{"id":583,"date":"2026-10-13T09:23:00","date_gmt":"2026-10-13T09:23:00","guid":{"rendered":"https:\/\/getbitcoin.guide\/articles\/?p=583"},"modified":"2026-10-13T09:28:09","modified_gmt":"2026-10-13T09:28:09","slug":"blockchain-com-wallet","status":"publish","type":"post","link":"https:\/\/getbitcoin.guide\/articles\/blockchain-com-wallet\/","title":{"rendered":"Blockchain.com Wallet: Which Balances You Hold the Keys To"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>The Blockchain.com wallet app holds two kinds of balance. The DeFi Wallet is self custody: you hold the private keys and a 12 word Recovery Phrase. The Trading Account and the Rewards accounts are custodial, so Blockchain.com holds the keys and can restrict them. 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String(window.getSelection()) : '';\n      if (sel && sel.trim()) { return; }\n      var el = e.target.closest('[data-i]'); if (!el) { return; }\n      var i = parseInt(el.getAttribute('data-i'), 10); if (isNaN(i)) { return; }\n      if (!audio.paused && i === curIdx) { return; }\n      lastUser = Date.now();\n      audio.currentTime = starts[i];\n      var p = audio.play(); if (p && p.catch) { p.catch(function(){}); }\n      try { if (typeof gtag === 'function') { gtag('event', 'audio_chapter', { article: location.pathname, source: 'sentence', start: Math.round(starts[i]) }); } } catch (err) {}\n    });\n    audio.addEventListener('seeked', tick);\n    audio.addEventListener('ended', function(){ setNow(-1); });\n  }\n  if (document.readyState === 'loading') { document.addEventListener('DOMContentLoaded', start); } else { start(); }\n})();<\/script>\n<\/div>\n\n\n\n<p class=\"msq-hook wp-block-paragraph\">On this page: a table splitting every balance in the Blockchain.com app by who holds the keys, quoted from its support pages and user agreement on 13 October 2026, what the default cloud backup changes, and what 22 Trustpilot reviews and two Reddit threads report about frozen balances.<\/p>\n\n\n\n<div class=\"msq\" id=\"ms-quiz\" data-slug=\"blockchain-com-wallet\" data-category=\"wallets\" data-list=\"1\">\n<style>.msq,.msq-hook,.msq-box,.msq-end,.msq-tool{--msq-accent:#1F4E79;--msq-accent-text:#FFFFFF;--msq-line:#CBD8E6;--msq-warn:#B4531A;--msq-muted:#4A5560;--msq-tint:#EEF3F8;--msq-base:#FFFFFF}\n.msq{margin:1.25em 0 1.75em}\n.msq-hook{border-left:3px solid var(--msq-accent);padding:6px 14px;color:var(--msq-muted);font-size:.97em}\n.msq-box{background:var(--msq-tint);border:1px solid var(--msq-line);border-radius:12px;padding:0}\n.msq-box>summary{cursor:pointer;list-style:none;padding:14px 18px;font-weight:700;color:var(--msq-accent)}\n.msq-box>summary::-webkit-details-marker{display:none}\n.msq-box>summary::before{content:\"+\";display:inline-block;width:1.1em;font-weight:800}\n.msq-box[open]>summary::before{content:\"\\00d7\"}\n.msq-body{padding:2px 18px 18px}\n.msq-intro{margin:0 0 12px;font-size:.95em;color:var(--msq-muted)}\n.msq-list{margin:0;padding:0;list-style:none}\n.msq-q{margin:0 0 18px;padding:0}\n.msq-question{font-weight:700;margin:0 0 8px}\n.msq-options{display:flex;flex-direction:column;gap:8px}\n.msq-opt{text-align:left;background:var(--msq-base);border:1px solid var(--msq-line);border-radius:8px;padding:10px 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0 6px;font-size:1.15em}\n.msq-tool p{margin:0 0 10px}\n.msq-tool .msq-note{font-size:.85em;color:var(--msq-muted);margin:10px 0 0}\n.msq-check label{display:flex;gap:10px;align-items:flex-start;padding:9px 0;border-bottom:1px solid var(--msq-line);cursor:pointer;line-height:1.4}\n.msq-check label:last-of-type{border-bottom:0}\n.msq-check input{margin-top:5px;flex:0 0 auto;width:18px;height:18px;accent-color:var(--msq-accent)}\n.msq-check-count{font-weight:700;margin:10px 0 0}\n.msq-verdict-box{margin:12px 0 0;padding:10px 14px;border-radius:8px;background:var(--msq-base);border-left:3px solid var(--msq-warn)}\n.msq-verdict-box[hidden]{display:none}\n.msq-calc{display:grid;grid-template-columns:1fr 1fr;gap:10px 16px}\n.msq-calc label{display:flex;flex-direction:column;gap:4px;font-size:.92em}\n.msq-calc input,.msq-calc select{padding:8px 10px;border:1px solid var(--msq-muted);border-radius:8px;font:inherit;background:#fff}\n.msq-calc-out{grid-column:1 \/ -1;margin-top:6px;padding:12px 14px;background:var(--msq-base);border-radius:8px;border:1px solid var(--msq-line)}\n.msq-calc-out strong{font-size:1.15em}\n.msq-choose label{display:block;padding:9px 12px;margin:0 0 8px;background:var(--msq-base);border:1px solid var(--msq-line);border-radius:8px;cursor:pointer}\n.msq-choose input{margin-right:8px;accent-color:var(--msq-accent)}\n.msq-choice-result{margin-top:10px;padding:12px 14px;background:var(--msq-base);border-left:3px solid var(--msq-accent);border-radius:0 8px 8px 0}\n.msq-choice-result[hidden]{display:none}\n@media (max-width:600px){.msq-calc{grid-template-columns:1fr}}\nh2.wp-block-heading[id]{scroll-margin-top:24px}<\/style>\n<noscript><style>.msq-explain{display:block !important}<\/style><\/noscript>\n<details class=\"msq-box\">\n<summary>Think you already know this? Five questions, one minute.