What Chimera Wallet does

Chimera Wallet is a non-custodial Bitcoin wallet operated by Chimera Software Association, a Swiss non-profit association domiciled in Lugano. The product is delivered as a Progressive Web App (PWA) that runs in the browser without app store installation, combining three Bitcoin layers in one interface: mainchain, the Lightning Network (enhanced by Boltz for invoice support), and Arkade Protocol's VTXO technology, which the company positions as delivering mainchain-grade security with Lightning-grade speed without channel management. Multi-asset support covers BTC, USDT, ETH, TRON, POLYGON, and fiat.

The business model is anchored on transaction-based revenue: trading and swap fees on the platform, a 1.5% (pre-order, locked for life) to 2% transaction fee on the Chimera Card, and a forthcoming CEXT utility token with a 1 billion fixed supply offering tiered fee discounts up to 50%, staking rewards up to 15% APR, and governance rights at the Diamond tier. A referral programme pays up to 20% of platform fees from referred users' trades indefinitely with no cap. Customer segments are horizontal and consumer-focused: Bitcoin self-custody users, privacy-conscious crypto users (no KYC required under 1,000 CHF per month), and crypto-to-fiat spenders served via the Wirex Pay-powered card in 35+ European, 9+ Asia-Pacific, and 7+ Latin American countries.

The company is in a pre-token and pre-card-launch commercialization phase. The PWA launched in April 2026, the CEXT token generation event is scheduled for 8 September 2026, and the Chimera Card rollout is planned for mid-2026. Capitalization to date includes $7.7M raised across two rounds for Arkade Protocol development and a $15M strategic partnership with Nimbus Capital announced in February 2026 to expand DeFi infrastructure on Bitcoin. The stated ownership structure explicitly excludes shareholders and venture capital, and the CEXT token is issued by a separate Swiss entity, Outlogic SAGL.

Name

Chimera Wallet

Legal name

Chimera Software Association

Website

https://chimerawallet.com

Company type

Private

Operating status

Operating

Short description

Chimera Wallet is a Swiss non-profit-operated, non-custodial Bitcoin Progressive Web App combining mainchain, Lightning, and Arkade Protocol VTXO technology with a multi-asset swap interface, a Wirex-powered debit card, and a CEXT utility token, serving self-custody-focused Bitcoin and cryptocurrency users globally.

Ownership category

akta.pro rank

Product category

Crypto Wallet Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (52221)

SIC

Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Smart Contract Wallets / Account Abstraction (MPC/AA, social recovery, paymasters) (FSAPACAB)

akta.pro secondary industries

Crypto Payment Gateways & Checkout APIs (FSADAIAA), Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC), Decentralized Lending Protocols (DeFi Money Markets) (FSADAFAB)

Keywords

• Non-custodial bitcoin wallet
• Lightning network payments
• Progressive web app wallet
• Crypto debit card
• Utility token governance

Headquarters

HQ city

Lugano

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Personnel, Operations, Marketing or Sales

Revenue model

1. Trading and Swap Fees: Platform fees from buy, sell, and swap transactions. Users can earn up to 20% of platform fees through referral program. Fee discounts up to 50% available through CEXT token holdings.
2. Card Transaction Fees: 1.5% transaction fee on Chimera Card for pre-order customers (locked for life), standard rate is 2%. Zero monthly fee and zero top-up fee.
3. CEXT Token Utility: 1 billion fixed supply utility token. Staking rewards up to 15% APR. Tiered benefits including fee discounts, referral multipliers, and governance rights at Diamond tier.
4. Referral Revenue Share: Up to 20% of platform fees credited to referrers for every trade their referrals complete, with no cap and no expiry.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Chimera Wallet is a Bitcoin Super-App delivered as a Progressive Web App that combines Bitcoin mainchain, Lightning Network, and Arkade Protocol VTXO technology in a single non-custodial interface. Users can buy, sell, swap, and earn on BTC, USDT, ETH, TRON, POLYGON, and FIAT, with a Visa debit card (Chimera Card) and a utility token (CEXT) extending the platform's payment and governance functions.

