Choosing a crypto wallet in NZ comes down to one question: who can reach your private keys? Exchanges and hot wallets keep them online, where hacks, collapses, phishing and malware can strike. A cold hardware wallet like the Tangem 3-card wallet, from NZ$137, keeps them offline and in your hands.
Hot wallet vs cold wallet
- Exchange (custodial): the exchange holds your keys. Not your keys, not your coins.
- Hot wallet: a phone or computer app, handy for pocket money but always online.
- Cold (hardware) wallet: keys stay on a dedicated device, so nobody can move your crypto remotely.
Tangem is a hardware wallet shaped like a bank card. The 3-card pack gives you one everyday card and two backups, and we recommend adding a handwritten seed phrase copy kept somewhere safe. Prefer two cards? Try the Tangem 2-card pack.
A step-by-step guide is coming in our upcoming ebook.
Shop the Tangem 3-card hardware wallet online, from NZ$137
General information only, not financial advice.