Report updated Jul 1, 2026
Grateful by Exodus
For individuals seeking global, borderless payment solutions using stablecoins with self-custody security.
Grateful by Exodus is an established finance app that is completely free.
What is Grateful by Exodus?
Grateful is a self-custodial stablecoin wallet and prepaid Visa card app for global payments on iOS.
Users hire Grateful to bridge stablecoin holdings into daily commerce without relying on custodial exchanges, serving the need for borderless spending with personal asset control.
Current Momentum
v26.3
- Released initial iOS build Nov 2025.
- Ships regular updates since Mar 2026.
Active Nemesis
Zengo: Crypto & Bitcoin Wallet
By ZenGo
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What makes this app unique?
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What Are The Key Features?
User retains sole control of private keys via passkey authentication.
Virtual card for spending stablecoin balances.
Automated exchange rate optimization based on transaction volume.
How much does it cost?
- Free app access
- Transaction fees per Cardholder Agreement
Monetization relies on transaction-based fees and program management.
Who Built It?
Exodus Movement
Providing self-custodial cryptocurrency management and global payment solutions. Enabling users to control digital assets across mobile and desktop.
Portfolio
2
Apps
What other apps does Exodus Movement make?
Explore the full Exodus Movement report
Portfolio breakdown, audience, momentum, and every app published by Exodus Movement.
What do users think recently?
Analysis in progress, available soon
What is the competitive landscape for Grateful by Exodus?
How's The Finance Market?
Market outlook for this category
Available very soon
Which niche is Grateful by Exodus in?
Explore the full Crypto Dashboards niche
Every app in this space — 50 tracked, the niche's live rankings, and Marlvel's editorial take on the job-to-be-done.
The rivals identified
Nemeses(1)
Zengo competes directly for the non-custodial wallet user base by prioritizing security and ease of use, mirroring Grateful's focus on stablecoin management.
Differentiators
- MPC-based security removes seed phrase reliance, offering a significantly lower barrier to entry for mainstream users.
- ClearSign Web3 firewall provides proactive transaction security that Grateful currently lacks in its core payment flow.
- Established 3FA recovery mechanisms provide a robust safety net that builds deep trust with retail crypto holders.
Head to head
Grateful must emphasize its 'money that moves' utility while closing the security perception gap with advanced, user-friendly recovery features.
Contenders(4)
HyperInsight competes for the attention of sophisticated users who want to track market movements alongside their asset management.
Differentiators
- AI-powered market analysis provides actionable intelligence that Grateful's payment-focused interface currently ignores.
- Real-time whale tracking features attract power users who prioritize market data over simple spending utility.
EdelPay targets the same self-custody demographic but differentiates through a proprietary inflation-hedge token ecosystem.
Differentiators
- Integration of a native inflation hedge token (EDLC) creates a unique value proposition for long-term holders.
- Swiss-based branding and self-custody focus appeal to privacy-conscious users seeking alternatives to standard payment apps.
This app competes for screen real estate by providing quick-glance market data that users often check before opening a wallet.
Differentiators
- Highly customizable home screen widgets allow users to monitor prices without launching a full financial application.
- Lightweight architecture focuses exclusively on data visualization, avoiding the overhead of a full-featured payment wallet.
MinerX captures the interest of users looking to generate passive income through crypto, overlapping with Grateful's financial utility.
Differentiators
- Cloud-based hash power management allows users to participate in mining without owning specialized hardware infrastructure.
- Auto-renewable subscription model creates a recurring revenue stream that contrasts with Grateful's transaction-based focus.
Same space(3)
This tool serves the same crypto-curious audience by helping them calculate profitability before they commit to spending or mining.
Differentiators
- Real-time profitability analysis provides specific hardware ROI data that Grateful does not offer to its users.
- Offline detection capabilities ensure users can access critical mining data even in low-connectivity environments.
Cove is a direct functional peer in the self-custody wallet space, focusing on security-first Bitcoin management.
Differentiators
- Hardware wallet integration provides a professional-grade security layer that appeals to advanced, security-conscious Bitcoin holders.
- Decoy and wipe PIN features offer advanced privacy protections that differentiate it from standard consumer wallets.
This app serves the niche segment of users who manage mining operations and need to track their earnings in real-time.
Differentiators
- Direct integration with Mining Pool Hub provides specialized stats for miners that general wallets lack.
- Auto-exchange currency tracking automates the monitoring of mining rewards across multiple different crypto assets.
Compare Grateful by Exodus against every rival
All rivals in one side-by-side table — identity, store metrics, ratings & sentiment, and strategic intel — plus a head-to-head page for each.
The outtake for Grateful by Exodus
Strengths to defend, gaps to attack
Core Strengths
- Passkey authentication removes traditional seed phrase friction
- Exodus brand heritage provides immediate security credibility
- Integrated FX optimization rewards high-volume spenders
Critical Frictions
- Zero rating count indicates low market penetration
- Lacks proactive Web3 firewall security
- No established user trust metrics compared to rivals
Growth Levers
- Partner with hardware wallet providers for physical security
- Implement automated tax reporting for stablecoin transactions
- Expand B2B partnerships for card program management
Market Threats
- Zengo’s MPC-based security architecture attracts mainstream users
- Established wallets with 10,000+ ratings dominate trust-sensitive segments
- Transaction-based revenue model risks compression from low-fee competitors
What are the next best moves?
Ship Web3 transaction firewall because Zengo’s firewall is a primary competitive differentiator → increase user trust
Zengo’s ClearSign firewall is a core differentiator that Grateful currently lacks, creating a security perception gap.
Trade-off: Push the automated tax reporting feature to Q4 — security parity is a higher priority for new user conversion.
Implement 3FA recovery mechanisms because user reviews for rivals highlight recovery as a top trust factor → reduce churn
Zengo’s recovery mechanisms are a key reason for their high brand trust compared to standard self-custody wallets.
Trade-off: Pause the dynamic FX rate UI refresh — trust-based recovery has a higher impact on long-term retention.
A counter-intuitive read
The lack of seed phrases via passkeys is a double-edged sword: it lowers entry friction but risks alienating power users who equate seed phrases with true self-custody.
Feature Gaps vs Competitors
- Web3 transaction firewall (available in Zengo but absent here)
- 3FA recovery mechanisms (available in Zengo but absent here)
Key Takeaways
Grateful offers strong self-custody utility, but it lacks the battle-tested security features required to displace established rivals, so the PM should prioritize security-parity features to close the trust gap.
Where Is It Heading?
Mixed Signals
The stablecoin payment market is consolidating around apps that prioritize both security and ease of use. Grateful is currently exposed due to its lack of established trust metrics, so the team must accelerate security-parity features to avoid being sidelined by incumbents.
The app is in a nascent launch phase with no rating history, which limits visibility into early user conversion success.
Competitors like Zengo possess battle-tested security architectures, which creates a high barrier for Grateful to establish trust with retail crypto holders.