Ready Review: Your Onchain Alternative to a Bank
Ready—formerly known as Argent—is a next-generation self-custody crypto wallet that positions itself as an on-chain alternative to traditional banking. Combining secure asset storage with spending, earning, and investing features, Ready aims to make decentralized finance accessible to everyday users. This article explores what Ready is, how it works, and why it has gained traction among people looking for a user-friendly yet powerful gateway into the crypto economy. It also reviews its key strengths, limitations, and suitability for different types of users. Read this Ready Review to know more.
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What is Ready?
Ready (formerly Argent) is a self-custody crypto wallet and financial app designed to let users securely hold, manage, and use their digital assets without relying on a traditional bank. It combines the functionality of a crypto wallet with practical financial tools—such as a spending card, earning options, and borrowing features—making it easier for users to interact with the blockchain in a simple, everyday way.
Ready aims to bring the benefits of decentralization to regular users by offering strong security, intuitive design, and features that turn crypto into something you can actually use.
Key Points
- Self-custody first: You fully own your crypto—Ready does not hold your private keys, giving you complete control and enhanced security.
- More than a wallet: Includes spending cards, yield-earning options, swaps, and borrowing against crypto assets.
- User-friendly design: Built to make complex blockchain tools simple, accessible, and usable for both beginners and experienced crypto users.
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Ready Review: Key Features
Spend
- Zero-fee global spending: Use your Ready Card anywhere in the world with no foreign exchange fees or hidden charges.
- Up to 10% cashback: Earn generous cashback rewards on your everyday purchases.
Invest
- Earn 6% on Bitcoin: Ready offers one of the strongest BTC yield options—stake, borrow, or lend your Bitcoin in just seconds.
- Instant on-chain actions: Easily access staking, borrowing, and lending tools directly in the app.
Grow
- Put your crypto to work: Earn up to 6% on USDC and 4% on ETH through secure, on-chain yield options.
- Automated growth: Simple tools that help your savings grow over time without complicated DeFi steps.
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Ready Review: Products Offered
Ready & Card
Ready offers an on-chain alternative to traditional banking, giving everyday users a simple way to spend, save, and grow their money using crypto. With the Ready Card, you can earn cashback on purchases, save with on-chain yields, and spend globally with no hidden fees. The setup is quick—you can sign up in just minutes.
Key Features:
- Cashback on spending: Earn rewards every time you use your Ready Card.
- Global spending with no fees: Spend anywhere with zero FX or hidden fees.
- On-chain savings growth: Earn yield on supported crypto assets.
- Fast signup: Create an account and get started in minutes.
- Self-custody security: You stay in control of your assets—no bank intermediaries.
- Mobile-first experience: Clean, simple app for managing money, savings, and spending.
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Ready Wallet
Designed for people who actively use crypto, Ready Wallet brings fast swaps, easy access to DeFi rewards, and smooth asset management into a clean, intuitive interface. Trusted by more than 2 million users, it’s built to be the crypto wallet you actually enjoy opening every day—whether you’re trading, staking, or exploring new protocols.
Key Features:
- Swap tokens instantly: Trade your favorite assets with fast, secure swaps.
- Earn DeFi rewards: Access staking, lending, and other on-chain yields easily.
- Multi-platform: Available on both mobile and browser extension.
- 2M+ downloads: Trusted by a large global community.
- Advanced crypto features made simple: Streamlined UI for managing portfolios, NFTs, and DeFi interactions.
- Self-custody architecture: You control your keys and your assets.
Web Wallet SDK
Ready also provides a powerful SDK that makes wallet creation effortless for developers. Integration takes just a few minutes, and users can open a fully functional wallet in seconds using only an email address. It’s the simplest way to onboard new users into crypto applications while maintaining security and a seamless experience.
Key Features:
- Fast onboarding: Integrate into apps in minutes with minimal code.
- Email-based wallet creation: Users get a wallet in seconds—no seed phrase needed.
- Secure by design: Built with modern self-custody standards.
- Flexible integration: Works with web apps, dApps, and on-chain products.
- Smooth user experience: Helps developers onboard non-crypto-native audiences easily.
- Scalable infrastructure: Designed for high-volume consumer or enterprise applications.
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Ready Review: Card Types
| Feature | Ready Metal Card | Ready Lite Card |
|---|---|---|
| Material | Premium solid metal for a high-end, durable feel | Lightweight plastic for everyday use |
| Rewards | Highest reward tiers with enhanced cashback potential | Standard cashback on everyday spending |
| Cashback | Up to 10% (varies by category & promotions) | Up to 10%, typically in lower tiers than Metal |
| Global Spending | Yes – no FX fees worldwide | Yes – no FX fees worldwide |
| On-Chain Spending | Seamless crypto-to-spend conversion | Seamless crypto-to-spend conversion |
| Durability | Extremely durable, premium-weighted build | Standard durability, lightweight design |
| Experience | Exclusive, premium, status-focused | Simple, minimalistic, easy to use |
| Ideal User | Frequent travelers, high spenders, premium seekers | Everyday users, first-time crypto card holders |
| Pricing | Typically higher or subscription-linked due to premium build and rewards | Usually lower-cost or free, depending on region and availability |
Ready Review: Card Perks
Ready Review: Ready Wallet Features
Swap and Stake Tokens at Low Fees
Easily trade your favorite tokens and put your crypto to work. Ready Wallet lets you earn staking yields on ETH, STRK, and BTC, all with low on-chain fees and smooth execution.
