Your keys. Your crypto. One wallet.

Most wallets ask you to juggle a different app for every chain. Sezvo derives addresses for nine networks from one recovery phrase, so you manage everything in one place. The supported networks are:

• • Ethereum — the original smart-contract network and home to most stablecoins and tokens.
• • Arbitrum — an Ethereum layer-2 with far lower fees and fast confirmations.
• • Polygon — low-cost transfers and a wide range of tokens and stablecoins.
• • BNB Chain — high throughput and low fees for tokens and stablecoins.
• • Optimism — an Ethereum layer-2 optimised for cheap, quick transactions.
• • Base — a popular layer-2 with low fees and growing stablecoin support.
• • Avalanche — a fast network with sub-second finality on its C-Chain.
• • Bitcoin — the original chain, for holding and sending BTC.
• • TRON — widely used for low-cost stablecoin transfers, especially USDT.

The six EVM-compatible networks (Ethereum, Arbitrum, Polygon, BNB Chain, Optimism, Base, and Avalanche) share the same address format, so the same public address works across them — but a transaction always settles on the specific network you choose. Bitcoin and TRON use their own address formats and their own fee models. The app keeps these distinct so you never have to guess which network a given balance lives on.

Self-custody is the heart of how the Sezvo wallet works, and it is worth being honest about what it means. A recovery phrase — also called a seed phrase — is a list of words generated when your wallet is created. From it, every private key and address in your wallet is mathematically derived. Whoever holds the phrase controls the funds. There is no "forgot password" for a blockchain.

When you set up your wallet, you will be prompted to write the phrase down and store it offline, somewhere only you can reach. We strongly recommend against storing it in a screenshot, a cloud note, an email to yourself, or a password manager that syncs across devices, because anywhere your phrase can be copied is somewhere your crypto can be stolen. A metal backup plate or paper kept in a safe place is far harder to compromise.

The implications of self-custody are straightforward:

• • Sezvo cannot recover your phrase. We never see it and we do not store it. If you lose it and lose access to your device, the funds are gone.
• • Sezvo cannot reverse a transaction. Once a send is confirmed on-chain, it is final.
• • Nobody can freeze your crypto for you. The flip side of true ownership is total responsibility.

If self-custody sounds daunting, that is reasonable — it is a meaningful responsibility. Take it slowly, start with a small amount while you learn, and make sure your backup is secure before you hold anything you would be upset to lose.

On each network you can hold and transact its native asset — BTC on Bitcoin, ETH on Ethereum and the EVM layer-2s, BNB on BNB Chain, AVAX on Avalanche, TRX on TRON — alongside major tokens and widely used stablecoins available on that chain. Stablecoins such as USDT and USDC are commonly transferred on networks like TRON, Polygon, and Arbitrum precisely because the fees are low and confirmations are quick.

The set of supported assets can change over time as networks and markets evolve, so the definitive, current list always lives in the app. A token only appears once it is supported on a particular network; the same ticker on a different chain is a different on-chain asset, and sending it to the wrong network will not deliver it. The app keeps assets organised by network so you can always see exactly where a balance sits.

Crypto can be rewarding, but it carries real risks that are very different from your everyday Sezvo account. Please understand them before you begin.

• • Unregulated. Crypto assets are largely unregulated. The consumer protections that apply to regulated e-money and banking services generally do not apply to crypto.
• • Volatile. Prices can move sharply and without warning. The value of your holdings can fall as fast as it rises, and you could lose some or all of the money you put in.
• • Not deposit-protected. Crypto held in your self-custodial wallet is not covered by any deposit guarantee scheme. The €100,000 protection that applies to eligible deposits with Sezvo does not extend to crypto. Self-custodial crypto is not safeguarded e-money either — it sits on-chain, controlled only by your keys.
• • Irreversible. On-chain transactions cannot be undone. Mistakes — wrong address, wrong network — typically mean permanent loss.
• • You are the last line of defence. If you lose your recovery phrase, no one can restore your funds.

Use crypto responsibly. Only commit money you can genuinely afford to lose, never borrow to invest, and be sceptical of anyone promising guaranteed or outsized returns — that is the signature of a scam. Take time to understand an asset before you buy it, keep your recovery phrase offline and private, and walk away from any "support" agent, giveaway, or message that asks for your phrase or pressures you to send funds urgently. If you are unsure, our 24/7 in-app support team can help you with how the wallet works — but they will never ask for your phrase, and neither will we.