# GeroWallet - Complete Reference

> GeroWallet is a non-custodial multi-chain cryptocurrency wallet with an integrated crypto debit card for Cardano (ADA), Midnight, and Apex Fusion blockchains.

## Company Overview

GeroWallet was founded in 2021 with the mission to make cryptocurrency accessible and spendable in everyday life. The wallet combines self-custody security with real-world spending through its integrated Gero Card. GeroWallet is the only Cardano wallet with a built-in crypto debit card.

## Products

### GeroWallet (Non-Custodial Wallet)

GeroWallet is a non-custodial (self-custody) cryptocurrency wallet available as a browser extension for Chrome and Brave, with mobile apps planned. Users maintain full control of their private keys and funds at all times.

**Supported Blockchains:**
- **Cardano** (ADA) - Primary blockchain. Full support for native tokens, NFTs, staking, governance, and DeFi.
- **Midnight** - Privacy-focused blockchain using zero-knowledge proofs. GeroWallet is among the first wallets to support Midnight.
- **Apex Fusion** - Cross-chain interoperability blockchain.

**Wallet Features:**
- Send and receive ADA and Cardano native tokens
- View real-time portfolio balances and transaction history
- Connect to Cardano dApps (DeFi protocols, NFT marketplaces, etc.)
- Import/export wallet via seed phrase
- Multiple account support
- Address book for frequent contacts
- Hardware wallet integration (Ledger, Trezor, and Keystone)
- Passkey authentication for secure, passwordless login and transaction signing (biometrics, fingerprint, Face ID)

### Gero Card (Crypto Debit Card)

The Gero Card is a Mastercard crypto debit card that allows users to spend their cryptocurrency at over 80 million merchants worldwide, anywhere Mastercard is accepted.

**Card Features:**
- Mastercard network acceptance (80M+ merchants globally)
- Self-custody model: funds remain in the user's wallet until the moment of purchase
- Available as virtual card (instant) and physical card
- Zero transaction fees during promotional period (until June 2026)
- $GERO token holders receive permanent fee waivers
- European-regulated through Satchel.eu partnership
- Support for spending ADA and other supported cryptocurrencies

**How It Works:**
1. User has crypto in their GeroWallet
2. User makes a purchase with Gero Card at any Mastercard merchant
3. At the point of sale, the equivalent crypto amount is converted and sent to the merchant
4. User's wallet is debited only at the time of transaction (self-custody)

### Gero Nexus (API Platform)

Gero Nexus is a developer and business API platform that provides:
- Cardano blockchain integration tools
- Transaction building and submission APIs
- Wallet-as-a-service for businesses
- Dashboard for API key management and analytics

## Feature Details

### Staking
- Delegate ADA to the Gero2 stake pool
- Earn approximately 4-6% annual percentage yield (APY)
- No lock-up period (liquid staking - ADA remains spendable)
- Staking rewards distributed every epoch (5 days)
- One-click delegation from within the wallet
- Real-time rewards tracking

### Token Swap (DEX Aggregator)
- Aggregates liquidity across multiple Cardano DEXs
- Finds the best swap rates automatically
- Supports all Cardano native tokens
- Slippage protection and limit orders
- Low transaction fees

### NFT Management
- View all Cardano NFTs in a gallery view
- Send and receive NFTs
- View NFT metadata and properties
- Support for all Cardano NFT standards (CIP-25, CIP-68)

### Governance
- Vote on Cardano Improvement Proposals (CIPs)
- Participate in on-chain governance as introduced by the Chang hard fork
- Delegate voting power to Delegated Representatives (DReps)
- View proposal details and voting history

### Perpetuals Trading
- Trade crypto perpetual contracts
- Long and short positions
- Leverage trading
- Built into the wallet interface

### Cashback Program
- Earn cashback rewards on Gero Card purchases
- Rewards paid in crypto
- Tiered reward rates based on $GERO token holdings

## Security

- **Non-custodial**: Users hold their own private keys. GeroWallet never has access to user funds.
- **Open source**: Code available for community review
- **Passkey authentication**: Secure, passwordless login and transaction signing using device biometrics (fingerprint, Face ID)
- **Hardware wallet support**: Ledger, Trezor, and Keystone integration for cold storage
- **Encrypted storage**: Private keys encrypted locally on device
- **No tracking**: No personal data collection beyond what's necessary
- **Security audits**: Regular third-party security audits

## Technical Details

- **Platforms**: Chrome browser extension, Brave browser extension (mobile apps planned)
- **Wallet Standard**: CIP-30 compliant (Cardano dApp connector standard)
- **Token Standard**: Supports CIP-25 and CIP-68 NFT standards
- **Free to download and use**: No subscription fees
- **Chrome Web Store**: https://chromewebstore.google.com/detail/gero-dashboard/bgpipimickeadkjlklgciifhnalhdjhe

## Comparisons

### vs Yoroi Wallet
GeroWallet offers more features than Yoroi including DEX aggregation, NFT management, governance voting, perpetuals trading, and the integrated Gero Card. Yoroi is a simpler wallet focused primarily on staking.

### vs Eternl Wallet
Both are feature-rich Cardano wallets. GeroWallet differentiates with the integrated Gero Card for real-world spending, a more beginner-friendly interface, and multi-chain support (Midnight, Apex Fusion).

### vs Nami Wallet
Nami is a lightweight dApp connector wallet. GeroWallet provides a more complete experience with staking, swaps, NFTs, governance, and the Gero Card, while maintaining ease of use.

### vs Lace Wallet
Lace (by IOG) focuses on simplicity and governance. GeroWallet offers the same plus DEX aggregation, perpetuals trading, multi-chain support, and the integrated crypto debit card.

### vs Crypto.com Card / Coinbase Card
Unlike centralized exchange cards, the Gero Card is self-custody — users keep control of their funds until the moment of purchase. No need to deposit funds into a centralized exchange first.

## Contact & Links

- **Website**: https://gerowallet.io
- **Support Email**: support@gerowallet.io
- **Twitter/X**: https://twitter.com/gerowallet
- **Discord**: https://discord.gg/CK9RADpAcZ
- **Telegram**: https://t.me/gerowallet
- **GitHub**: https://github.com/Gero-Labs/gerowallet