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Best Cryptocurrency Wallets of 2024 (in 2 minutes)Security Risks: While desktop wallets can offer enhanced security, they are not immune to risks and remain less secure than hardware wallets. Desktop wallet safety. The private keys encrypted on your computer's hard drive are only as secure as your PC. If you're going to self-custody. A desktop wallet is a computer program or software cryptocurrency holders use to store and manage private and public keys.