Is there good wallet decentralized app ?

[sheenshane]

You can try decentralized Coinomi desktop wallet from British Virgin Islands - www.coinomi.com - with Bitcoin and 1770+ various altcoins, exchange built in, and debit card connected for crypto buying. Wallet do not charge any fee for receiving/sending, only network fees.

I hate this app, to be honest.
The bolded part above is a lie, this is a very buggy app that you need to refresh before it will connect to the node. 
I used this before but I stopped using them knowing that they aren't an open-source app, they are a closed-source wallet app which is I think not safe.  I prefer to use an open-source wallet like Electrum which you can verify the app.

Just separate always your Bitcoin from your altcoins wallet, because the safest way to store Bitcoin is only Bitcoin wallet alone.
In altcoins, it could be Trustwallet but don't exchange directly your altcoins on exchange wallet because they used third-party exchange which has extremely high fees that you'll experience for sure.

[n0nce]

Where is BTC ETH USDT and maybe other coins.

The best / most decentralized way would be to run your own Bitcoin full node (Bitcoin Core) and Ethereum full node (link).
And of course a node of whatever other coin you're interested in. If you don't do that, you're always going to have to 'ask' someone else's node for blockchain information, reducing your privacy.

[Pmalek]

You can try decentralized Coinomi desktop wallet from British Virgin Islands

Really? Is their centrally decentralized server located on the British Virgin Islands and only there or how does it work exactly? You seem quite experienced with these things. Maybe you can explain to us the decentralized nature of the very centralized Coinomi wallet.

Wallet do not charge any fee for receiving/sending, only network fees.

In comparison to what? All other normal wallets that also don't charge and deposit/withdrawal fees? Exchanges and casinos charge withdrawal fees, good wallets don't and shouldn't. Promoting such a feature as a benefit and reason to use it is like saying that BMWs come with windshields and windshield wipers.

[Emitdama]

Sorry if this has been suggested before but I feel trust-wallet is a good one. I have been using it for years now and never had any issues and they provide you with the mnemonic phrase using which you can import/export your wallet.

It supports almost every major coin out there along with tokens on ETH & BSC. I am not a tech geek so I don't know if the wallet is completely decentralized or not but just sharing my experience.

I have always felt nothing is decentralized (not trying to offend anyone) because when we make any transaction it requires internet and our IP must go out somewhere since we need internet to make transactions. But again, I am not a pro so I may be wrong and I don't mean to accuse the blockchain lol just genuinely curious.

[Pmalek]

I have been using it for years now and never had any issues and they provide you with the mnemonic phrase using which you can import/export your wallet.

That's standard modus operandi for all non-custodial wallets, both good and bad ones. If you can't generate and backup your own seed, you aren't using a non-custodial wallet.

I am not a tech geek so I don't know if the wallet is completely decentralized or not but just sharing my experience.

It's not decentralized at all. You rely on their own servers to stay online to be able to sync and use the wallet. That's a centralized system. You can't create your own node and connect it to Trust Wallet. If Trust Wallet servers crash and never come back online, you lose your ability to use that wallet. People seem to think that if you generate your own seed, that's proof you are using a decentralized wallet.

[Mr. Magkaisa]

  - What I see that is quite okay for me is Atomic and exodus wallet because the assets that can be used in these two can be the cryptos that you mentioned. And I can say that their performance is good according to my research.

And if we're talking about bitcoin, I think electrum is enough even without a hard wallet or trezor, as long as you put it in a good backup and it's safe.

[Ryker1]

  - What I see that is quite okay for me is Atomic and exodus wallet because the assets that can be used in these two can be the cryptos that you mentioned. And I can say that their performance is good according to my research.

And if we're talking about bitcoin, I think electrum is enough even without a hard wallet or trezor, as long as you put it in a good backup and it's safe.

Those you have mentioned above will help OP's needs?
I think there is no exchange the same as Liberty Reserve --if there is, they also shut down the same on that exchange. Liberty Reserve was shut down on May 2013 found and plead guilty doing money laundering, so I think, therefore --no one followed the same as them.
Using your debit card will not help you to cover your identity but I hope this suggestion of mine was right and it will perhaps be wrong.
You can create an account on Binance and fund using your debit card, once it is funded, you can use their P2P trading which is I think the best way to cover your identity. After the transaction --you can send all your coins in a hardware wallet ^{[Trezor or Ledger]} that you have full control or which is a truly decentralized wallet platform, never use an exchange platform even if they claimed themselves as an open-source wallet or non-custodial wallet.

[n0nce]

Sorry if this has been suggested before but I feel trust-wallet is a good one. I have been using it for years now and never had any issues

As long as it connects to the devs' servers, it is absolutely not decentralized.
Keep in mind they don't release their source code, so there's no way to check whatever the fuck this application is doing; for all intents and purposes, it is probably deanonymizing you all day and all night, sending them your personal data, wallets and connecting everything together. Since this is very valuable information.

