You have Bitcoin for long-term holds. Ethereum for DeFi experiments. Stablecoins earning yield. And some coins you're trading. Right now, you're managing this across multiple wallets, multiple seed phrases, or (worse) a centralized exchange. Tangem's Multi-Accounts solves this: one wallet, one seed phrase, 20 independent accounts. Banking-level organization. Self-custody security.
If you're a serious crypto user, you're doing multiple things with your assets:
Bitcoin, Ethereum sitting untouched for 5+ years. You want this somewhere absolutely secure and separate from trading noise.
Testing new protocols, liquidity pools, yield farms. This is volatile and experimental. It shouldn't touch your long-term stack.
Stablecoins earning variable APY on Aave, Lido, or other protocols. This needs its own tracking and monitoring.
Swapping between different coins multiple times per week. High velocity, high gas costs, high attention required.
Your current options are all broken:
What if you could organize like a bank without giving up custody?
Tangem's Multi-Accounts feature lets you create up to 20 separate accounts within a single wallet, all managed by a single seed phrase (or single Tangem card).
Account 1 (Hodl): Long-term Bitcoin and Ethereum. Rarely touched. Clear, minimalist view. No trading noise.
Account 2 (DeFi Lab): Experimental yields, new protocols, risky allocations. Visually separate. Easy to track performance.
Account 3 (Yield): Stablecoins earning APY. Simple, focused tracking. You know exactly how much is yielding at any moment.
Account 4 (Trading): Active swaps and day-trading. High velocity. Zero confusion with long-term positions.
And 16 more if you want them. One wallet. One seed phrase. One interface.
This isn't just a UI trick where you filter the same addresses into different views.
Each account is genuinely independent:
You have $500k in BTC and ETH. You're not touching it for 10 years. You want it somewhere absolutely secure, with zero contract interactions.
Old way: One hardware wallet. You watch it accumulate, but you also see swap requests, staking offers, yield notifications that tempt you. Mental tax.
Multi-Accounts way: Create an "Untouchable" account. Set it as read-only in the app. It shows your balance, nothing else. No buttons to push. No approvals to sign. Pure holding clarity.
You're testing new Solana protocols, Arbitrum bridges, exotic yield strategies. You want to allocate $20k to experiments, keep $200k safe.
Old way: Different hardware wallet ($150+). Different seed phrase to backup. Now managing two devices, two recovery codes, two software versions. One gets hacked? You're still down $20k.
Multi-Accounts way: Create an "Experiment" account in the same Tangem card. Fund it with $20k. All WalletConnect approvals go to this account's address only. If the protocol exploits users, your main account is completely isolated. Still one seed phrase. Still one backup. Still one device.
You manage crypto for family members: Mom's BTC (hodl), your wife's stablecoin yields, your kids' educational allocations.
Old way: Three different Tangem cards or three different seed phrases. You're managing backups for three people across three devices. Inheritance is a nightmare.
Multi-Accounts way: One card. Four accounts. One seed phrase to backup. When you pass it to your family, they tap the card and can see Mom's allocation, the yields, the education fund—all separate, all clear. Inheritance is one device and one conversation about the PIN.
You want to create 20 accounts, but you'll eventually hit the limit. Tangem's archive system solves this without deleting anything:
When you archive an account, it disappears from your main view and your total balance calculation. But all funds, all addresses, all transaction history stay intact.
Un-archive an old account whenever you want. All your history comes back. No loss of data. It's like storing a file in a hidden folder.
This is critical: You can keep unlimited accounts archived. You only count against the 20-account limit if the account is active. Need to free up a slot? Archive an old trading account. Restore it later. Perfect for users who experiment across market cycles.
Every account supports everything:
No compromises. You're not creating "lite" accounts. Every account is fully featured. You're only organizing which addresses go where.
Here's what makes this genuinely self-custody:
Tangem uses BIP-44 standards for account derivation. This is the same standard Bitcoin, Ethereum, and every major blockchain uses. It means:
Tangem uses Hierarchical Deterministic wallets (BIP-32), which means it generates billions of unique keys from a single master seed using cryptographic derivation paths. Each account gets its own branch of this tree (m/44'/60'/0'/0/0 for Account 1, m/44'/60'/0'/0/1 for Account 2, etc.). Same seed. Different branches. Mathematically unique and secure.
TL;DR: One seed, infinite accounts, zero lock-in.
| Feature | Tangem Multi-Accounts | Multiple Hardware Wallets | Centralized Exchange |
|---|---|---|---|
| Number of Accounts | 20 per wallet | Unlimited (but need multiple devices) | Unlimited |
| Recovery Codes to Manage | 1 | 1 per device | 1 (but custodian controls it) |
| You Own the Funds | ✓ | ✓ | ✗ |
| Isolation Between Accounts | ✓ (separate addresses) | ✓ (separate devices) | ✓ (UI only) |
| One Interface for All | ✓ | ✗ (separate devices) | ✓ |
| Cost | Varies by package/region | $130-$400 (per device) | Free (but fees on trades) |
| Inheritance | Simple (1 card, 1 PIN) | Complex (multiple devices) | Impossible (custodian) |
Self-custody used to mean complexity: multiple wallets, multiple seed phrases, mental overhead. Tangem's Multi-Accounts changes that.
You can now organize your crypto the way a bank organizes money: Savings account (hodl), Money Market account (yields), Investment account (DeFi experiments), Trading account (swaps). Separate addresses. One backup. One device. One interface.
All while keeping 100% custody. No compromise on security. No compromise on simplicity.
Multi-Accounts is available now on Tangem mobile wallets and Tangem cards. Create up to 20 accounts. One seed phrase. Banking-level organization. Self-custody security.
Download Tangem App (Free) → Get Tangem Card →Disclosure: We earn affiliate commissions on Tangem card purchases and wallet activity. We recommend Tangem Multi-Accounts because it solves the portfolio organization problem without custody risk, not because of the commission.
Freshness note: Features, pricing, campaign rewards, supported assets/networks, and compliance interpretations can change. Verify current details with official vendor documentation before making operational or investment decisions.