<\/summary>\n<div class=\"msq-body\">\n<p class=\"msq-intro\">Every answer is on this page. Answer from what you know now; the page fills in the rest.<\/p>\n<ol class=\"msq-list\">\n<li class=\"msq-q\" data-q=\"1\" data-answer=\"b\" data-title=\"Is the Blockchain.com wallet custodial or self custody?\" data-section=\"#is-the-blockchain-com-wallet-custodial-or-self-custody\">\n<p class=\"msq-question\">1. Which part of the Blockchain.com app does the user agreement call non custodial?<\/p>\n<div class=\"msq-options\" role=\"group\" aria-label=\"Question 1 options\"><button type=\"button\" class=\"msq-opt\" data-opt=\"a\">The Trading Account<\/button><button type=\"button\" class=\"msq-opt\" data-opt=\"b\">The DeFi Wallet software<\/button><button type=\"button\" class=\"msq-opt\" data-opt=\"c\">Every balance in the app<\/button><\/div>\n<p class=\"msq-explain\" hidden><span class=\"msq-verdict\"><\/span>Section 3.3 of the <a href=\"https:\/\/www.blockchain.com\/legal\/terms\" target=\"_blank\" rel=\"noopener\">Blockchain.com user agreement<\/a>, last updated 27 August 2026, says it never takes custody of keys in the non custodial software, while section 4.1 says the Trading Account is held on a custodial basis. <a class=\"msq-section\" href=\"#is-the-blockchain-com-wallet-custodial-or-self-custody\">Read the section<\/a><\/p>\n<\/li>\n<li class=\"msq-q\" data-q=\"2\" data-answer=\"b\" data-title=\"Who holds the keys to each balance in the app?\" data-section=\"#who-holds-the-keys-to-each-balance-in-the-app\">\n<p class=\"msq-question\">2. What does section 5.1.4 of the user agreement say happens to assets moved into Flexible or Fixed Rewards?<\/p>\n<div class=\"msq-options\" role=\"group\" aria-label=\"Question 2 options\"><button type=\"button\" class=\"msq-opt\" data-opt=\"a\">Title stays with you and nothing else changes<\/button><button type=\"button\" class=\"msq-opt\" data-opt=\"b\">You transfer all rights, title and interest in them to Blockchain.com<\/button><button type=\"button\" class=\"msq-opt\" data-opt=\"c\">They move into your DeFi Wallet<\/button><\/div>\n<p class=\"msq-explain\" hidden><span class=\"msq-verdict\"><\/span>Section 5.1.4 of the <a href=\"https:\/\/www.blockchain.com\/legal\/terms\" target=\"_blank\" rel=\"noopener\">user agreement<\/a> says you transfer all rights, title and interest to Blockchain.com, which may then lend or rehypothecate the assets. <a class=\"msq-section\" href=\"#who-holds-the-keys-to-each-balance-in-the-app\">Read the section<\/a><\/p>\n<\/li>\n<li class=\"msq-q\" data-q=\"3\" data-answer=\"a\" data-title=\"What does the automatic cloud backup change?\" data-section=\"#what-does-the-automatic-cloud-backup-change\">\n<p class=\"msq-question\">3. Where does the Blockchain.com mobile app back up the DeFi Wallet by default?<\/p>\n<div class=\"msq-options\" role=\"group\" aria-label=\"Question 3 options\"><button type=\"button\" class=\"msq-opt\" data-opt=\"a\">To your Apple iCloud or Google Drive account, encrypted<\/button><button type=\"button\" class=\"msq-opt\" data-opt=\"b\">To Blockchain.com servers in plain text<\/button><button type=\"button\" class=\"msq-opt\" data-opt=\"c\">Nowhere, backups are off by default<\/button><\/div>\n<p class=\"msq-explain\" hidden><span class=\"msq-verdict\"><\/span>The <a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/4417080487828-How-does-Blockchain-com-s-mobile-cloud-backup-feature-work\" target=\"_blank\" rel=\"noopener\">cloud backup page<\/a> says the feature is on by default and stores an encrypted backup in your own iCloud or Google Drive account, restored with your PIN. <a class=\"msq-section\" href=\"#what-does-the-automatic-cloud-backup-change\">Read the section<\/a><\/p>\n<\/li>\n<li class=\"msq-q\" data-q=\"4\" data-answer=\"b\" data-title=\"What happens to each balance if you lose your password?\" data-section=\"#what-happens-to-each-balance-if-you-lose-your-password\">\n<p class=\"msq-question\">4. If you lose both your password and your Recovery Phrase, what does Blockchain.com say happens?<\/p>\n<div class=\"msq-options\" role=\"group\" aria-label=\"Question 4 options\"><button type=\"button\" class=\"msq-opt\" data-opt=\"a\">Both the Wallet and the Trading Account are lost<\/button><button type=\"button\" class=\"msq-opt\" data-opt=\"b\">The custodial funds can be recovered through verification, but the Wallet funds are lost<\/button><button type=\"button\" class=\"msq-opt\" data-opt=\"c\">Support can reset the Wallet password<\/button><\/div>\n<p class=\"msq-explain\" hidden><span class=\"msq-verdict\"><\/span>The <a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/360051018091-Is-my-Blockchain-com-Trading-Account-backed-up\" target=\"_blank\" rel=\"noopener\">Trading Account backup page<\/a> says custodial funds are tied to your identity profile and can still be recovered, while the funds held in your Wallet will be lost. <a class=\"msq-section\" href=\"#what-happens-to-each-balance-if-you-lose-your-password\">Read the section<\/a><\/p>\n<\/li>\n<li class=\"msq-q\" data-q=\"5\" data-answer=\"b\" data-title=\"What security warnings has Blockchain.com published?