Smart Wallets (Embedded Wallets + Account Abstraction Infrastructure)

Enterprise-grade wallet infrastructure enabling developers to securely embed crypto wallets into applications with complete ERC-4337 account abstraction, gasless transactions, and seamless user experiences. Alchemy's Smart Wallets provide both custodial and non-custodial models with social login, eliminating the complexity of blockchain for end users.

Wallet Product Offerings

Embedded Wallets: User-controlled non-custodial wallets with social login, email authentication, and passkey support for web2-like onboarding experiences

Server Wallets: Developer-controlled custodial wallets for backend operations, automated transactions, and programmatic asset management

Account Kit: Complete toolkit for implementing ERC-4337 account abstraction with smart contract wallets, batch transactions, and custom authentication

Account Abstraction Infrastructure (ERC-4337)

Bundler API: Production-grade infrastructure for UserOperation submission and execution with optimized gas estimation, MEV protection, and real-time status tracking

UserOperation Bundling: Aggregates and submits UserOperations to blockchain efficiently with support for all ERC-4337 compatible smart contract wallet implementations

Custom Validation: Support for any authentication method including passkeys, social login, biometrics, and multi-sig with session keys for improved UX

Batch Transactions: Combine multiple operations into single atomic transactions for complex DeFi operations and multi-step approvals

Account Recovery: Social recovery and guardian-based account restoration without seed phrases

Gasless Transaction Infrastructure

Gas Sponsorship: Applications automatically pay transaction fees on behalf of users, eliminating need for users to hold native tokens

Gas Manager API: Enterprise gas management with flexible sponsorship policies, spending controls, and real-time analytics

Spending Controls: Set daily, monthly, or per-transaction spending limits with user allowlists and smart contract allowlists

Policy Management: Custom sponsorship rules based on transaction type, value, contract, time-based policies, per-user caps, and multi-tier programs

Cost Optimization: Gas price optimization, transaction batching, EIP-1559 support with dynamic fee adjustment, and detailed spending reports

Cross-Chain Support: Unified gas management across 80+ blockchain networks from single dashboard

Security & Compliance

Enterprise-Grade Security: Hardware Security Module (HSM) and Multi-Party Computation (MPC) support for institutional-grade security

Multi-Factor Authentication: Social, email, biometric authentication with complete white-label customization

SOC 2 Type II Certified: Complete audit trail of all transactions with customizable approval workflows

Paymaster Integration: Support for ERC-20 gas payments and sophisticated transaction policies

Use Cases

Powers wallet experiences for fintech applications, consumer apps, gaming platforms, NFT marketplaces, DeFi protocols, and enterprise tokenization projects. Enables JPMorgan's USD Deposit Token deployment with compliant, gasless onchain deposits. Supports gasless onboarding, sponsored NFT minting campaigns, free-to-play gaming mechanics, and promotional campaigns requiring zero user friction.

Performance & Integration

Sub-second transaction confirmation with 99.99% success rate. Handles millions of gasless transactions monthly with automatic scaling. Simple SDK integration (React, JavaScript, TypeScript, Unity), comprehensive documentation, sandbox environments for testing, production-ready templates, and full API reference with code examples. Multi-chain support across Ethereum, Polygon, Arbitrum, Optimism, Base, and more.

Developer Experience

Complete integration with major payment providers for fiat on/off ramps, ERC-4337 standard compliant API, wallet creation helpers, implementation guides, testing environment with paymaster simulation, and policy configuration dashboard for monitoring gas spending and usage patterns.