, and Brazilian real-backed stablecoins debut on XRPL, boosting Ripple DeFi and cross-border payments.

Get the latest news and updates on Ripple (XRP), including in-depth analysis, price predictions, and market trends. Stay informed about major developments in the Ripple ecosystem, partnerships, regulatory changes, and technological advancements that impact XRP. Our comprehensive coverage helps you stay ahead of the market, understand the factors affecting XRP’s value, and make informed decisions. 

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XRP Ledger Welcomes Three New Global Stablecoins This Week.

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XRP Ledger Welcomes Three New Global Stablecoins This Week

Major banks and R3 partner with Solana to tokenize billions in real-world assets, marking a pivotal shift in digital finance and blockchain adoption.

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TradFi Giants Pick Solana for On-Chain Asset Tokenization. Source: Shutterstock

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TradFi Giants Pick Solana for On-Chain Asset Tokenization

XRP has achieved two major breakthroughs—a historic golden cross against Bitcoin and the launch of the first-ever XRP futures ETF.

Discover the latest news and insights on the world of cryptocurrency with Coinpaper.com. Stay up-to-date on the latest trends and developments in the crypto space.

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XRP Breaks Out with First Golden Cross and Futures ETF Launch

Countries with the largest bitcoin reserves. Source: bitbo.io

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Stay up-to-date with the latest legal developments in the world of cryptocurrency. Find out how regulations impact the industry on Coinpaper.com.

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Luxury Dubai apartments are now tokenized on the XRP Ledger, enabling global investors to buy fractions under the city’s new VASP regulatory framework.

Find out the latest news about Non fungible tokens. Learn about their usability and the most interesting NFT projects.

Dubai Launches MENA’s First Licensed Real Estate Token. Source: Shutterstock

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Dubai Launches MENA’s First Licensed Real Estate Token

Articles delving into cryptocurrency related topics. In order to explain them to readers.

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Learn how Congressman and physician Rich McCormick built his multimillion-dollar net worth from ER rooms to Capitol Hill.

Texts about key figures from the world of cryptocurrencies. 

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Rich McCormick Net Worth 

Take a closer look at Tim Sweeney’s financial journey from shareware developer to one of the richest figures in tech.

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Tim Sweeney Net Worth 2025: Latest Estimates 

Learn how Roger Ver built a fortune through early Bitcoin adoption, startup investments, and bold views on digital freedom.

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Roger Ver Net Worth 2025

Discover how Ken Griffin built his $44 billion fortune as the founder of hedge fund giant Citadel.

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Ken Griffin Net Worth 2025 

Learn how "The Mooch" leveraged Wall Street experience and SkyBridge Capital to become a multimillionaire.

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Anthony Scaramucci Net Worth in 2025

Web3 wallets have evolved from a niche curiosity to a popular tool among crypto followers and tech geeks. They serve as the cornerstone of decentralized finance (DeFi), decentralized apps (dapps), and decentralized internet in general, providing the entry point to the new iteration of the global web. But what are they specifically and how exactly do they work?

What is a web3 wallet and how does it work?

A web3 wallet is a digital tool that enables users to securely store and manage their decentralized, blockchain-based assets while interacting directly with 

 and smart contracts. Unlike custodial, exchange-based wallets, web3 wallets operate on a self-custody model, meaning users retain exclusive control over their private keys – the cryptographic credentials that authorize access to their funds and blockchain interactions.

Users’ ability to manage their private keys and their corresponding public keys is a core feature of every web3 wallet. The public key serves as the wallet’s address, allowing others to send assets to the user, while the private key is used to digitally sign transactions and prove ownership. The key signing process is essential for executing blockchain operations in a peer-to-peer manner such as transferring tokens or interacting with smart contracts. 

To ensure security, web3 wallets typically generate a seed phrase – a set of words users can use to recover their wallet in case the device gets lost. Protecting this phrase is critical – anyone with access to it can control the wallet’s assets. Additionally, web3 wallets are secured by regular passwords like those used in emails or other online services.

