60+ supported networks are only useful to normies if they can fund the wallet without a CEX hop, and Apple Pay turns that first deposit into a familiar fiat checkout instead of a crypto onboarding ritual. Tangem keeps key custody local, but the messy part moves to Mercuryo: KYC, card approval rates, chargebacks, regional coverage, and spread. Hardware wallets are becoming wallet-native brokerage surfaces, the same direction MetaMask and Ledger Live have pushed for years, just wrapped in colder custody.

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