\" data-section=\"#what-security-warnings-has-blockchain-com-published\">\n<p class=\"msq-question\">5. What does Blockchain.com say about phone calls to retail customers?<\/p>\n<div class=\"msq-options\" role=\"group\" aria-label=\"Question 5 options\"><button type=\"button\" class=\"msq-opt\" data-opt=\"a\">It calls only to verify a recovery phrase<\/button><button type=\"button\" class=\"msq-opt\" data-opt=\"b\">It does not call retail customers<\/button><button type=\"button\" class=\"msq-opt\" data-opt=\"c\">It calls when a balance is frozen<\/button><\/div>\n<p class=\"msq-explain\" hidden><span class=\"msq-verdict\"><\/span>The <a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/30694510505756-A-suspicious-call-about-your-crypto-account\" target=\"_blank\" rel=\"noopener\">suspicious call page<\/a>, last edited 1 October 2026, says Blockchain.com does not call retail customers and that anyone asking for your recovery phrase is not legitimate. <a class=\"msq-section\" href=\"#what-security-warnings-has-blockchain-com-published\">Read the section<\/a><\/p>\n<\/li>\n<\/ol>\n<div class=\"msq-result\" hidden><\/div>\n<\/div>\n<\/details>\n<script>(function(){\n  if (window.__msqInit) { return; }\n  window.__msqInit = true;\n  var root = document.getElementById('ms-quiz');\n  if (!root) { return; }\n  var meta = { slug: root.getAttribute('data-slug'), category: root.getAttribute('data-category'),\n               list: root.getAttribute('data-list') || '1' };\n  function qs(el, s){ return el.querySelector(s); }\n  function qsa(el, s){ return Array.prototype.slice.call(el.querySelectorAll(s)); }\n  function track(name, params){\n    try { if (typeof gtag === 'function') { var p = params || {}; p.article = meta.slug; gtag('event', name, p); } } catch (e) {}\n  }\n  function jumpList(missed){\n    if (!missed.length) { return ''; }\n    return '<ul class=\"msq-jump\">' + missed.map(function(q){\n      return '<li><a href=\"' + q.getAttribute('data-section') + '\">' + q.getAttribute('data-title') + '<\/a><\/li>';\n    }).join('') + '<\/ul>';\n  }\n  function emailForm(){\n    return '<div class=\"msq-sub\"><p><strong>Get the next one.<\/strong> We publish new articles on ' + meta.category\n      + ' most weeks and recheck this page on Sundays. 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Calculators carry their own small script. *\/\n  function initTools(){\n    qsa(document, '.msq-check').forEach(function(box){\n      var key = 'msq-check-' + meta.slug + '-' + (box.getAttribute('data-id') || 'x');\n      var boxes = qsa(box, 'input[type=checkbox]'), count = qs(box, '.msq-check-count');\n      var yes = qs(box, '.msq-verdict-yes'), no = qs(box, '.msq-verdict-no');\n      var saved = {};\n      try { saved = JSON.parse(localStorage.getItem(key) || '{}'); } catch (e) {}\n      boxes.forEach(function(cb, i){ if (saved[i]) { cb.checked = true; } });\n      function refresh(){\n        var n = boxes.filter(function(cb){ return cb.checked; }).length, state = {};\n        boxes.forEach(function(cb, i){ if (cb.checked) { state[i] = 1; } });\n        try { localStorage.setItem(key, JSON.stringify(state)); } catch (e) {}\n        if (count) { count.textContent = n + ' of ' + boxes.length + (box.getAttribute('data-verb') || ' done'); }\n        if (yes && no) { yes.hidden = n === 0; no.hidden = n !== 0; }\n      }\n      boxes.forEach(function(cb){ cb.addEventListener('change', function(){ refresh(); track('tool_check', { tool: box.getAttribute('data-id') }); }); });\n      refresh();\n    });\n    qsa(document, '.msq-choose').forEach(function(box){\n      var results = qsa(box, '.msq-choice-result');\n      qsa(box, 'input[type=radio]').forEach(function(r){\n        r.addEventListener('change', function(){\n          results.forEach(function(el){ el.hidden = el.getAttribute('data-for') !== r.value; });\n          track('tool_choose', { tool: box.getAttribute('data-id'), choice: r.value });\n        });\n      });\n    });\n  }\n  \/\/ read progress: how far down the article the reader has scrolled, fired once per quarter\n  (function(){\n    var art = root.closest('article') || root.parentNode, fired = {};\n    function check(){\n      var top = art.getBoundingClientRect().top + window.pageYOffset, h = art.offsetHeight || 1;\n      var seen = (window.pageYOffset + window.innerHeight - top) \/ h * 100;\n      [25, 50, 75, 100].forEach(function(m){ if (seen >= m && !fired[m]) { fired[m] = true; track('read_progress', { percent: m }); } });\n    }\n    window.addEventListener('scroll', check, { passive: true }); window.addEventListener('load', check);\n  })();\n  if (document.readyState === 'loading') { document.addEventListener('DOMContentLoaded', initTools); } else { initTools(); }\n})();<\/script>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"is-the-blockchain-com-wallet-custodial-or-self-custody\">Is the Blockchain.com wallet custodial or self custody?