BULL Wallet Review
Privacy-first self-custody wallet with seamless Bitcoin, Lightning, and Liquid under one seed.
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Why We Recommend BULL Wallet
BULL Wallet delivers what most mobile wallets promise but rarely achieve: genuine self-custody with privacy-maximalist defaults that doesn't sacrifice usability. The app generates keys locally on your device, connects to your own node if you want, supports Payjoin for transaction privacy, uses Liquid's confidential transactions, and operates a strict no-data-collection policy with no IP tracking or push notifications. All of this ships in an open-source package under a permissive MIT-style license, so the code is fully auditable on GitHub.
What makes BULL Wallet genuinely compelling is how it handles the complexity of multi-network Bitcoin. You get on-chain Bitcoin for savings, Lightning and Liquid for spending, all derived from a single seed backup. The app uses non-custodial atomic swaps via Boltz to move funds between networks automatically—you can set autoswap rules to consolidate small Lightning or Liquid balances to on-chain once they hit a threshold like 0.01 BTC. Advanced users get full coin control, UTXO labeling, custom fee selection with RBF, and hardware wallet support starting with Coldcard Q1 for watch-only and PSBT workflows. The Recoverbull backup system offers an elegant middle ground: encrypted backup files stored in your cloud provider of choice, with the decryption key held on an anonymous Tor-only server, recoverable with just a PIN.
Best For
Privacy-conscious Bitcoiners who want mobile convenience without compromising on sovereignty. If you run your own node, care about Payjoin, and want to avoid unnecessary KYC while still having a polished app experience, BULL Wallet is built specifically for you. The combination of on-chain savings with Lightning and Liquid spending under one seed means you can handle everything from cold storage management to daily coffee purchases without juggling multiple apps.
Newcomers being onboarded by Bull Bitcoin or Bitcoin educators will appreciate how the wallet hides complexity like channel management and network selection while keeping training wheels removable. The Recoverbull backup system solves the classic problem of seed phrase anxiety for new users—they get cloud backup convenience with meaningful security, rather than photos of seed phrases in iCloud. The integrated broker on Android makes buying Bitcoin and immediately holding it in self-custody a single workflow rather than a multi-step process.
Power users who want a unified interface for both hot funds and cold storage will find the hardware wallet companion features valuable. You can manage your Coldcard watch-only wallet alongside your mobile spending balance, use PSBTs for cold signing, and have one app that handles your entire Bitcoin stack across all three networks.
Services & Features
Considerations
This is explicitly a hot-wallet-level security model—large balances should still use hardware devices with robust physical backups or multisig. The seamless Lightning and Liquid functionality depends on Boltz swap services and Recoverbull servers remaining online. Full broker integration is currently Android-only; iOS users get a more wallet-focused experience.
