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Ledger Wallet vs Specter Desktop: catalog facts
Ledger Wallet	Specter Desktop
Free The app is free to download; it is built around Ledger hardware, which is sold separately.	Free Free and open source.
Windows, macOS, Linux, Android, iOS	Windows, macOS, Linux
Transactions are verified and approved on a hardware signer Tracks balances and history across addresses	Multisig wallets with hardware signing devices Connects to your own Bitcoin node
Designed around Ledger hardware devices Trading and staking features rely on third-party providers	Bitcoin only Assumes familiarity with hardware wallets and running a node
Downloadable app	Downloadable app
Closed source	Open source
License not stated	License: MIT
Not stated if an account is needed	No account needed
Needs internet	Not stated if it works offline
Official website Full listing and sources Checked September 24, 2026	Official website Full listing and sources Checked September 23, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.