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both, which is the whole problem. Blockchain.com uses the word wallet for the app, for the self custody part of the app, and in casual support replies for the custodial part as well. Its own help page on <a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/360050550572-What-is-the-difference-between-DeFi-Wallet-and-Trading-Account\" target=\"_blank\" rel=\"noopener\">the difference between DeFi Wallet and Trading Account<\/a>, read on 13 October 2026, is clearer than most of the review pages ranking for this query. It says the Wallet &#8220;is non-custodial, meaning you alone control your funds&#8221;, and that the Trading Account &#8220;is a custodial wallet, meaning Blockchain.com secures and manages your funds for you.&#8221;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.blockchain.com\/legal\/terms\" target=\"_blank\" rel=\"noopener\">Blockchain.com user agreement<\/a>, last updated 27 August 2026, says the same thing in legal language. Section 3.3 states that Blockchain.com &#8220;never takes possession, custody, or control&#8221; of your private keys or seed phrases in the non custodial software. Section 4.1 says digital assets in the Trading Account &#8220;will be held by Blockchain.com for your benefit, on a custodial basis.&#8221; Most ranking reviews merge the two into one star rating, which is like reviewing a bank and a safe as one piece of furniture.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who-holds-the-keys-to-each-balance-in-the-app\">Who holds the keys to each balance in the app?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This table is compiled from Blockchain.com\u2019s support pages and the user agreement, all read on 13 October 2026. Each row names the page it came from, so you can check it against the live wording.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Balance in the app<\/th><th>Who holds the keys<\/th><th>How you get back in<\/th><th>What the vendor says<\/th><\/tr><\/thead><tbody><tr><td>DeFi Wallet (shown as Wallet)<\/td><td>You. &#8220;You hold your private keys and 12-word Recovery Phrase&#8221; (<a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/360050550572-What-is-the-difference-between-DeFi-Wallet-and-Trading-Account\" target=\"_blank\" rel=\"noopener\">comparison page<\/a>)<\/td><td>12 word Recovery Phrase, or the encrypted cloud backup and your PIN on mobile<\/td><td>Blockchain.com has &#8220;no technical ability to access your assets&#8221; (terms 3.3)<\/td><\/tr><tr><td>Trading Account<\/td><td>Blockchain.com: &#8220;we securely manage your private keys on your behalf&#8221; (<a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/9042429259420-Can-I-get-the-private-key-for-my-account\" target=\"_blank\" rel=\"noopener\">private key page<\/a>)<\/td><td>Password reset and identity verification; not covered by your phrase (<a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/360051018091-Is-my-Blockchain-com-Trading-Account-backed-up\" target=\"_blank\" rel=\"noopener\">backup page<\/a>)<\/td><td>Title stays with you, coins sit in shared omnibus addresses (terms 4.1)<\/td><\/tr><tr><td>Flexible and Fixed Rewards<\/td><td>Blockchain.com; the account &#8220;is custodial&#8221; (<a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/4417082923412-Is-my-Flexible-Rewards-Account-backed-up\" target=\"_blank\" rel=\"noopener\">Rewards backup page<\/a>)<\/td><td>Identity verification, not your phrase<\/td><td>You transfer &#8220;all rights, title and interest&#8221; to Blockchain.com while assets sit there (terms 5.1.4)<\/td><\/tr><tr><td>Staking Rewards<\/td><td>A Blockchain.com Staking Wallet (terms 5.2.2)<\/td><td>Identity verification, not your phrase<\/td><td>Assets &#8220;may be locked&#8221; during bonding and unbonding periods (terms 5.2.2)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Read the right hand column slowly. On the Trading Account the agreement says ownership stays with you, but the same section 4.1 adds that Blockchain.com has no obligation to separate your coins from other customers\u2019 coins by blockchain address, and may keep them in a hot wallet or a cold wallet at its sole discretion. On the Rewards accounts the agreement goes further and says title passes to Blockchain.com, which may then lend or rehypothecate the assets. This site does not cover yield, and that clause is the custody reason it would not need to: a balance whose title has moved is not your key in any sense. The same split runs through <a href=\"https:\/\/getbitcoin.guide\/articles\/wallet-for-binance\/\">the Binance wallet question<\/a>, <a href=\"https:\/\/getbitcoin.guide\/articles\/crypto-com-defi-wallet\/\">the Crypto.com DeFi Wallet<\/a> and <a href=\"https:\/\/getbitcoin.guide\/articles\/telegram-wallet\/\">the Telegram Wallet<\/a>.<\/p>\n\n\n\n<div class=\"msq-tool msq-choose\" data-id=\"blockchain-com-balance-chooser\">\n<h3>Which balance in the Blockchain.com app is self custody?<\/h3>\n<p>Pick the balance you are looking at. Each answer restates who holds the keys, quoted from Blockchain.com&#8217;s own pages on 13 October 2026. Nothing here is about returns, and nothing here is a recommendation to buy, sell or hold anything.