What's a crypto wallet? A simple guide to digital ownership

What's a crypto wallet? A simple guide to digital ownership

What's a crypto wallet? A simple guide to digital ownership

Neil

Jul 3, 2025

Jul 3, 2025

Jul 3, 2025

3 min

3 min

3 min

A crypto wallet is a digital tool that manages your access to cryptocurrency. Unlike a physical wallet that holds cash, a crypto wallet stores the keys that prove ownership of your digital assets.

Your cryptocurrency doesn't actually sit "in" your wallet—it exists on a public ledger called the blockchain. Your wallet holds the private keys that let you access and move those assets.

How crypto wallets work

When you own cryptocurrency, you own a record on the blockchain. 

Your wallet contains:

  • A public address (like an account number others can see)

  • A private key (like a password only you should know)

  • An interface to interact with the blockchain

The private key controls your crypto. Anyone with access to it can move your funds.

The seed phrase: your backup system

When you create a wallet, you get a seed phrase—12 or 24 random words that can recreate your entire wallet if lost.

This phrase is essentially your private keys in human-readable form. 

Protect it by:

  • Writing it on paper (never store digitally)

  • Keeping it secure and private

  • Never sharing it with anyone

Custodial vs non-custodial wallets

Custodial: A company controls your keys. Easier to use with recovery options, but you trust them with your assets.

Non-custodial: You control your keys. Full responsibility but true ownership—no third party can access your funds.

Types of wallets

  • Mobile: Smartphone apps, convenient for daily use

  • Desktop: Computer software, more features and security

  • Hardware: Physical devices, highest security for storage

  • Web: Browser-based like MetaMask, easy DeFi integration

How Kelp works with wallets

Using Kelp for liquid restaking maintains wallet control:

  1. Connect your wallet to Kelp

  2. Deposit ETH or liquid staking tokens

  3. Receive rsETH directly to your wallet

  4. Your rsETH stays under your control while earning rewards

  5. Use rsETH across other DeFi protocols

Kelp doesn't hold your tokens—they remain in your wallet throughout the restaking process.

Security essentials

  • Use strong passwords and two-factor authentication

  • Download wallets only from official sources

  • Never enter seed phrases on websites

  • Test with small amounts first

  • Keep wallet software updated

Why this matters

Cryptocurrency transactions are irreversible. Unlike banks, there's no customer service to reverse fraudulent transactions. This responsibility comes with true ownership—no institution can freeze your account.

Getting started

Understanding wallets is essential for DeFi participation. Start by researching reputable options, practicing with small amounts, and properly securing your seed phrase.

Your crypto wallet is the foundation that keeps your assets secure and under your control—whether restaking with Kelp or participating in other DeFi protocols.

Disclaimer: This is not financial advice. Always DYOR and understand the risks involved before depositing into any DeFi protocol.

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