Wrapping it up, the key components of web3 wallets include the following:

public wallet address: a unique identifier derived from the public key that functions like an account number, allowing others to send digital assets to the wallet,

private key: a secret cryptographic key used to sign transactions and prove ownership,

password: a first layer of defense used to access the wallet application interface,

a seed phrase: a human-readable backup (typically 12–24 words) derived from the private key, which allows full recovery of the wallet if the device is lost or compromised,

user interface: app’s screens and functions that present balances, transaction history, and other details, and allow users to perform actions like sending or receiving funds,

network connectivity: wallets connect to blockchain nodes to broadcast transactions and access on-chain data.

Here’s the general idea about transaction flows in web3 wallets:

The user enters a recipient address, amount, and (optionally) gas fee preferences.

The wallet computes a cryptographic signature using the private key.

The signed transaction is sent to the blockchain network.

Miners or validators include the transaction in a block, and the wallet updates its balance once the block is finalized.

Web3 wallet vs crypto wallet – what’s the difference?

At this point, you may be wondering how web3 wallets differ from “regular” crypto wallets. In many cases, the two terms are used interchangeably – and a web3 wallet is quite often a crypto wallet, and vice versa. 

However, things are not always that simple. A web3 wallet and a crypto wallet represent distinct concepts with important differences in capabilities, user experience, and underlying technology.

Traditional crypto wallets primarily focus on storing and managing cryptocurrency assets such as Bitcoin or Ethereum tokens. As explained above, they safeguard users’ private keys and public keys, enabling secure transactions and asset management. 

However, many traditional crypto wallets operate within or alongside centralized financial institutions or exchanges, which often act as custodians of users’ assets, limiting user control and ownership.

In contrast, web3 wallets are inherently non-custodial solutions built to interact seamlessly with decentralized networks and a broader range of digital assets beyond just cryptocurrencies. This includes not only tokens but also 

, governance rights, and other blockchain-based assets.

Traditional crypto wallets usually lack many of these capabilities. Unlike the latter, web3 wallets emphasize full user control over private keys, ensuring that users themselves hold exclusive access to their funds without intermediaries.

Web3 wallets come in a variety of forms designed to meet different security, usability, and interaction needs. They can be classified by custody model (who holds the private keys) and by access platform (the device or other point of interaction). It’s good to get these distinctions right to be able to choose the wallet that best suits your goals. Let’s zoom in on the details.

In custodial wallets, a third party, such as an exchange or service provider, holds and manages the user’s private keys on their behalf. This model offers convenience and ease of use but sacrifices full user control and increases reliance on the custodian’s security. Examples include: Binance Wallet, Coinbase Wallet, and OKX Wallet.

Non-custodial wallets give users exclusive control over their private keys, aligning with the decentralized ethos of web3. Users are responsible for securing their keys, often backed up by seed phrases. This model maximizes autonomy and security but requires more user responsibility. Examples include: MetaMask, Phantom Wallet, and Trust Wallet.

Multi-signature wallets enhance security by requiring multiple private keys to authorize a transaction. This setup is popular among organizations or groups that want shared control and reduced risk of single-point failures. Examples include: Armory, BitGo, and Casa.

These wallets operate through programmable smart contracts, enabling advanced features like social recovery, spending limits, or automated transactions. They offer flexibility beyond traditional wallets but depend on the underlying blockchain’s smart contract capabilities. Examples include: Argent, Instadapp, and Squads.

Accessible as browser extensions or web apps, they integrate directly with decentralized apps, making them highly convenient for everyday web3 interactions. Examples include MetaMask, 

Installed as software on personal computers, desktop wallets provide robust security and full control over keys. They are dedicated to those who prefer managing assets on their personal computers rather than through web apps. Examples include: Atomic Wallet, Electrum, and Exodus.

Mobile wallets run on smartphones, combining portability with user-friendly interfaces. They often support QR code scanning for easy transaction signing and are ideal for on-the-go access to web3 services. Examples include: Crypto.com Wallet, Mycellum, and ZenGo.