<\/p>\n<label><input type=\"radio\" name=\"blockchain-com-balance-chooser\" value=\"a\">Wallet, also called DeFi Wallet<\/label>\n<label><input type=\"radio\" name=\"blockchain-com-balance-chooser\" value=\"b\">Trading Account<\/label>\n<label><input type=\"radio\" name=\"blockchain-com-balance-chooser\" value=\"c\">Flexible or Fixed Rewards<\/label>\n<label><input type=\"radio\" name=\"blockchain-com-balance-chooser\" value=\"d\">Staking Rewards<\/label>\n<div class=\"msq-choice-result\" data-for=\"a\" hidden><strong>Self custody. You hold the keys.<\/strong> The comparison page says you hold your private keys and 12 word Recovery Phrase, and section 3.3 of the user agreement says Blockchain.com has no technical ability to access the assets. Lose the password and the phrase together and the funds cannot be recovered.<\/div>\n<div class=\"msq-choice-result\" data-for=\"b\" hidden><strong>Custodial. Blockchain.com holds the keys.<\/strong> The private key page says it manages the keys on your behalf and does not give you direct access. Section 4.1 keeps title with you but holds the coins in shared omnibus addresses. Your Recovery Phrase does not restore it; identity verification does.<\/div>\n<div class=\"msq-choice-result\" data-for=\"c\" hidden><strong>Custodial, and title moves.<\/strong> The Rewards backup page calls the account custodial and not backed by your phrase. Section 5.1.4 of the user agreement says you transfer all rights, title and interest in those assets to Blockchain.com while they stay there.<\/div>\n<div class=\"msq-choice-result\" data-for=\"d\" hidden><strong>Custodial.<\/strong> Section 5.2.2 of the user agreement says staked assets move to a Blockchain.com Staking Wallet and may be locked during bonding and unbonding periods. Your Recovery Phrase does not cover it.<\/div>\n<p class=\"msq-note\">Compiled from Blockchain.com&#8217;s support pages and user agreement, read 13 October 2026. General information, not advice. No page should ever ask you to type your Recovery Phrase, and this one does not.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"does-the-defi-wallet-actually-hold-bitcoin\">Does the DeFi Wallet actually hold bitcoin?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, and this is worth checking because some wallet apps quietly do not. The <a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/360045140832-What-cryptocurrencies-and-networks-are-supported-for-transacting-in-the-Blockchain-com-Wallet\" target=\"_blank\" rel=\"noopener\">supported networks page<\/a>, last edited 24 July 2026, lists Bitcoin (BTC) first among the assets the non custodial DeFi Wallet can send and receive, alongside Ethereum, Bitcoin Cash, Stellar, Stacks, Cardano and tokens on several other networks. The Trading Account supports a longer list, but that list is held for you rather than by you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/360029029911-What-Is-the-Defi-Wallet-A-Beginner-s-Guide\" target=\"_blank\" rel=\"noopener\">beginner\u2019s guide<\/a> says the Wallet is open source and links to the code on <a href=\"https:\/\/github.com\/blockchain\" target=\"_blank\" rel=\"noopener\">GitHub<\/a>, and it says the wallet is a web based wallet whose encrypted file holds your private keys, your addresses and your Recovery Phrase. That makes the DeFi Wallet a hot wallet: keys live on an internet connected phone or browser. Self custody and cold storage are different things, and <a href=\"https:\/\/getbitcoin.guide\/articles\/what-is-a-cold-wallet\/\">the cold wallet guide<\/a> covers the gap between them.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1376\" height=\"768\" src=\"https:\/\/getbitcoin.guide\/articles\/wp-content\/uploads\/2026\/10\/key-custody-for-blockchain-com-wallet.jpg\" alt=\"A physical key held over a smartphone displaying a secure blockchain com wallet interface on a desk.\" class=\"wp-image-581\" srcset=\"https:\/\/getbitcoin.guide\/articles\/wp-content\/uploads\/2026\/10\/key-custody-for-blockchain-com-wallet.jpg 1376w, https:\/\/getbitcoin.guide\/articles\/wp-content\/uploads\/2026\/10\/key-custody-for-blockchain-com-wallet-300x167.jpg 300w, https:\/\/getbitcoin.guide\/articles\/wp-content\/uploads\/2026\/10\/key-custody-for-blockchain-com-wallet-1024x572.jpg 1024w, https:\/\/getbitcoin.guide\/articles\/wp-content\/uploads\/2026\/10\/key-custody-for-blockchain-com-wallet-768x429.jpg 768w\" sizes=\"auto, (max-width: 1376px) 100vw, 1376px\" \/><figcaption class=\"wp-block-image__caption\">The DeFi Wallet key is yours; the Trading Account key is Blockchain.com\u2019s.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-does-the-automatic-cloud-backup-change\">What does the automatic cloud backup change?