Smart Wallets Overview

Secure non-custodial programmable wallets

Crossmint offers two types of wallet solutions: Custodial Wallets and Smart Wallets. To understand which option best suits your needs, visit the Wallets Introduction page.

Crossmint’s Smart Wallets are programmable, smart-contract based wallets, that provide enhanced flexibility, control, and security. Key features include:

1. Non-custodial ownership: By default, you can let your users maintain complete control of their wallet and assets. Optionally, you can create keys to allow your users to delegate full or partial ownership of their account to you.
2. Ability to sponsor gas fees: You can cover gas fees on behalf of your users, or have users pay them directly.
3. Advanced control using installable modules: Extend the functionality of the wallet with features like asset recovery fallbacks, transaction guardrails for AI agents, transaction limits per day, and more.

Learn more about programmable custody

Smart Wallets enable granular custody control at the asset level by assigning permissions to different signers (authorized entities like users, apps, or administrators).

For instance, you can maintain custody of NFTs to provide optimal UX and asset recovery, while keeping fungible tokens non-custodial. With user consent, you can seamlessly transition between custodial and non-custodial configurations.

How do Smart Wallets differ from standard wallets (EOAs)?

Traditional wallets (EOAs) consist of cryptographic key pairs: a public key (wallet address) and a private key that controls it. These wallets function as basic vaults with no internal logic beyond simple value transfers.

Smart Wallets represent the next evolution, built on the ERC-4337 standard. As programmable smart contracts, they offer embedded functionality while maintaining unique blockchain addresses controlled by user-held private keys. This enables advanced features like recurring payments and streamlined transaction approvals without constant pop-ups.

When to Choose Smart Wallets vs Custodial Wallets

• Your users need to manage fungible tokens

• You want to provide a truly non-custodial solution with optimal user experience while maintaining compliance and security

• You require advanced capabilities such as asset recovery, KYC integration, or extensive customization options

Get Started

Quickstart (browser)

Log in a user with a wallet attached, in under 5 min. Best for user wallets.

Quickstart (server)

Create a wallet in your server in under 5 min. Best for agent or backend wallets.

Wallet Actions

Display the content, sign transactions and messages, and more.

Bring your own Auth

Use different authentication providers for your wallets.

Connecting the Wallet

Connect wallets to other apps.

Spam Filters

Filter out spam from your wallets.