> For the complete documentation index, see [llms.txt](https://ribbit-wallet.gitbook.io/ribbit-wallet-whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://ribbit-wallet.gitbook.io/ribbit-wallet-whitepaper/meet-ribbit-wallet/the-problem.md).

# The Problem

Most crypto wallets today are made for holding or trading tokens. They are not built for actual usage. They often support only a few chains. Many of them require technical knowledge to set up or use. On top of that, there is no easy way to spend your crypto without first converting it through several steps.