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">More than most users realise, because it is switched on by default. The <a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/4417080487828-How-does-Blockchain-com-s-mobile-cloud-backup-feature-work\" target=\"_blank\" rel=\"noopener\">cloud backup page<\/a> says that from app version 2.57.0 on iOS and 6.36.3 on Android, signing up or logging in automatically backs up the wallet to your Apple iCloud or Google Drive account. Restoring on a new phone needs only the app and your PIN.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The vendor says the backup is encrypted and gives access to neither Apple, Google nor Blockchain.com. It also adds the sentence that matters: &#8220;As long as you keep your private wallet information and cloud account secure, only you can access your wallet and funds.&#8221; In practice that means the security of the DeFi Wallet now leans on two things the 12 words never needed: your cloud account and your PIN. You can opt out in the wallet settings, and the page then says to write the Recovery Phrase down. <a href=\"https:\/\/getbitcoin.guide\/articles\/your-recovery-phrase\/\">The recovery phrase article<\/a> covers how.<\/p>\n\n\n\n<div class=\"msq-tool msq-check\" data-id=\"blockchain-com-backup-check\" data-verb=\" done\">\n<h3>Before you rely on the DeFi Wallet backup<\/h3>\n<p>Every item comes from Blockchain.com&#8217;s own support pages, read 13 October 2026. Tick the ones you have actually done.<\/p>\n<label><input type=\"checkbox\">Written the 12 word Recovery Phrase down and stored it offline, because Blockchain.com cannot reset or recover it<\/label>\n<label><input type=\"checkbox\">Checked whether the automatic iCloud or Google Drive backup is on, since it is on by default in the mobile app<\/label>\n<label><input type=\"checkbox\">Secured that cloud account with its own strong second factor, because the vendor says the backup is only as safe as the cloud account<\/label>\n<label><input type=\"checkbox\">Noted that the cloud restore works only between devices on the same operating system<\/label>\n<label><input type=\"checkbox\">Understood that the phrase does not restore the Trading Account or the Rewards accounts, which are recovered through identity verification<\/label>\n<p class=\"msq-check-count\"><\/p>\n<p class=\"msq-note\">General information from the vendor&#8217;s own pages, not advice. Blockchain.com says it never asks for your Recovery Phrase and does not call retail customers.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-happens-to-each-balance-if-you-lose-your-password\">What happens to each balance if you lose your password?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The answers split along the same custody line. For the DeFi Wallet, the beginner\u2019s guide says Blockchain.com &#8220;does not store passwords for Wallets&#8221; and cannot reset them. The phrase restores access. Lose the password and the phrase together, and the comparison page says &#8220;your funds cannot be recovered.&#8221;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For the custodial balances it works the other way round. The <a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/360051018091-Is-my-Blockchain-com-Trading-Account-backed-up\" target=\"_blank\" rel=\"noopener\">Trading Account backup page<\/a> says the account is tied to your identity profile, so even with the password and the phrase both gone you can still recover your custodial funds through verification, while &#8220;the funds held in your Wallet will be lost.&#8221; So the custodial side is easier to recover and easier to restrict, for the same reason: somebody else holds the key. Neither is a flaw. It is what the two words mean, and <a href=\"https:\/\/getbitcoin.guide\/articles\/non-custodial-crypto-wallet\/\">the non custodial wallet guide<\/a> sets out the trade in full.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-do-people-who-use-blockchain-com-report\">What do people who use Blockchain.com report?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.trustpilot.com\/review\/blockchain.com\" target=\"_blank\" rel=\"noopener\">Trustpilot page for blockchain.com<\/a>, read on 13 October 2026, showed 6,937 reviews and a TrustScore of 2.7, with 69 per cent at one star and 14 per cent at five. The 22 reviews on the first page and two Reddit threads, with about 90 comments between them, were read for this section. This is testimony, not evidence: what people say happened, dated and linked so you can read it yourself.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The one star accounts share a shape, and it is the custodial one. On 29 September 2026 a reviewer described about 70,000 dollars held during an account review with no clear next step. On 6 October another reported a withdrawal pending for more than 45 days after sending the documents asked for. On 24 September a reviewer said an email change moved the account into a security review and restricted the custodial assets. In <a href=\"https:\/\/www.reddit.com\/r\/Bitcoin\/comments\/1wjqobb\/blockchaincom_blocked_my_wallet\/\" target=\"_blank\" rel=\"noopener\">r\/Bitcoin in September 2026<\/a> a poster said withdrawals of their bitcoin had been blocked for over two months; asked in the thread, they said it was &#8220;on the cex wallet&#8221;, the custodial side, and another commenter pointed out the DeFi Wallet was still reachable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Against the pattern: two five star reviews on the first page describing no problems, and a commenter in <a href=\"https:\/\/www.reddit.com\/r\/Bitcoin\/comments\/1vzurdt\/blockchaincom_app_every_single_transaction_stuck\/\" target=\"_blank\" rel=\"noopener\">an August 2026 thread<\/a> who reported moving funds from a 2017 self custody wallet without trouble. That thread\u2019s poster described 5,000 dollars stuck pending for three and a half months without saying which balance it sat in, and a reply asked exactly that. Several Trustpilot reviews were also about unsolicited phone calls rather than the product, which leads to the next section.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1376\" height=\"768\" src=\"https:\/\/getbitcoin.guide\/articles\/wp-content\/uploads\/2026\/10\/password-recovery-blockchain-com-wallet.jpg\" alt=\"A man reflecting on password recovery options for his blockchain com wallet at a study desk.\" class=\"wp-image-582\" srcset=\"https:\/\/getbitcoin.guide\/articles\/wp-content\/uploads\/2026\/10\/password-recovery-blockchain-com-wallet.jpg 1376w, https:\/\/getbitcoin.guide\/articles\/wp-content\/uploads\/2026\/10\/password-recovery-blockchain-com-wallet-300x167.jpg 300w, https:\/\/getbitcoin.guide\/articles\/wp-content\/uploads\/2026\/10\/password-recovery-blockchain-com-wallet-1024x572.jpg 1024w, https:\/\/getbitcoin.guide\/articles\/wp-content\/uploads\/2026\/10\/password-recovery-blockchain-com-wallet-768x429.jpg 768w\" sizes=\"auto, (max-width: 1376px) 100vw, 1376px\" \/><figcaption class=\"wp-block-image__caption\">Lose the password and the phrase together, and the DeFi Wallet cannot be recovered.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-security-warnings-has-blockchain-com-published\">What security warnings has Blockchain.com published?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The most current one is about phone calls. The <a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/30694510505756-A-suspicious-call-about-your-crypto-account\" target=\"_blank\" rel=\"noopener\">suspicious call page<\/a>, last edited 1 October 2026, says plainly: &#8220;Blockchain.com does not call retail customers.&#8221; It describes a customer who was told their bitcoin was frozen, asked for a 365 dollar fee, then talked into sharing their recovery phrase and moving coins to a wallet the caller controlled. If anyone asks for your phrase, end the conversation. No legitimate company needs it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The same page warns readers to be wary of anyone offering to recover lost funds for a fee, calling that &#8220;often a second scam.&#8221; Yet the help centre also carries a <a href=\"https:\/\/support.blockchain.com\/hc\/en-us\/articles\/13705124552860-Wallet-Access-Recovery-Service\" target=\"_blank\" rel=\"noopener\">Wallet Access Recovery Service<\/a> page, edited 15 July 2026, saying unnamed &#8220;partners may be able to assist&#8221; with lost passwords and backup seeds, charging only on success after identity checks. The page does not name the partners. The two pages are reconcilable only by who started the conversation, and this site will not point you at any service that asks for a seed phrase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The older history is short but real. In December 2014 <a href=\"https:\/\/cointelegraph.com\/news\/white-hat-hacker-returns-missing-bitcoins-to-blockchaininfo\" target=\"_blank\" rel=\"noopener\">Cointelegraph reported<\/a> that a white hat hacker returned bitcoins taken from Blockchain.info wallets, the company\u2019s former name, after a flaw in how the web wallet generated random numbers exposed some addresses. The exact count of addresses affected could not be confirmed against a Blockchain.com advisory for this article. No 2026 security incident at Blockchain.com turned up in the searches made on 13 October 2026.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-does-this-mean-for-someone-holding-bitcoin\">What does this mean for someone holding bitcoin?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Three facts, with no advice attached. Bitcoin in the DeFi Wallet sits under keys only you hold, backed by a 12 word phrase and, unless you opt out, an encrypted copy in your cloud account. Bitcoin in the Trading Account is a custodial balance held in shared addresses under section 4.1. And anything in the Rewards accounts has, under section 5.1.4, passed in title to Blockchain.com. The chooser below restates which balance is which, in the vendor\u2019s own words. It never asks for a phrase, and no page ever should. For how the bigger exchange apps compare, see <a href=\"https:\/\/getbitcoin.guide\/articles\/exchange-wallets-coinbase-kraken-robinhood\/\">the exchange wallets guide<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"frequently-asked-questions\">Frequently asked questions<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-q-1\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is the Blockchain.com wallet the same as Blockchain.info?