Stack Wallet review (2026)

Verdict

Stack Wallet is one of the few multi-coin wallets that treats Monero properly: getmonero.org lists it among wallets that synchronise locally, so your view key stays on your device. It suits people who hold privacy coins and Bitcoin side by side. If you want hardware-wallet support or a Monero-only app, look elsewhere.

Facts at a glance

Notable features

• Coins: Monero, Bitcoin, Bitcoin Cash, Litecoin, Dogecoin, Firo, Epic Cash, Namecoin and Wownero, among others.
• Privacy defaults: Stack says privacy features are enabled by default; Tor routing is optional and must be switched on.
• Built-in exchange: swaps through third-party providers, with Stack adding its own small fee. Version 2.6.0 added Exolix and Cake Pay gift cards.
• Backups: custom encrypted backup and restore, plus a shared address book across wallets.
• Stack Duo: a sibling app from the same team covering only Bitcoin and Monero, which added Tor support for both in July 2024.

Pros and cons

Who it suits

• People holding XMR alongside BTC, LTC or Firo who want one open-source app.
• iPhone users who want an alternative to Cake Wallet.
• Desktop users who want the same wallet on phone and computer.

If you only hold XMR, a Monero-only wallet such as Feather or Monerujo has a smaller attack surface. For savings, use a hardware wallet with a supported app (Monero hardware wallets).

Getting started

1. Install Stack Wallet from the store listing linked on stackwallet.com, or from F-Droid or GitHub.
2. Add a new wallet, choose Monero and write down the recovery phrase.
3. Open settings and switch on Tor if you want to hide your IP address from nodes.
4. Optionally add your own Monero node in the node settings.
5. Let the wallet finish syncing before you trust the balance; Monero wallets must scan to the current block.

Restoring an existing XMR wallet works through the restore option; set a restore date close to your first transaction to save time.

Stack Wallet or Cake Wallet?

Stack wins on Windows and on coin variety; Cake wins on hardware support and Monero-specific features such as Polyseed and background sync.

Privacy notes

Because the node sees your IP address and broadcasts, turn on Tor in settings or point Stack at your own node. When you use the built-in exchange, the provider sees what you swap and where it goes, and may apply its own checks. Rules differ by country; see is Monero legal?.

Who makes it

Stack Wallet is built by Cypher Stack, a team that also works on Monero research and development; its staff have discussed the FCMP++ upgrade publicly on Monero community shows. That background is one reason Stack's Monero support is deeper than that of most multi-coin wallets. It does not change the basic advice: verify downloads, keep your seed offline and start with small amounts.

Safety notes

1. The official site is stackwallet.com. Type it yourself or use a bookmark, and follow its links to the app stores or GitHub.
2. Check the developer name (Cypher Stack) on app-store listings.
3. Write down your seed and test a restore before sending larger amounts.
4. Keep the app updated ahead of Monero's FCMP++ upgrade, which had no mainnet date as of October 2026.

Frequently asked questions