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MyOwn.Money positions itself as a “self-hosted personal finance OS,” rather than a traditional exchange or a standalone wallet. It attempts to combine salary payments, wallet custody, DeFi yields, on-chain trading, cross-chain swaps, tax tools, and card spending into a single C-language binary running on the user’s own hardware. The site clearly states that it is still under active development and being tested with real funds, so it should be viewed more as an early-stage product/open-source technical approach than a mature financial service.
At the asset layer, it supports BIP-39/BIP-44 wallets covering Bitcoin, Ethereum, Solana, and EVM L2s including Arbitrum, Base, and Linea. The salary workflow depends on Bitwage, converting employer direct deposits into USDC and sending them to a Base or Solana wallet. On the DeFi side, it integrates Aave v3 supply and borrowing, Uniswap v3 token swaps, THORChain cross-chain swaps, and also offers limit orders, a market dashboard, an automated trading API, and a local tax engine.
For pricing, the official site says it will be a one-time purchase in the future, with no subscription, no custodial service, and no cloud component, but the exact price will be announced after testing ends. Fee information is limited: it only mentions a 0% fee for spending USDC with MetaMask Card and L2 gas below one cent. On-chain gas, protocol slippage, cross-chain costs, and external service fees are not explained in detail. The page does not disclose KYC requirements, regulatory licenses, or supported regions, which is a major uncertainty for use cases involving salary deposits and card spending.
Its security design emphasizes local control: private keys are encrypted with Argon2id and AES-256-GCM, decrypted only for signing, and then immediately wiped; inheritance features use Shamir Secret Sharing; automated trading includes an audit trail and an instant kill switch. The upside is reduced exposure to centralized custody and cloud leaks, but users must also take responsibility for deployment, backups, private-key management, and DeFi smart contract risk. The text does not mention cold wallet integration, insurance, or external audits.
It is better suited to advanced crypto users familiar with Linux/Raspberry Pi, self-hosted wallets, and DeFi protocols, especially those who want to receive USDC income and move directly into on-chain finance. For ordinary users who only need to buy and sell crypto or use a simple wallet, the barrier to entry is relatively high. Access from mainland China cannot be determined from the page; meanwhile, Bitwage, MetaMask Card, Mastercard, Apple Pay/Google Pay, and related KYC/regional restrictions may affect real-world usability. Possible alternatives include combinations of tools such as MetaMask, Rabby, Safe, Ledger Live, and Zerion.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on myown.money official site.
myown.money is an Unknown Crypto provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Workable. Click "Visit Official Site" to reach myown.money directly.