Question 1

What is Cap Wallet?

Accepted Answer

Cap Wallet is a self-custody app for your whole financial life. It brings payments, cards, currency exchange, swaps, savings, markets, and business accounts into one place, guided by AI. It works as a mobile app and a browser extension.

Question 2

What does self-custody actually mean?

Accepted Answer

It means your money is held by you, not by us. Your private keys are created and stored on your device. We never see them, never hold them, and cannot access your funds. An exchange holds your money on your behalf. Cap Wallet does not.

Question 3

Can Cap Wallet freeze my account or block my funds?

Accepted Answer

No. We may restrict access to certain app features if we are legally required to, but we cannot freeze, seize, or move your assets, because we do not control your wallet. That is built into how the app works.

Question 4

What is Nia, Cap Wallet’s AI Agent?

Accepted Answer

Nia is Cap Wallet’s built-in AI agent. Nia reviews transactions before you sign them, flags risk, finds cheaper routes and better timing, and answers questions in plain language.

Question 5

Does Nia have access to my funds?

Accepted Answer

No. Nia can analyse and suggest, but it cannot move your money. Every transaction still requires your approval, signed with keys only you hold.

Question 6

How does the Cap card work?

Accepted Answer

The card is funded directly from your wallet. When you spend, the amount converts at the point of sale. There is no need to pre-load a balance or move money in advance.

Question 7

What do swaps cost on Cap Wallet?

Accepted Answer

Around 0.4% on swaps, bridges, and crosschain transfers, plus the network fee, which goes to the blockchain and not to us.

Question 8

Can I connect hardware wallets to Cap Wallet?

Accepted Answer

Yes. You can connect a hardware wallet and sign transactions from it without giving up custody.

Question 9

What is Cap for Business?

Accepted Answer

A set of tools for companies: multi-currency accounts, stablecoin and bank rails, team cards, payroll, expense management, treasury, and accounting integrations.

Frequently Asked Questions

Getting Started

Security and Self-Custody

Nia, Your AI Agent

Payments and Transfers

Card

Swaps, Exchange, and Chains

Savings, Markets, and Investing

For Business

Fees

Account and Support

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