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes. Blockchain.info is the company\u2019s former name and web address. The self custody wallet is now called the DeFi Wallet or simply Wallet inside the Blockchain.com app.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-q-2\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I export the private key for my Trading Account?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No. The private key help page says the Trading Account is custodial and Blockchain.com does not provide direct access to its private key. The non custodial Wallet lets you access and export its private key.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-q-3\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Does my Recovery Phrase restore my Trading Account?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No. Blockchain.com says the Trading Account and the Rewards accounts are not backed up by the Recovery Phrase. They are tied to your identity profile and recovered through verification.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-q-4\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I turn off the iCloud or Google Drive backup?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes. The cloud backup page says you can opt out in the wallet settings, and that if you do, you should write down your Recovery Phrase and store it securely.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-q-5\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Does Blockchain.com ever phone customers?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Not retail customers. Its support page says it does not call them, with an exception only for Wealth clients who have scheduled calls with dedicated agents.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-q-6\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is the Blockchain.com wallet open source?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The beginner\u2019s guide says the Wallet is open source and links to Blockchain.com\u2019s code on GitHub. The custodial Trading Account runs on the company\u2019s own systems.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"msq-end\" id=\"ms-quiz-end\">\n<p><strong>Finished the page?<\/strong> The same five questions from the top, to see what stuck.<\/p>\n<button type=\"button\" class=\"msq-btn msq-start-test\">Test Your Understanding of This Article<\/button>\n<div class=\"msq-mount\"><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><em>This article is educational and is not financial advice. Nothing here is a recommendation to buy, sell or hold anything. You are responsible for your own security decisions.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>One app, several balances, two very different answers to the question of who holds the keys. Read from Blockchain.com\u2019s own support pages and user agreement on 13 October 2026.<\/p>\n","protected":false},"author":1,"featured_media":580,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","rank_math_title":"Blockchain.com Wallet: Which Balances You Hold the Keys To","rank_math_description":"In the Blockchain.com wallet app you hold the keys to the DeFi Wallet only. The Trading Account and Rewards balances are custodial.","rank_math_focus_keyword":"blockchain com wallet","rank_math_canonical_url":"","rank_math_breadcrumb_title":"","rank_math_facebook_title":"","rank_math_facebook_description":"","rank_math_facebook_image":"","rank_math_twitter_title":"","rank_math_twitter_description":"","rank_math_twitter_image":"","rank_math_pillar_content":"","rank_math_robots":[],"rank_math_advanced_robots":[]},"categories":[2],"tags":[],"class_list":["post-583","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wallets"],"_links":{"self":[{"href":"https:\/\/getbitcoin.guide\/articles\/wp-json\/wp\/v2\/posts\/583","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/getbitcoin.guide\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/getbitcoin.guide\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/getbitcoin.guide\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/getbitcoin.guide\/articles\/wp-json\/wp\/v2\/comments?post=583"}],"version-history":[{"count":3,"href":"https:\/\/getbitcoin.guide\/articles\/wp-json\/wp\/v2\/posts\/583\/revisions"}],"predecessor-version":[{"id":587,"href":"https:\/\/getbitcoin.guide\/articles\/wp-json\/wp\/v2\/posts\/583\/revisions\/587"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/getbitcoin.guide\/articles\/wp-json\/wp\/v2\/media\/580"}],"wp:attachment":[{"href":"https:\/\/getbitcoin.guide\/articles\/wp-json\/wp\/v2\/media?parent=583"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/getbitcoin.guide\/articles\/wp-json\/wp\/v2\/categories?post=583"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/getbitcoin.guide\/articles\/wp-json\/wp\/v2\/tags?post=583"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}