Trust Wallet earns the top of the hot-wallet range on coverage, custody integrity, and value: genuine self-custody across 100+ chains, credible third-party audits, and a free app whose swaps carry no explicit add-on fee (the cost is embedded in the quoted rate rather than shown separately). Two things keep it out of the 8.5+ tier. The track record — a catastrophic entropy CVE in 2023 that left every affected wallet brute-forceable, a 2024 migration bug, and a 2025 supply-chain compromise, all on the extension — is a repeat pattern a YMYL review cannot average away, even against a cleaner mobile record and a well-handled post-mortem. And transparency runs partial at best: only the Wallet Core library is open source, and the Binance ownership that frames the company's trust profile is absent from the vendor's own front-of-house story. Used the way its record supports — mobile as the primary surface, the extension for small dApp balances, seed offline — it is an easy wallet to recommend.