Embedded Wallets

Deploy white-label wallets directly inside your app for any use case

Embedded Wallets are Crossmint smart contract wallets designed for applications that want to give users wallets without leaving the app. They share the same underlying architecture and signer model as all Crossmint wallets, but are configured for end-user ownership and everyday consumer interactions.

This page explains what makes a wallet an embedded wallet and its key capabilities. If you are ready to get started with implementation, head over to the Wallets Quickstarts.

What Makes a Wallet “Embedded”?

An Embedded Wallet is a Crossmint wallet owned by an end user and integrated directly into your application. You reference it by a user-identity wallet locator like an email, user ID, phone number, etc. A few key characteristics set it apart:

Dimension	User Wallet	Treasury Wallet (owner: "COMPANY")
Visibility	Appears under the Users tab in the Console	Appears under the Company tab in the Console
Intended operator	End user or agent	Your finance/ops team or backend systems
Typical signer	Device signer, passkey, or email OTP	Server signer or Cloud KMS
Custody model	Non-custodial or hybrid	Custodial — your organization holds all keys
Common extensions	Swaps, staking, cards	On/off-ramp, regulated transfers, internal transfers

Key Capabilities

Programmable Controls

Embedded Wallets use the same signer architecture as all Crossmint wallets. For embedded use cases, this lets you:

• Offer passkey or biometric sign-in using device signers or passkeys.
• Enable recovery through email, phone, or social recovery options.
• Rotate signers over time without changing wallet addresses or moving assets.
• Set policy rules such as spending limits or allowed destinations.

Multi-Chain Support

Embedded Wallets work across all supported chains — Solana, 20+ EVM chains (Ethereum, Base, Polygon, and others), and Stellar. You can build one integration and let users hold and transact assets on the chains they prefer.

Security and Compliance

• Smart contract wallets: Each embedded wallet is backed by its own smart contract, providing enhanced security and programmability compared to traditional MPC or TEE-based custody.
• SOC-2 compliance: Independently audited security controls and processes.
• Audit trails: Immutable logs of all wallet operations for compliance and debugging.
• Transaction monitoring: Real-time monitoring via dashboards, APIs, and webhooks.

Consumer-Grade Experience

• No seed phrases or gas fees: Crossmint abstracts blockchain complexity so users do not need to manage keys or network-specific fees.
• Gas sponsorship: You can sponsor gas for your users and bill costs in fiat.
• Built-in onramps: Users can fund wallets directly from cards, Apple Pay, or Google Pay.
• Account recovery: Users can recover access even if they lose their main signer.

Quickstarts

React

Node.js

REST API

React Native

Flutter

Swift

Kotlin

See Also

Create a Wallet

Step-by-step guide to create and fund an embedded wallet

Signers

The full signer type reference and recommended configurations

Custody Models

How signer choices map to custody architectures

Architecture

How Crossmint smart contract wallets work