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Tangem vs Ledger: what their terms and records say

No winner declaredLast reviewed
In short, from the documents

Tangem vs Ledger: what differs?

From their own documents, Tangem and Ledger differ on who can block an address, the gambling clause (Tangem: not disclosed; Ledger: illegal gambling only) and recorded incidents (2 against 0). No winner is declared: which difference counts depends on how you use the wallet. 4 differences are explained below with who each one matters to.

Documents last checked Reviewed by CryptoGuardz Register Desk, editorial desk

Disclosure: CryptoGuardz has no commercial relationship with Tangem or Ledger Wallet (Ledger Live) and earns nothing if you install either. Every cell below is a field from one of the two register records, each built from documents the company publishes and dated when read. Corrections go to the corrections page.

Tangem and Ledger side by side

Tangem and Ledger from their register records. Not ranked and not scored.
FieldTangemLedger
TypeHardware wallet with companion appHardware wallet with companion app
Custody in the termsSelf-custodial, by the termsSelf-custodial, by the terms
Entity and governing lawTangem AGSwitzerlandLedger SASFrance
Who can block an addressNone disclosed in the documents readAnother party in the stack
Gambling clauseNot disclosedIllegal gambling only
Liability capall loss excludedall loss excluded
Incidents on record2Latest 2025-09-170None found in primary sources; not proof of none
Cloud or hosted backupNot offeredNot offered
Sub-service clauses53
Chains namedBitcoin, Ethereum, Solana, TON, Tron, BNB Chain, Base, PolygonBitcoin, Ethereum, BNB Chain, Solana, Tron
Terms readTangem Terms of Service (Official Mobile Application), last updated 14 September 2026Retrieved 2026-10-07 from tangem.comLedger Wallet Terms of Use, 4 November 2025Retrieved 2026-09-28 from shop.ledger.com

What differs, and who it matters to

This comparison reads two records and declares no winner. Tangem's binding document is the Tangem Terms of Service (Official Mobile Application), last updated 14 September 2026; Ledger's is the Ledger Wallet Terms of Use, 4 November 2025. On who can block an address, Tangem: none disclosed in the documents read; Ledger: another party in the stack. That matters to anyone sending to an address a screening tool might flag, a casino deposit address included. On gambling, Tangem's terms: not disclosed; Ledger's: illegal gambling only. That matters to anyone funding a casino from the wallet, because a breach can cost access to the app. The record holds 2 primary-source incidents for Tangem and 0 for Ledger; a count of disclosures, not a measure of safety, and it matters most to past customers whose contact details or keys were involved. Tangem contracts through Tangem AG and Ledger through Ledger SAS, under different law, which matters to anyone who may need to bring a claim. The two records agree on custody position and liability cap. The record lists 5 sub-service clauses for Tangem and 3 for Ledger: places where a swap, purchase or staking goes to another party. 6 points could not be verified for Tangem and 4 for Ledger.

Analysis on Tangem and Ledger

Ledger Nano X review from Ledger's own pages, specs, price, Ledger Recover and two incidentsThe Ledger Nano X lists at US$99 on Ledger's US shop, read 14 October 2026, with an ST33J2M0 chip rated CC EAL5+, Bluetooth 5.2 and a 5 hour battery. Ledger Recover is a paid, optional key backup. Ledger's 2020 customer-data breach and 2023 Connect Kit attack did not break the device; both fed theft through phishing and malicious signing.Ledger Recover explained: how the 3 encrypted fragments, the ID checks and the subscription work, per Ledger's own documentsLedger Recover is an opt-in subscription, provided by Coincover, that encrypts a copy of the seed inside the device, splits it into three fragments held by Coincover, Ledger and EscrowTech, and releases two of them after two independent identity checks. Unpaid subscriptions are suspended after 3 months and fragments deleted after 9 more.Ledger vs Trezor, compared on chips, open source, Ledger Recover, prices and coin supportLedger and Trezor both sell hardware wallets with certified secure elements. Ledger's chip code is closed under its agreement with STMicroelectronics and it sells Ledger Recover, an optional ID-based phrase backup; Trezor publishes its code and sells no comparable service on the pages read. US prices on 14 October 2026 run US$69 to US$399 for Ledger and US$59 to US$249 for Trezor.Solana wallets compared: Phantom, Solflare, Backpack, Ledger and Trezor on custody, fees, code and incidentsFive wallets that hold SOL were compared on what their own documents say. Only one, Backpack, puts a swap fee percentage in writing, and its blog contradicts it. Phantom's help centre said in September that its Google or Apple wallets split a key with Phantom; Solflare's terms say it never holds enough to move funds.

Other comparisons

All 7 with the fields each turns on: every wallet comparison.

Compiled by the CryptoGuardz Register Desk from the Tangem and Ledger records. Quotations and fields are as recorded, with retrieval dates on the full entries: Tangem, Ledger. Corrections: corrections.