On the credit side sit real non-custodial custody, coverage across 50+ networks, the best desktop portfolio experience in the category, hardware pairing, and a public, SEC-reporting company behind it, which is more corporate daylight than almost any competitor offers. On the debit side sit a closed-source core that limits how much of that trust can be verified in code, hot-wallet defaults with a single seed and no secure element, swap pricing that quietly taxes every in-app trade, and a compliance record that now includes an OFAC settlement with 12 egregious violations. The wallet has never lost user keys, and the May 2025 breach demonstrated that the non-custodial design contains the damage when the company's own systems fail. That is worth genuine credit, while the core stays closed and the swap stays expensive. Use Exodus as the well-built front door, pair it with hardware for anything you cannot afford to lose, and do your trading elsewhere.