Hardware wallets are physical devices that store private keys offline, providing the highest level of security against online threats. They are considered cold wallets since they operate disconnected from the internet, minimizing hacking risks. Examples include: Ledger Nano X, 

On the other hand, hot wallets are connected to the internet, enabling quick transactions and easy access but exposing users to higher security risks compared to cold wallets. Examples include: Edge Wallet, Exodus, and MetaMask.

It’s a broad category that includes all wallets implemented as software – covering browser-based, desktop, and mobile wallets. They are typically connected to the internet and thus classified as hot wallets. Examples include: Atomic Wallet, Rabby Wallet, and Rainbow Wallet.

Email wallets – a recent category in the web3 industry – allow users to access web3 assets via their email accounts, simplifying onboarding but often involving some level of custodial management. Examples include: Purse.io, Magic Wallet, and Torus Wallet.

Are hot web3 wallets the same as software web3 wallets?

Not necessarily. While most software wallets are indeed hot wallets (meaning they are connected to the internet for easy access), there are exceptions. Some software wallets can function as cold wallets if they allow users to store their private keys offline. For example, Electrum can be used as a cold wallet if set up on an offline device and Armory has an offline mode, making it useful for cold storage. Also, some paper wallets are generated using software but remain in cold storage since they don’t interact with the internet. So while software wallets are usually hot wallets, they can sometimes be configured for cold storage, offering extra security. 

Web3 wallet – key features and functionalities

Crypto wallets have come a long way from secure storage tools to modern-day web3 wallets, becoming sophisticated gateways to decentralized ecosystems. While the fundamentals of self-custody and key pair management remain central, today’s web3 wallet apps use advanced features that elevate user experience and security. 

As already explained, web3 wallets emphasize non-custodial control, where users hold their own private keys, ensuring full user autonomy without intermediaries. They often support multi-factor authentication and biometric verification, adding layers of protection beyond simple passwords. Advanced setups include multi-signature wallets, requiring multiple approvals for high-value transactions to mitigate risks.

Many wallets now function as smart contract wallets, enabling on-chain logic such as batching transactions, gasless flows, and programmable spending limits. This level of automation powers complex operations – like staking on 

 platforms or minting and trading NFTs – with a single click.

Browser-based web3 wallets integrate directly with decentralized applications, letting users sign DeFi swaps or NFT purchases in-page. Mobile wallets handle web3 on-the-go, supporting QR code payments and push notifications for incoming transactions. Hardware wallets store keys offline, offering the highest security for long-term holdings while still being compatible with hot-wallet interfaces. Lastly, email wallets simplify onboarding by linking blockchain identities to familiar email credentials.

Modern web3 wallets enable seamless interaction with DeFi platforms – from lending and borrowing to yield farming – while maintaining interoperability across networks via integrated cross-chain bridges. Users can manage tokens, NFTs, and governance rights for DAOs within a single interface, unlocking new revenue streams and community governance.

Setting up a web3 wallet is fairly easy. Details depend on the type of a wallet and a specific wallet, such as a 

 mobile app or web extension. The process involves a few steps and starts with creating an account. 

Whether you’re installing the extension or a mobile app, the first step is to generate a private key and secure it with a seed phrase. Remember to store the seed phrase safely. It’s crucial for wallet recovery – losing it means losing access to your assets. 

Once your wallet is set up, you can proceed with network selection to connect to specific blockchains. Popular networks like Ethereum or Binance Smart Chain can be added through your wallet’s settings, enabling you to interact with various tokens and assets. 

When using a smart contract wallet, it’s important to note that these wallets allow more advanced features, such as automated actions or token swaps. Some wallets even offer account abstraction, making it easier for developers to integrate complex logic into wallet interactions, creating more customizable user experiences. For added security, many users opt for a multi-signature wallet, requiring multiple approvals for transactions, which provides an extra layer of protection.

