A top-tier EAL6+ secure element, a publicly traded and accountable US maker, a clean five-year incident record, seed portability, coverage across 31 chains, and a $99 price that undercuts every comparable certified device. Those are real security and trust assets, not marketing. And it enforces the cap that keeps Arculus below the Ledger and Trezor tier: with no screen of its own, the card outsources transaction verification to your phone, which is precisely the device hardware wallets exist to distrust. Closed firmware, single-wallet pairing, and phone-app dependency each shave the score a little further. Buy it as a $99 upgrade over keeping keys in a hot wallet on your phone — it is a large, certified step up from that. Do not buy it as a Ledger substitute for serious sums, because the screen you are not paying for is the feature that protects them.