MetaMask
Born inside Consensys in 2016, the wallet that onboarded a generation to Ethereum — now shipping mUSD, the Card, and Agent Wallet for autonomous finance.
Default self-custodial wallet; Agent Wallet: Blockaid scanning, tx simulation, MEV protection.
- Who holds it
- You do. Funds sit on-chain in a wallet the company cannot freeze.
- The ledger
- The blockchain — no company keeps the authoritative record.
- If it fails
- Nothing on the company side to fail; but lose your keys and the money is gone for good.
Derived from MetaMask’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | web3-native |
| AI | banking for AI agents |
| HQ | Consensys (global) |
| Founded | 2016 |
| Custody | Self-custodial |
| Regulation type | Self-custodial software |
| License detail | Self-custodial software — no banking license needed; card via licensed issuer partners |
| Card | MC · Virtual + physical |
| Cashback | Card rewards (region) |
| Yield | mUSD ~4% (Monad); DeFi-wide |
| Stablecoins | Yes |
| KYC | Card only |
| Active regions | North America, Europe, Latin America, Africa, MENA, Asia, Oceania |
| Countries | Global |
| Founders | Aaron Davis, Dan Finlay (Consensys) |
| Funding | Consensys ~$725M raised |
| Services | crypto on-ramp · crypto off-ramp · crypto-settled card · virtual cards |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @MetaMask ↗
Common questions about MetaMask
What is MetaMask?
MetaMask is a self-custodial, on-chain-first neobank, headquartered in Consensys (global) and founded in 2016. You hold the keys: MetaMask never takes custody of your funds. It is software rather than a licensed institution (Self-custodial software — no banking license needed; card via licensed issuer partners).
Does MetaMask have a card, and where can you use it?
It issues a Mastercard virtual and physical card, and identity checks apply to the card but not to the wallet. It is available in all 7 world regions tracked here.
Does MetaMask require KYC?
Partly. You can use MetaMask itself without verifying your identity, but ordering its card requires KYC.
What does MetaMask cost?
From the verified fields: cashback Card rewards (region); yield mUSD ~4% (Monad); DeFi-wide. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with MetaMask before relying on them.
Early investors
Head-to-head
MetaMask vs Phantom · MetaMask vs Rainbow
Peers
Phantom · Zengo · MiniPay · Eco (Beam) · Dakota · Solflare
MetaMask appears in
Neobanks that never hold your money (53) · Neobanks where only the card requires ID (33) · Neobanks available in North America (126) · Neobanks available in Europe (144) · Neobanks available in Asia (132) · Neobanks available in Oceania (72) · Neobanks available in Latin America (113) · Neobanks available in Africa (92) · Neobanks available in MENA (85) · Neobanks that issue a Mastercard (150)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.