Product overview

Chimera Wallet is a Bitcoin Super-App combining multiple financial services in a single non-custodial progressive web application. The core offering is the Chimera Wallet PWA, which integrates Bitcoin mainchain, Lightning Network, and Arkade Protocol VTXO technology. Complementary products include the Chimera Card (Visa debit card), CEXT Token (utility token for fee discounts and governance), Arkade Swap (cross-chain trading), and a Referral Programme (revenue sharing). The architecture is non-custodial by design with users controlling their own keys. Arkade Protocol serves as the foundational technology layer, while P2P loans powered by Lendasat add lending capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Chimera Wallet A Bitcoin Super-App delivered as a Progressive Web App (PWA) running in the browser without installation. Provides non-custodial control over user keys, supporting Bitcoin mainchain, Lightning Network, and Arkade Protocol VTXO layers. Includes buying, selling, swapping, and earning on BTC, USDT, ETH, TRON, POLYGON, and FIAT, with no KYC required under 1,000 CHF monthly.
• Chimera Card A Visa debit card that allows users to spend Bitcoin and other crypto at merchants worldwide. Powered by Wirex Pay, with zero monthly fee, zero top-up fee, and a 1.5% transaction fee locked for life for the first 1,000 pre-order customers (vs 2% standard rate). Supported in 35+ European, 9+ Asia-Pacific, and 7+ Latin American countries.
• CEXT Token A utility token under Swiss regulation issued by Outlogic SAGL with 1 billion fixed supply and zero inflation. Provides fee discounts up to 50%, referral multipliers up to 3x, staking rewards up to 15% APR, and tiered governance rights (Bronze through Diamond) based on locked balance.
• Arkade Swap Cross-chain peer-to-peer trading functionality combining CEX-like speed with DEX freedom, wrapped into the Chimera Wallet PWA. Enables non-custodial swaps across supported assets with enhanced privacy.
• Referral Programme A revenue-share program where users earn up to 20% of platform fees from referred users' trades forever, with no cap and no expiry. Referral multipliers up to 3x apply based on CEXT token tier (Bronze 1x, Silver 1.5x, Gold 2x, Diamond 3x).
• P2P Loans Peer-to-peer lending service accessible within the Earn functionality of Chimera Wallet, powered by Lendasat. Allows users to access P2P loans as part of the platform's financial services ecosystem.

Quantifiable outcome

• No KYC required under 1,000 CHF per month
• +4 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• Arkade ProtocolcoreTechnology or Integration · 1 October 2025Arkade Protocol is the underlying infrastructure for Chimera Wallet. VTXO technology enables mainchain-grade security with Lightning-grade speed without channel management. Chimera is the first Super App built on Arkade Protocol.
• Outlogic SAGLcoreTechnology or IntegrationIssues CEXT token and provides API documentation and technical infrastructure. Privacy policy partner for the platform.
• Wirex PaycoreChannel Partner/ Reseller/ DistributorProvides the card programme for Chimera Card, enabling Bitcoin spending at 80M+ merchants worldwide. KYC required through Wirex platform. Partnership enables zero monthly fee and zero top-up fee card offering.
• Lightning NetworkcoreTechnology or IntegrationFull Lightning invoice support enhanced by Boltz. Zero channel management required for users. Every merchant and exchange accessible.
• BoltzsupportingTechnology or IntegrationProvides Lightning Network enhancement for Chimera Wallet, enabling full Lightning invoice support.
• LendasatsupportingOthersP2P loans service provider referenced in privacy manifesto. Financial services provided by regulated third parties.
• Bitcoin.orgcoreTechnology or IntegrationBitcoin.org is a reference partner for Bitcoin technology integration, powering the mainchain BTC functionality.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Trust Wallet: Multi-chain crypto wallet owned by Binance supporting thousands of assets and dApps. Broad incumbent competing with Chimera on multi-asset support but with different distribution model (mobile app) and EVM-centric design.
• Exodus Wallet: Multi-asset desktop and mobile wallet with built-in exchange and staking. Broader incumbent in the multi-chain wallet space with overlapping multi-asset support and exchange functionality, though not focused on Bitcoin-native Lightning/Arkade.

Direct peers

• Sparrow Wallet: Desktop Bitcoin wallet with focus on security, privacy, and UTXO management. Comparable power-user Bitcoin wallet but targets a more technical audience than Chimera's consumer-focused product.
• Breez Wallet: Non-custodial Bitcoin Lightning wallet with built-in node and Lightning services. Competes directly with Chimera on Bitcoin self-custody and Lightning accessibility, though Chimera extends to multi-asset support and Arkade Protocol.
• Wasabi Wallet: Privacy-focused Bitcoin wallet using CoinJoin technology. Shares Chimera's openness (open-source) and privacy ethos but focuses on Bitcoin anonymity rather than multi-asset/Lightning convenience.
• BlueWallet: Open-source Bitcoin wallet with Lightning support, multi-platform (iOS/Android). Direct competitor in the non-custodial Bitcoin wallet space with similar ethos of open-source and privacy-focused design.
• Muun Wallet: Self-custodial Bitcoin and Lightning wallet using submarine swaps and on-chain transactions. Direct competitor in the non-custodial Bitcoin wallet category, with overlapping focus on simplifying Lightning for mainstream users.
• Phoenix Wallet: Bitcoin Lightning wallet by ACINQ offering non-custodial Lightning payments with automatic channel management. Direct competitor in the self-custodial Bitcoin Lightning wallet space, though Chimera differentiates via VTXO/Arkade Protocol rather than channel-based Lightning.
• Wallet of Satoshi: Bitcoin Lightning wallet offering custodial simplicity for users. Competes in the same Bitcoin payment wallet space but takes the opposite approach (custodial vs. Chimera's non-custodial).

Emerging players

• Wirex: Crypto payments platform and Visa card issuer that powers Chimera's card program. Comparable in the crypto card space and serves as both a partner and a potential competitor offering its own wallet and card products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xt.me/Chimera_Community
• GitHubgithub.com/Chimera-Wallet

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Chimera Wallet