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RINO is a new type of Monero wallet. We are a non-custodial, enterprise-grade, multisig wallet. Non-custodial means we don’t have any way to spend your money. The keys that can actually spend your money stay in your control - always. Enterprise-grade means we offer rock solid support and that we will soon roll out professional features to support businesses, such as multi-user wallets with fine grained permissions and spending approvals, daily spending limits etc. Multisig (multi-signature) is the cryptographic magic that makes it all possible (details below).

With RINO you get all the convenience of an online wallet AND the safety of a non-custodial wallet.

Other online wallets offer convenient features such as 2fa, notifications, etc., by taking custody of your money. Which means you have to trust the wallet provider not to steal your money or to disappear (or both!).

RINO is a non-custodial wallet, so it's simply not possible for us to spend your money. But at the same time, RINO allows you super convenient access from any device AND puts you in control of how and when your precious moneroj can be spent. How does RINO manage to give you the best of both worlds? With the magic of multisig cryptography.

With other wallets, if someone steals your password, all your funds are gone. With RINO and 2FA, your funds are safe even if your password is compromised. Lots more cool features coming soon. Shared multi-user wallets with fine-grained permissions and approvals, spending limits, notifications of incoming transactions.

  1. Register an account, confirm your email address, and log in.
  2. Create a wallet. Store your Wallet Recovery Document safely!
  3. Receive some moneroj to your RINO wallet - just like a normal wallet!
  4. Set up spending controls - right now that's 2FA. More coming soon (daily limits, sharing etc.)
  • For daily RINO use: your password; your 2FA device.
  • Store safely: Account Recovery Document; Wallet Recovery Document.

Creating a RINO wallet is easy.

1. Register

Start by registering an account, confirming your email address, and logging in. The standard stuff, no different from any other service.

When you log in for the first time, the system will create an Account Recovery Document for you. You must not lose it! You will need the Account Recovery Document to recover your account if you ever forget your password.

2. Create a Wallet

After you have safely stored your Account Recovery Document, you can create your first wallet: click the big button that says CREATE WALLET. Generating a new wallet takes a little while, possibly up to about a minute. Once the wallet is generated, the system will create another document - the Wallet Recovery Document. This document is very important; it allows access to your funds without any need to use the RINO website.

3. Send and Receive Funds

Using the wallet is similar to using any other crypto wallet. One RINO plus point - your wallet balance is updated in near real-time: with RINO, you don't have any annoying delays waiting for the wallet to sync.

4. Set up 2FA

To get the full protection of RINO, we recommend enabling 2FA in your account settings page. This way, no-one can spend your moneroj even if they somehow manage to steal your password.

This is what the Account Recovery Document is for. When you create your RINO account, we ask you to download and store your Account Recovery Document. To reset your password, follow the detailed instructions on the document. We’re sorry but this is the only way you can reset your password if you don’t remember it (if you know your password and just want to change it, then you don’t need the Account Recovery Document - you can just edit your account settings).

This is what the Wallet Recovery Document is for. You have one of these documents for each of your RINO wallets. Each time you create a wallet in RINO, we ask you to download and store safely a dedicated Wallet Recovery Document for that specific wallet. To recover funds in a particular wallet, locate your Wallet Recovery Document specific to that wallet. Follow the detailed instructions in the document.

At RINO we encrypt everything we can to protect your data from the world, and even from us! We use your password to encrypt your essential data on RINO. And we don’t know your password (it lives in your browser). That’s great for security, but it means that if you lose your password we can’t simply send you a password reset link, as your new password would not be able to decrypt your data. If you know your password then you can change it to a new, different password. However, if you have lost your password, the only way to recover your account access and set up a new password is using the Account Recovery Document that we generate for you when you first create your account. Moral of the story - store your Account Recovery Document in a safe place, anyone that has access to it can reset your password.

No. It’s mathematically impossible. See below for a full description of how multisig works. The main thing to understand is that each wallet has three keys. Two out of the three keys are required to send money, and RINO only has access to one of three keys. You, the user, are always in full control of the other two keys. So you can spend money without needing RINO to sign anything with its key (you always have the option to access your funds directly using the Wallet Recovery Document). But RINO can’t spend money without you checking and signing as part of the normal RINO-usage flow.

Yes you can. Deleted wallets can’t be restored in RINO, so just be sure before you delete - all your transaction meta data will be deleted irreversibly.