With your wallet connected to the blockchain, you can start performing basic operations, like sending or receiving assets to your public address. You can also engage with DeFi protocols, participate in token swaps, and interact with other dapps. 

For details on setting up a specific wallet, check the provider’s website. 

Web3 wallet security and risk considerations

The number one thing to remember when using a web3 wallet is securing your private keys. One of the safest options in this regard is going for a hardware wallet, since it keeps your keys offline, protecting them from malware or phishing attacks and other online threats. 

, while more convenient, are connected to the internet and come with higher risks. For additional security, consider using two-factor authentication (2FA) wherever possible to add an extra layer of protection for wallet access.

Backing up your wallet is non-negotiable. It allows you to prevent loss of access in case your device is compromised or damaged. Most wallets provide a recovery phrase or seed phrase that can be used to restore your wallet. 

It's critical to store it in a safe and secure location, separate from your device. Anyone who gains access to the phrase can take over your assets. For non-custodial wallets, you are the only one responsible for the backup and recovery process.

At all times, stay vigilant of scams targeting web3 wallet users. Phishing attacks are common, where attackers impersonate trusted sources to steal your private keys or recovery phrases. 

Always verify the source of any links or communications before clicking. 

Additionally, be cautious when interacting with unknown or unverified dapps and services that may attempt to exploit vulnerabilities in your wallet. 

By following best practices like using hardware wallets, enabling encryption, and keeping backups secure, you can significantly reduce the risks and protect your assets.

Web3 wallet challenges and adoption barriers

Getting started with a web3 wallet is not difficult but can be a bit tricky for new users. Here are the main challenges that people often face:

 provide strong security but are hard to set up, while software and email wallets are easier but less secure. Hot wallets are convenient to use but vulnerability to online threats adds complexity and may make it harder for beginners to get started.

Features like account abstraction and social recovery offer great potential but aren't yet widely available. Programmable wallets provide advanced functions, but their complexity can overwhelm new users. This lack of consistency across wallets and dapps creates confusion and limits adoption.

MPC wallets offer enhanced security but are too complicated for most users. Basic features like PIN code authorization or managing public wallet addresses can be difficult to navigate, discouraging adoption. Without simpler, more intuitive security measures, users may be hesitant to fully embrace web3 wallets.

These obstacles make it hard for web3 wallets to reach a wider audience, with many users still wary of the complexities involved.

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Rich McCormick is known for his work as a physician and politician, and his estimated net worth is about $5 million as of 2025. As someone serving in Congress, understanding his net worth provides context to his career and interests. This article will give readers a look into how he built his wealth and manages his assets.

Rich McCormick is an American politician, physician, and former Marine. He is known for his leadership in Congress and his previous career in emergency medicine.

Rich McCormick grew up in the United States and was raised in a family that valued service. He attended college and later earned a medical degree, showing a strong interest in science and helping others.

He served as a pilot in the United States Marine Corps. During his military career, he flew helicopters and completed missions in different locations. This experience helped him develop discipline and a sense of duty.

, both in the military and later as a doctor. This mix of military and medical experience shaped his approach to leadership and problem-solving.

After his military service, Rich McCormick became an emergency room physician. He worked in hospitals, treating a wide range of medical conditions. His work in emergency medicine allowed him to see the needs of people from different backgrounds.

McCormick entered politics and became known for his focus on healthcare and veterans' issues. He was elected as a U.S. Representative from Georgia. In Congress, he has worked on laws related to health and support for military families.

He has also been involved with the Republican Party. Many sources identify him as someone with strong views on healthcare and national defense.

Rich McCormick’s financial standing is frequently discussed because of his political career and public service. His net worth has been reported in several major outlets and can be linked to multiple sources.

Estimates for Rich McCormick’s net worth as of 2025 range from $5 million to $8 million, based on recent reporting.

Some financial publications and political disclosure reports list his net worth specifically at about $5 million. A few sources, including posts and articles, suggest the number could be slightly higher, but most reports cluster around the $5 million mark.

