Last updated: March 2023 / 780402 o'block
When you first try to learn about Bitcoin, there's a lot of mention of wallets: hardware wallets, software wallets, app wallets, hot or cold, custodial or not, wallets by different vendors... It's easy to get lost in all this. The good news is that to get started, you only really need to understand the two main kinds of wallets, and two ways of using them.
Two kinds of Bitcoin wallets (that can keep on-chain bitcoin):
Two ways of using Bitcoin wallets:
But why would you do that? If we can use a software wallet for everything, why do we need a hardware wallet?
Alright, I like the sound of that cold storage. How does that work?
Let's say you want to spend some bitcoin you have in your wallet. You create your transaction in your interface/software wallet, but because it doesn't know your private keys, the transaction is at that point unsigned. The software wallet passes it on to your hardware wallet, and the hardware wallet signs it and passes it back to the interface so it can broadcast it to the Bitcoin network.
Notice the private keys remain offline, never leaving the hardware wallet - only the signed transaction is passed back to your interface software. It's like using those old-timey letters and wax seals: you write a letter and seal the envelope with your seal so everyone knows it was you who sent it, but you only send the letter and your seal is safely kept to yourself.
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This Orange Note is aimed at complete Bitcoin beginners and, in order to keep things simple, is only about light wallets (meaning it's not dealing with running your own node). Once you've mastered the simple, you may want to learn how to use a node - it's a whole new better way of using the Bitcoin network!
Graphical abstract: for when you just need a quick overview or reminder - same stuff as above, just all in one image.