Note that even though you will no longer be able to access a deleted wallet on the RINO website, you can still recover funds from a deleted wallet using your Wallet Recovery Document.

Yes. We have to be able see your transactions to deliver some of our key features - no wallet sync wait times - accessing your wallet and its history across multiple devices, etc. But note that because of the great properties of Monero itself we don’t know anything about where your money is coming from. And if you ask everyone you send money to to always use new subaddresses (as they should be doing anyway), then we have no way of ever knowing who you are sending money to either.

All RINO code that is executed in the web browser is open source. Anyone can inspect it and check that it does exactly what it’s supposed to. Additionally, we went to great lengths to ensure that all relevant code is built in a deterministic way: you can simply build the code yourself to verify that what we’re serving you on our website is exactly what’s been published. By just checking a few hashes you can verify that the frontend code served on https://rino.io is indeed the exact same as the code available on our open-source repository.

At the moment RINO is free. However, while we do want to support the community as much as possible, now and in the future - check out our community contributions which will always be free - we do plan on running RINO in the future as a for-profit business.

Honestly, right now we don’t know exactly what our charging model is going to look like. We are going to roll out lots of cool features, and we might charge for some or all of them. We hope to keep a free tier in some form or other, but it will depend a lot on how the business develops. For example, if we have a lot of business customers, maybe we can keep it free for the community - we’ll have to see.

The good news is that you always have a choice - any time you don’t like any of our decisions you can just use your recovery keys and take your money elsewhere, without even having to use the RINO website. So it’s our job to keep you happy, and make sure that we offer the right combination of features at the right price to keep you all sticking around.

Recovery Key

With a trusted party of your choice.

Client Key

Only ever decrypted on-premise.


We have this one.

A RINO “2-of-3” multisig wallet has three keys. Any two of the three keys are required to spend the money in the wallet. Here comes the special sauce: RINO retains only one of the keys, and therefore has no way to spend your money. You keep two of the three keys - the User Key and the Recovery Key. You stash your two keys safely offline (they are on the Wallet Recovery Document). For day to day usage, we keep an encrypted version of your user key. Your User Key stays with us - but…. in encrypted form - we have no way of decrypting it. When you use our service, we send you the encrypted User Key, and it gets decrypted locally in your browser.

When you want to spend your funds, you have two options.

Option A - Using the RINO service. Log in to RINO, navigate to your wallet and spend away. When you use normal RINO workflow in this way, under the hood it’s the RINO key and the User key that are being used together to spend your funds

Option B - Bypass the RINO service and use your Wallet Recover Document to spend your funds. This option does not require any interaction with RINO at all. When you use this option you are using your User Key and your Recovery Key to spend the funds.

It’s not great. Right now we offer convenient in-browser wallet creation which means your funds are at risk if your computer is compromised.

Airgapped wallet creation is a feature in the pipeline that would protect you against this problem - drop us a line at support@rino.io to let us know if this is a priority for you.

The benefit of RINO is that even if your computer is compromised, attackers cannot spend funds without access to your 2FA device. In future RINO will give even more fine grained controls to make you even safer - daily limits, wallet sharing with multiple people having to approve transactions, etc.

Get in touch with us at support@rino.io. Features in the pipeline are targeted at enterprise such as shared wallets, different user privileges, daily spending limits. However, we’re always happy to hear about your needs.

Yes, we do. Get started by checking out the overview and reading our introductory blog post for some basic examples of how you can use it. Enjoy!

Absolutely. Get in touch with us at enterprise@rino.io. We are building more features dedicated to enterprise wallet hosting. Let’s talk about pricing / how we can help. Features in the pipeline are shared wallets, different user privileges, daily spending limits.

Your username is a unique non-changeably identifier for your account. Having the username fixed means that you can change your email address if you want. And the username will also be useful for some of the cool new features we have in the pipeline like wallet sharing.

You can’t ever change your username, as it is used for some low level cryptographic operations associated with your account (for the technically minded - we use it as a salt in the key derivation function).

Wallet sharing allows you to share access to a wallet with other users.

In simple words, by removing an admin user, your wallet can be considered as less secure, because the user key “is now” in the wild. The removed admin cannot access the funds, but if he hacks RINO (unlikely) or breaks into the safe place where you stored the backup keys, then he can access funds.

If the above scenario is too risky, one recommendation would be to create a new wallet, move the funds and add the existing users again, when trying to remove an admin.