It is important to check the date and source of each net worth estimate because values may change with

Rich McCormick’s wealth comes from a mix of assets. According to disclosure forms, much of his financial strength comes from investments,

, and salary from his professional careers.

He has served as a physician and in the military, both of which offered steady income. After becoming involved in politics, his required financial disclosures have shown holdings in stocks, other investments, and possibly some real estate.

Salary from Congress and previous earnings from medicine likely form a key part of his financial base. Investments and assets may add to these totals, depending on market performance and asset appreciation.

When reviewing his financial status, it's helpful to look at current official reports and statements for the most accurate numbers.

Rich McCormick established himself as a prominent advocate for cryptocurrency in the US House of Representatives. He supports legislation like the Financial Innovation and Technology for the 21st Century Act (FIT21), which aims to provide regulatory clarity for digital assets. Additionally, he co-sponsored the CBDC Anti-Surveillance State Act, opposing the issuance of a central bank digital currency by the Federal Reserve due to concerns over financial privacy .

Beyond legislative efforts, McCormick has shown concern for individuals in the crypto industry. He co-introduced a resolution urging the Nigerian government to release Tigran Gambaryan, a US citizen and Binance executive that was detained on charges of tax evasion and money laundering. McCormick characterized Gambaryan's detention as a violation of rights and called for immediate action.

Regarding political ethics, McCormick addressed concerns about President Donald Trump's involvement with the TRUMP meme coin. While acknowledging the legality of the venture, he conceded that such entanglements "maybe...need to be addressed."

Overall, McCormick's actions and statements prove his commitment to supporting the growth and regulation of the cryptocurrency industry.

 have drawn public attention. He has held key roles, faced tough races, and managed significant assets during his time in office.

Rich McCormick is a Republican who has served as a U.S. Representative. He built a strong reputation in his party, especially during the Republican primary. His campaign strategy focused on conservative values, and he won support from several

McCormick has participated in high-stakes House and Senate contests. He has sometimes garnered backing from a super PAC, which helped increase his campaign resources. His voting record and public statements reflect typical Republican positions on major issues.

He is known for being active in debates about spending, taxes, and education. McCormick has voiced strong opinions about budget priorities. His career shows steady growth in both influence and recognition within state and national politics.

Rich McCormick’s time in office has coincided with a steady increase in his net worth. As of May 2025, his estimated net worth ranged between $5 million and $8 million according to several public records.

Most of his assets come from investments, including shares in various companies. Serving in Congress may have given him greater access to financial opportunities, but there are no public reports of unethical financial gains.

Overall, McCormick’s financial growth reflects a combination of investments and his congressional salary. He continues to file required disclosures to keep the public informed.

Investment Holdings and Business Interests

Rich McCormick is known to have diversified financial interests apart from his political career. His investments and business activities include roles in various companies and may include shares and assets in the financial sector.

Rich McCormick does not have any widely reported direct involvement with major hedge funds like Bridgewater Associates. No public records link him as a manager, partner, or significant stakeholder in any hedge fund.

However, as a Director at Wells Fargo & Co, he may have indirect exposure to

 handled by financial institutions. These can include funds managed for clients or proprietary investments, but nothing indicates active management or advising roles in hedge funds.

Any wealth linked to hedge funds would most likely be through passive investments, such as mutual funds, ETFs, or other financial products offered by banks or investment firms. There is no available information that points to him founding, running, or being a board member of a large private fund.

Aside from his financial sector connections, Rich McCormick’s business interests appear to focus on board positions and equity in large companies like Wells Fargo & Co.

Public disclosures and reports list him mainly as a director or investor. He does not seem to own or operate private businesses or startups in other industries.

His financial profile, based on recent reports, shows most of his assets are in publicly traded companies and financial products. There is no confirmed evidence of him diversifying into real estate holdings, technology startups, or other sectors outside large corporate structures.

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Rich McCormick Net Worth

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