Custodial and self-custody wallets with secure accounts, balances and transfers, and the right controls for your users and your regulator.
The first big decision for any wallet: who holds the keys. It shapes everything else.
Custodial
Self-custody
Who holds the keys
Custodial: Your platform, in secure storage
Self-custody: The user, on their own device
Lost password
Custodial: Normal account recovery
Self-custody: Only the user's backup phrase can recover it
Compliance
Custodial: Identity checks and licensing usually required
Self-custody: Lighter, depending on your market
Controls
Custodial: Limits, approvals and freezes possible
Self-custody: The user is in full control
Best for
Custodial: Mainstream users, payments, savings
Self-custody: Crypto-native users and DeFi
Many products offer both: a simple custodial wallet, with the option to withdraw to self-custody.
Platform-managed balances with the operational and security controls custody requires.
User-held keys with clean, well-tested signing and recovery flows.
Balances across currencies or asset types tracked accurately in one account view.
Sending, receiving, and withdrawing funds with the right checks at each step.
Limits, approvals, and holds that match your product's risk and compliance needs.
Account recovery paths that are secure without locking legitimate users out.
Withdrawals are where most fraud happens, so each one passes the checks your risk policy sets.
Withdrawal requested
Amount and destination
Limits checked
Daily caps and unusual activity
Second factor
Code or app confirmation
Destination checked
Saved addresses, waiting period for new ones
Approved and sent
Large amounts need a second approver
Yes. One account can show balances in several currencies and assets, each tracked accurately in its own ledger.
Custodial wallets use normal account recovery with identity checks. Self-custody wallets depend on the user's backup phrase, which we make clear and simple to save.
Yes: daily and per-transaction limits, approvals for large amounts and holds on unusual activity, all set by your policy.
Tell us whether you need custodial, non-custodial, or both. We'll help you design the right account model.
