Smart Wallets

Smart Wallet Development for Fintech Apps

We build ERC-4337 smart wallet infrastructure for fintech and web3 apps — embedded onboarding with no seed phrase, gas sponsorship, session keys, spending controls, and recovery flows. The result is a wallet experience that feels like a consumer app, not a crypto tool.

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Who This Is For

Web3 consumer apps

Fintech apps with crypto features

Gaming and consumer crypto platforms

DeFi dashboards and aggregators

Stablecoin payment apps

NFT and digital collectible platforms

Subscription payment products

What We Build

Embedded Onboarding

Users create a smart wallet using email, social login, or passkey — no seed phrase, no extension. The wallet is provisioned in seconds as part of your standard product sign-up flow.

Account Abstraction (ERC-4337)

Deploy ERC-4337-compatible smart wallets that support programmable transaction logic, batching, and modular extensions. Works across Ethereum, Base, Polygon, Arbitrum, and other EVM chains.

Gas Sponsorship (Paymaster)

Sponsor gas fees for your users so they never need to hold ETH or native tokens to transact. Configure sponsorship rules: sponsor all transactions, sponsor specific contract calls, or set per-user allowances.

Session Keys

Grant a session key to an application or sub-process with scoped permissions (specific contracts, value limits, time windows). Useful for gaming, DeFi automation, and subscription-style interactions.

Spending Limits & Controls

Programmable daily, weekly, or per-transaction spending limits enforced at the wallet contract level. Combine with off-chain rule engines for flexible risk management.

Recovery Flows

Social recovery, guardian-based recovery, and multi-sig recovery options. Users can regain access without a seed phrase using a configurable recovery method.

Multi-Chain Support

Deploy smart wallets across multiple EVM chains with the same address and unified state management. Cross-chain interactions supported via bridge and messaging protocols.

Transaction Batching

Bundle multiple operations into a single transaction — approve + swap, multi-transfer, or complex DeFi sequences. Reduces user friction and gas costs for multi-step flows.

Wallet Analytics & Admin Tools

Dashboard tools for monitoring wallet activity, gas sponsorship spend, session key usage, and user engagement metrics.

Core Platform Features

Embedded onboarding (email, social, passkey)

Account abstraction (ERC-4337)

Gas sponsorship via Paymaster

Session keys

Spending limits

Recovery flows

Multi-chain support

Stablecoin payments

Transaction batching

Admin tools

Wallet analytics

Technical Architecture

Smart Contract Layer

ERC-4337 smart wallet factory
Paymaster contract
Session key module
Spending limit module
Recovery module
Plugin/module registry

Backend

Bundler integration (Alchemy, Biconomy, or custom)
Paymaster service (sponsorship policy management)
UserOperation construction API
Session key issuance and revocation
Wallet analytics service

Frontend

Embedded wallet SDK integration
Passkey and social login onboarding
Gas-free transaction UX
Session key management UI
Recovery flow screens

Integrations

Embedded wallet providers (Privy, Dynamic, Turnkey)
Bundler providers (Alchemy, Pimlico, Biconomy)
Cross-chain messaging (if required)
Multi-chain RPC providers
Analytics and monitoring

Compliance & Regulatory Note

Financial products involving payments, cards, accounts, stablecoins, or tokenized assets may require legal, regulatory, banking, issuing, custody, or compliance partners depending on the jurisdiction and product structure. We do not provide legal or regulatory advice. Our role is to design and build the software layer, integrate third-party providers, and implement the technical controls for onboarding, transaction monitoring, reporting, and risk management. You should work with qualified legal counsel and compliance partners to define and meet your regulatory obligations.

Build Scope

MVP Scope

A focused first build that delivers core value.

1
Embedded wallet creation (email or social login)
2
Gas sponsorship for core transactions
3
Single chain support
4
Basic transaction sending and history
5
Simple admin wallet view

Advanced Features

Capabilities to add once the core is live.

Multi-chain wallet deployment
Session key module
Programmable spending limits
Social recovery flow
Transaction batching for complex flows
Cross-chain interactions
Wallet analytics dashboard
Plugin/module architecture for custom features

Why Work With Us

Web3 + Fintech Execution

Deep blockchain expertise combined with practical fintech and payment product knowledge.

Full-Stack Implementation

Frontend, backend, smart contracts, wallet integrations, and admin dashboards in one engagement.

On-chain + Off-chain Design

Systems that bridge blockchain and traditional infrastructure — crypto and fiat where needed.

Compliance Integrations

KYC/KYB, AML, and risk controls implemented to requirements agreed with your compliance team.

MVP Development

A scoped first release to test with users before expanding the platform.

Ongoing Support

Post-launch maintenance, scaling, feature development, and third-party integration updates.

Frequently Asked Questions

What is account abstraction?

Account abstraction (ERC-4337) replaces standard externally-owned accounts (EOAs) with smart contract wallets. This enables programmable transaction logic, gas sponsorship, session keys, multi-sig, social recovery, and transaction batching — features that make wallets significantly easier and safer to use.

How does gas sponsorship work?

A Paymaster contract agrees to pay the gas fee for a transaction instead of the user. Your application deposits ETH into the Paymaster and configures rules for when it will sponsor (e.g., specific contract calls, users below a threshold). Users transact without needing native tokens.

Can smart wallets be used with email or social login?

Yes. Embedded wallet providers (such as Privy, Dynamic, or Turnkey) manage the underlying private key or MPC key so users authenticate with familiar methods. The smart wallet is deployed with that key as the signer.

Are smart wallets available on chains other than Ethereum?

ERC-4337 is deployed on Ethereum mainnet, Base, Polygon, Arbitrum, Optimism, and most other EVM-compatible chains. We configure multi-chain smart wallets with consistent addresses and unified interfaces.

What is a session key and when would I use one?

A session key is a delegated key with limited permissions — it can only interact with specific contracts, spend up to a set amount, and expires after a time window. Use cases include: gaming (approve moves without signing each one), automated DeFi strategies, subscription payments, and API-driven transaction execution.

How does recovery work for a smart wallet?

Smart wallets support configurable recovery methods: social recovery (pre-designated guardians), multi-sig (multiple signers required), or hardware key backup. Unlike EOAs, the user does not permanently lose access if one key is compromised — they can rotate the signer key through a recovery process.

Building a Smart Wallet Product?

We build ERC-4337 smart wallet infrastructure with the UX of a consumer app. Let us scope the wallet architecture for your product.

Book a Discovery Call Get a Technical Scope

Stablecoin Wallet Development →Embedded Finance Platform →KYC, KYB & AML Integration →