Earn BTCFi Rewards on Your Bitcoin
Boost your Bitcoin holdings through the BTCFi rewards program. Stake or allocate your BTC to earn additional rewards—giving you more ways to grow your assets beyond passive holding.
2FA Security with Email or Ledge
Security is at the core of Ready Wallet. Enable Two-Factor Authentication using your email or integrate a Ledger hardware wallet for an additional layer of protection and true self-custody security.
Trade on the Move — Mobile & Browser
Access your wallet anytime and anywhere. Whether you’re traveling, at home, or on the go, Ready Wallet works seamlessly on both mobile and browser, making it easy to trade, stake, or manage your assets wherever you are.
Ready Review: Ready Wallet Account Types
| Account Type | Description | Best For | Key Benefits |
|---|---|---|---|
| Standard | Basic wallet with essential functionality and limited features. | New users, everyday use. | Simple setup, core wallet actions. |
| Smart | Enhanced wallet with stronger security and advanced features. | Users who want more protection and functionality. | Better security, more on-chain tools, improved experience. |
| Ledger | Connect and manage your Ledger hardware wallet directly on Starknet. | Security-focused users, cold-storage holders. | Maximum security, hardware-wallet control, seamless Starknet connection. |
| Multisig | Multi-signature wallet for shared access and coordinated approvals. | Teams, organizations, DAOs on Starknet. | Shared control, secure multi-party management, DAO-friendly. |
Ready Review: Earn Rewards on Your Bitcoin
- Stake Bitcoin and earn weekly rewards with a simple, low-friction process.
- Borrow against your BTC at low interest rates (around 1.6%) without selling your holdings.
- Lend WBTC and earn around 3% APY, with no lock-ups and instant withdrawals.
- Spend using your Bitcoin by borrowing USDC and using the Ready Card—zero FX fees and up to 10% cashback.
- BTCFi Rewards Program: Earn from a 100M STRK rewards pool distributed over 6+ months.
- Earn rewards through borrowing, lending, or providing liquidity in Bitcoin DeFi on Starknet.
- Bridge assets (WBTC, LBTC, tBTCm, SolvBTC) into Ready within minutes to start earning.
- Built on secure smart-contracts trusted by major exchanges.
- User-controlled assets: Ready never has access to your funds.
- Includes fraud alerts, 24/7 support, and transparent on-chain activity for peace of mind.
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Ready Review: Fees
- Swaps in the Ready app include a 0.49% fee, clearly displayed on the transaction preview screen.
- Ready Metal Card: 120 USDC for the first year (upfront).
- Ready Lite Card: Free, with a $6.99 shipping fee.
- No FX fees on global spending.
- No conversion fees (1 USDC = 1 USD when spending).
- No top-up fees (network gas may still apply).
- ATM withdrawal allowances: Metal: $800/month fee-free and Lite: $200/month fee-free
- 2% ATM fee for withdrawals above the free monthly allowance.
- Network/gas fees apply for on-chain operations.
- Refunds settle against your next spend instead of appearing instantly.
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Ready Review: Security
- 100% self-custody: You always control your keys and your coins. Only you can access your assets.
- Trusted smart-contract security: The same smart contracts used by major exchanges like Binance, Kraken, and OKX to secure millions in crypto.
- 2FA protection: Enable two-factor authentication using email or a Ledger device for an extra layer of security.
- Fraud alerts: Ready notifies you if suspicious activity is detected—but never takes action on your behalf.
- No custodial access: Ready never has access to your assets; all control stays with you.
Conclusion
Ready positions itself as a powerful, user-friendly bridge between everyday finance and the on-chain world. With features like a global no-fee spending card, easy swaps and staking, high-yield Bitcoin options on Starknet, and multiple wallet types ranging from Standard to Ledger and Multisig, Ready delivers a comprehensive ecosystem for beginners and crypto-natives alike.
Its emphasis on self-custody, advanced security, low fees, and real human support sets it apart in a crowded market. Whether you want to spend crypto like cash, earn passive yield, or manage assets with institutional-grade tools, Ready offers a modern, flexible, and secure solution. For anyone looking to enter or level up in the crypto economy, Ready is a compelling choice.
Frequently Asked Questions
Is the Ready Wallet available on mobile?
Yes. Ready Wallet works on both mobile and browser, allowing you to trade, stake, and manage assets anywhere.
What assets can I stake or swap?
You can stake ETH, STRK, BTC, and swap a wide range of tokens depending on network availability.
Does Ready work globally?
Yes. You can spend with the Ready Card worldwide with zero FX fees, though card availability may vary by region.