Wallet-as-a-Service API & SDK Platform

io.finnet's Wallet-as-a-Service offering provides developers and businesses with comprehensive APIs and SDKs to embed institutional-grade wallet functionality into their applications. The platform combines hierarchical deterministic wallet generation with MPC security, enabling seamless integration of digital asset capabilities.

Developer Infrastructure

Hierarchical Deterministic (HD) Wallet Generation: Generate unlimited unique cryptocurrency addresses from one master seed, enabling complete privacy through address isolation, full recoverability from seed phrase, organized address management for multiple users/purposes, and institutional-grade key management.

Multi-Chain Address Generation: Support for 60+ blockchain networks including Ethereum and EVM-compatible chains, Bitcoin and Bitcoin-based networks, Solana, XRP Ledger, and dozens more.

Comprehensive API and SDKs:

• REST API for programmatic wallet operations
• Web3 provider integration (@iofinnet/io-web3-provider)
• Simple JavaScript/TypeScript SDKs
• Complete API documentation at docs.iofinnet.com
• Webhook support for transaction notifications
• Server-side signing capabilities
• Virtual signer for automated workflows

Security Architecture

Enterprise-grade security features leveraging MPC technology:

• MPC-based key management without single points of failure
• Hardware security module (HSM) compatibility
• Encrypted key storage
• Audit trails for all operations
• SOC 2 Type II certified infrastructure
• Security audits by Kudelski Security and Halborn

Use Cases and Applications

Cryptocurrency Exchanges: Generate unique deposit addresses for each user or transaction while maintaining recoverability from master seed.

Payment Processors: Create isolated addresses per transaction for enhanced privacy and accounting.

NFT Marketplaces: Manage user wallets seamlessly without users managing private keys directly.

DeFi Platforms: Handle user funds with institutional security while enabling programmatic interactions with smart contracts.

Enterprise Treasury Management: Integrate wallet functionality into corporate systems with complete control over key management.

Scalability and Performance

Designed for high-volume applications with unlimited address generation capacity, institutional-grade infrastructure, and 24/7 availability. Rapid deployment without building wallet infrastructure from scratch.

Integration Approach

Developers integrate via REST API or JavaScript SDKs, enabling complete control over key management while leveraging io.finnet's MPC security layer. The platform provides the wallet backend infrastructure so development teams can focus on user experience and business logic.