I have always felt nothing is decentralized (not trying to offend anyone) because when we make any transaction it requires internet and our IP must go out somewhere since we need internet to make transactions. But again, I am not a pro so I may be wrong and I don't mean to accuse the blockchain lol just genuinely curious.

First of all, Bitcoin is decentralized. If you run your own node and submit a transaction, it is broadcast to the Bitcoin network through its decentralized P2P protocol. Besides the fact that other nodes won't know if you're just relaying someone else's transaction or sending out one yourself, Bitcoin also natively supports Tor. So your node could be operating completely over the Tor network using very private and secure onion routing.

If you need to use a mobile / light wallet app, you absolutely want to set it up so it exclusively communicates with your own node through Tor. Tor in this case acts like a secure tunnel (similar to a VPN); data is transferred encrypted between your devices and once it reaches your node, it enters the Bitcoin network as always.
Your wallet needs to be open-source and verifiable, so you can make sure it only connects to your node. Many wallets that have the 'custom Electrum server' feature, actually still connect to Google servers for notifications and such unnecessary features.

[gunhell16]

I don't think what you're saying is decentralized, then you want it, then the debit card will be connected to it. For what else it is called decentralized?

There is no such wallet apps dude, I have never seen a noncustodial wallet where you can transact with a debit card. Maybe if there is such a thing, I can't say that such a concept is 100% decentralized.

But if you want a safe for bitcoin what I can recommend is Electrum. I've been using it for years even though I don't have a hardware wallet or trezor wallet. As long as your seed phrase and private key are kept in a safe, it's fine.

[Accardo]

This description is like asking for a wallet that can't be attacked in any form. However, Of course, it depends on the type of Card, there exist multiple cards that can be configured to pay in cryptocurrency like Boltcards that can be linked to LNbits to make LN payments. But, that will be on a more technical level. An app generally cannot be fully decentralized and secure, they must be bugs, that is why people suggest open source wallets that is decentralized.

However, if you are referring to a card like MasterCard, it won't make any sense regarding decentralization. It'll be wrong to initiate such features on a decentralized cryptocurrency wallet, it's more like exchanges. In addition the bolt-card above can only work on store that supports LN, not all stores can accept the card payment, which sound abstract from your tone. Seems like you're referring to linking to banks just like Paypal. Far from reality.

Cryptocurrency is a body that won't have anything to do with the bank or any centralized payment body. In cryptocurrency, Atm exists, everything a currency needs to excel can be found in cryptocurrency as it's open source, anybody can contribute. Unless the banks adopts cryptocurrency, reverse won't be possible; cryptocurrency can't adopt the banks.

[Kryptowerk]

I am suprised to see Bisq exchange was only briefly mentioned before.

It's a dektop app available for most systems: https://bisq.network/downloads/
You can choose between a lot of payment methods including direct bank-cashout. It's a decentralized open-source exchange-system for p2p sales.
Mostly works for smaller amounts between 0.01 and 0.1 BTC (I think up to 0.25 if you find a buyer). Yes, liquidity is kinda low, but if you are okay to wait a few hours you can usually get a trade 1 - 3% above the current rate through.

For more info check out this thread: https://bitcointalk.org/index.php?topic=5430964.msg61532073#msg61532073

[Pmalek]

I am suprised to see Bisq exchange was only briefly mentioned before.

That could be because of several reasons:

• OP wants a decentralized wallet that also works with debit cards for online payments. Bisq doesn't work that way. You can't use it to pay merchants using a debit card.
• Besides BTC, OP also mentioned ETH and USDT. The trading history on Bisq shows very little altcoin activity. On top of that, if he wants to use USDT over the Tron network, he won't be able to do that because it isn't supported at all.
• He makes comparisons with Liberty Reserve. LR was a decentralized system, but OP is looking for something decentralized here. He seems a bit confused. LR also didn't allow you to withdraw coins to your bank account. Those were digital assets that had to be converted to fiat first with the use of a 3rd-party exchange.

[kamvreto]

I don't think what you're saying is decentralized, then you want it, then the debit card will be connected to it. For what else it is called decentralized?

There is no such wallet apps dude, I have never seen a noncustodial wallet where you can transact with a debit card. Maybe if there is such a thing, I can't say that such a concept is 100% decentralized.

But if you want a safe for bitcoin what I can recommend is Electrum. I've been using it for years even though I don't have a hardware wallet or trezor wallet. As long as your seed phrase and private key are kept in a safe, it's fine.

when you want a bank debit card connected to crypto and decentralized there will never be one. this would be cons and banks would not be happy with "decentralized" either. Decentralized wallets that are good and recommended and Open Source are electrum. I've also used it for years, and it's still secure as long as the user knows how to store a good passphrase.

