Ownbit

Most mobile wallets protect one person's keys on one phone. Ownbit is aimed at the next problem: what happens when a phone is lost, a partner needs a say, or a company needs two or three people to approve a payment. Its answer is multisignature wallets across many chains, set up from the app. A 2-of-2 wallet means every spend needs both keys, so one stolen key can't move funds. A 2-of-3 or 3-of-4 family setup tolerates a lost key. Team setups go to 3-of-5 and beyond, and the homepage example shows a 12,000 USDT supplier payment waiting on signatures.

The site is candid about the trade-off. In a 2-of-2 wallet, losing a key and its backup blocks spending, which is why it points families toward 2-of-3 and offers what it calls 416-day accident protection on family plans.

Ownbit's cold wallet uses a spare phone instead of a hardware device. That phone stays offline and holds the private keys. A second phone runs a watch wallet that sees balances and prepares transactions, and the two exchange only QR codes: scan the unsigned transaction into the offline phone, sign it, then scan the signature back to broadcast. On the hot wallet, seeds are encrypted on the device with scrypt key derivation and AES-256-GCM and are tied to that device, and the wallets follow the BIP32, BIP39 and BIP44 standards. The company says that if Ownbit disappeared, a seed would still restore in wallets like MetaMask or Trust Wallet, and it publishes self-recovery guides for standard and multisig assets.

Coverage includes Bitcoin, Ethereum, BNB Smart Chain, Tron, Solana, several Ethereum layer-2 networks, XRP, Stellar and more, with tokens on supported chains covered by the same multisig. Since version 5.0, the key-handling code in the iOS app and the shared signing code are public on GitHub. The site also says Ownbit has had no security incidents since 2017, which is the company's own claim.

Enterprise MultiSig adds owner, signer and security admin roles, weighted approvals, address whitelists, limits and batch payments, with a web console for co-signing in a browser. A separate Bitcoin inheritance setup is meant to pass funds to heirs without sharing a seed phrase or trusting a custodian.

Every new user gets a 7-day free trial. After that, Membership Lv.1 is $69 a year for three wallets, the cold wallet, offline signing and personal 2-of-2 multisig. Lv.2 is $239 a year for five wallets and family multisig. Lv.3 is $599 a year for unlimited wallets, team and enterprise multisig and inheritable addresses. Every participant who signs in a multisig needs a membership at the matching level, so a family or team pays more than once. Recovery stays available without one.

The privacy policy says no account is needed for a standard wallet and that Ownbit doesn't aim to store seeds or private keys on its servers. To show balances and send transactions, the app does share public addresses, extended public keys and similar technical data with blockchain nodes and Ownbit's own infrastructure. The terms require users to be 18 or older and include an arbitration clause.

It suits people who hold enough crypto that a single lost phone would hurt, couples or families who want shared control, and small teams that need payment approvals. For someone holding small amounts on one device, the yearly fee is hard to justify.