MetaMask vs Phantom
short answerBoth are web3-native neobanks. Phantom is the larger platform (~15M users). Compare custody, license, FX markup and fees field by field below.
MetaMask: Default self-custodial wallet; Agent Wallet: Blockaid scanning, tx simulation, MEV protection.
Phantom: Solana-first multichain wallet; 15M+ users.
Side by side
| MetaMask | Phantom | |
|---|---|---|
| Category | web3-native | web3-native |
| Audience | general | general |
| HQ | Consensys (global) | San Francisco, US |
| Founded | 2016 | 2021 |
| Custody | Self-custodial | Self-custodial |
| Regulation | Self-custodial software | Self-custodial software |
| License detail | Self-custodial software — no banking license needed; card via licensed issuer partners | Self-custodial software |
| Card | MC · Virtual + physical | No card |
| Cashback | Card rewards (region) | — |
| Yield | mUSD ~4% (Monad); DeFi-wide | In-app staking |
| FX markup | — | — |
| Services | crypto on-ramp, crypto off-ramp, crypto-settled card, virtual cards | — |
| Stablecoins | Yes | Yes |
| KYC | Card only | No |
| Regions | North America, Europe, Latin America, Africa, MENA, Asia, Oceania | North America, Europe, Latin America, Africa, MENA, Asia, Oceania |
| Reported users | — | 15M MAU (2025) |
go deeperFull profiles: MetaMask · Phantom — or run your own comparison of up to four in the directory.
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.