[albon]

Decentralized wallets that are good and recommended and Open Source are electrum. I've also used it for years, and it's still secure as long as the user knows how to store a good passphrase.

Electrum is a completely decentralized wallet that is good, simple, and easy to use. It is one of the most reliable and secure wallets in the market. It is one of the best wallets for storing bitcoins. It has many advantages such as speed and low resource usage. It cares about the security of its users. They can store their assets via cold storage which is available on the phone and on the desktop. It is difficult to hack the Electrum wallet of everyone who uses it unless the phone or computer of the person using it is not under his control.

when you want a bank debit card connected to crypto and decentralized there will never be one. this would be cons and banks would not be happy with "decentralized" either.

Correct me if I am wrong, Atomic & Exodus wallets, anyone can buy crypto by using them through a credit/debit card, and they are good decentralized wallets and most of the currencies mentioned by the OP are available in them.

[n0nce]

Decentralized wallets that are good and recommended and Open Source are electrum. I've also used it for years, and it's still secure as long as the user knows how to store a good passphrase.

Electrum is a completely decentralized wallet that is good, simple, and easy to use. It is one of the most reliable and secure wallets in the market. It is one of the best wallets for storing bitcoins. It has many advantages such as speed and low resource usage. It cares about the security of its users. They can store their assets via cold storage which is available on the phone and on the desktop. It is difficult to hack the Electrum wallet of everyone who uses it unless the phone or computer of the person using it is not under his control.

when you want a bank debit card connected to crypto and decentralized there will never be one. this would be cons and banks would not be happy with "decentralized" either.

Correct me if I am wrong, Atomic & Exodus wallets, anyone can buy crypto by using them through a credit/debit card, and they are good decentralized wallets and most of the currencies mentioned by the OP are available in them.

Do you know what 'decentralized' means? Here, I'll help you out: link.
In this case, the OP question could be rephrased as: 'Which wallet relies on the least amount of centralized services?', hence why I recommended Bitcoin Core.

I think it's clear that adding support for credit cards makes a wallet infinitely more reliant on centralized services.

Atomic & Exodus wallets, anyone can buy crypto by using them through a credit/debit card, and they are good decentralized wallets

What is your understanding of a 'decentralized wallet'?

Atomic is closed-source and marked deep red by Wallet Scrutiny.
Same story with Exodus.

[Pmalek]

What is your understanding of a 'decentralized wallet'?

My guess is that too many people think of centralized exchanges as places where you register an account and never get access to your private keys. But they are forgetting about the custodial part. Sure, they are centralized, but you not having access to keys is an issue of custody. The opposite of that would be a service that provides you with access to your seed and private keys. Since such a wallet allows you to generate and handle your own keys, they confuse the terms and think of that as decentralized instead of just being non-custodial.   

[Kryptowerk]

[...]
What is your understanding of a 'decentralized wallet'?

Atomic is closed-source and marked deep red by Wallet Scrutiny.
Same story with Exodus.

My goodness, nonce back at it again with the killer-links.
Shame on me, I wasn't aware of walletscrutiny.com until now - what an incredibly valueable resource to have!

You can try decentralized Coinomi desktop wallet from British Virgin Islands - www.coinomi.com - with Bitcoin and 1770+ various altcoins, exchange built in, and debit card connected for crypto buying. Wallet do not charge any fee for receiving/sending, only network fees.

Just wanna point out that Coinomi is neither decentralized (it should be clear by now that that's nothing to do with a wallet anyway) nor is it open-source code.
Also they tend to have terrible support when something stops working. Good example is their Monero wallet which was discontinued silently many months ago and despite promises to do so they never updated it. - XMR funds stored with them are unaccessable except for a complicated private-key export which also exposes the seedphrase for your whole Coinomi wallet. :<

[libert19]

Electrum/mycelium for btc, alpha wallet for eth + other evm chains and usdt  (non custodial + open source), lastly for debit card thing you could use prepaid cards loadable with crypto.

[Kryptowerk]

Electrum/mycelium for btc, alpha wallet for eth + other evm chains and usdt  (non custodial + open source), lastly for debit card thing you could use prepaid cards loadable with crypto.

What is Alpha wallet?
https://walletscrutiny.com/ gives me an info it's 3 year old discontinued and google search brings a website which times out.
A good recommendation for open-source smart-chain wallets would be appreciated.

Regarding your prepaid card suggestion... I am not aware of any non-KYC let alone an "open-source"/decentralized solution for that.

[PrivacyG]

A good recommendation for open-source smart-chain wallets would be appreciated.

Unstoppable Wallet may be precisely what you are looking for.  It does wonders for me and has so many options I always wanted a mobile app to have.  Worth a try.

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Regards,
PrivacyG