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It's a crypto wallet with a javascript API, so web apps can do crypto things.

Is it useful to me if I don't have any crypto to put in it? Because I'm interested in the IPFS access etc, but I don't hold any crypto.

Yes in that you can access web3 sites “authenticated” by your wallet, but you couldn’t transact on them.

Thank you for helping me through this, I'll play with it tonight!