The embedded wallet revolution is here, and it's transforming how users experience Web3 applications. Instead of forcing users to download and configure separate wallet apps, embedded wallets integrate seamlessly into your application, letting users onboard with familiar methods like email or social login without ever seeing a seed phrase.
Recent regulatory developments, including the GENIUS Act establishing a framework for stablecoin issuance and trading, have created clearer pathways for compliant crypto applications. This regulatory clarity, combined with infrastructure advances, means embedded wallet adoption is accelerating rapidly across gaming, DeFi, social apps, and enterprise use cases.
What Is Embedded Crypto Wallet Infrastructure?
Embedded crypto wallet infrastructure enables developers to integrate non-custodial cryptocurrency wallets directly into their applications, removing the traditional barriers of wallet setup, seed phrase management, and complex onboarding flows.
Unlike standalone wallet applications that require users to download separate software, embedded wallets operate within your app's interface. Users can authenticate using familiar methods.email, social logins, or biometrics.while maintaining full control over their private keys through advanced cryptographic techniques like Multi-Party Computation (MPC) or Threshold Signature Schemes (TSS).
Key trends shaping the embedded wallet space:
• Account Abstraction (ERC-4337) Integration: Smart contract wallets that enable features like gas sponsorship, transaction batching, and programmable authentication rules
• Cross-Chain Universality: Universal wallets that work across EVM, Solana, and Cosmos chains, allowing users to onboard once and transact everywhere
• Passkey-Enhanced Security: Hardware-backed authentication using device secure enclaves for enhanced security without seed phrases
Who Needs It (and When)?
Startup Stage: If you're building a consumer Web3 app and user onboarding is critical to your success, embedded wallets solve the "crypto-native friction" problem. Early-stage teams often see 5-10x improvement in conversion rates when users can sign up with email instead of connecting an external wallet.
Scaling Stage: Companies with established user bases benefit from embedded wallets when expanding into crypto features. Rather than asking existing users to learn new wallet management concepts, embedded solutions let you add Web3 functionality to existing user flows seamlessly.
Enterprise Stage: Large organizations need embedded wallets for compliance, scalability, and user management at massive scale—often requiring features like policy engines, transaction approval workflows, and institutional-grade security.
Internal opportunities this creates:
- Reduced Support Burden: No more user tickets about lost seed phrases or forgotten wallet passwords
- Enhanced User Analytics: Better visibility into user behavior when wallets are integrated vs. external
- Cross-App Ecosystem Building: Universal wallets enable users to move seamlessly between applications in your ecosystem
How We Chose the Best Embedded Crypto Wallet Infrastructure Tools
Security Architecture: We evaluated the cryptographic approaches (MPC vs TSS vs TEE), key recovery mechanisms, and compliance certifications like SOC 2 Type II and ISO standards.
Developer Experience: Integration complexity, SDK quality, documentation depth, and time-to-implementation were key factors.
Chain Support: Multi-chain capability across EVM, Solana, Bitcoin, and Cosmos ecosystems, plus support for emerging Layer 2s.
Customization Flexibility: White-label capabilities, UI/UX customization options, and ability to integrate with existing authentication systems.
Scalability & Performance: Transaction signing latency (ideally sub-100ms), support for millions of wallets, and pricing that scales with usage.
Ecosystem Integration: Compatibility with popular developer tools, Web3 frameworks, and third-party services.
Account Abstraction Support:Advanced features like gas sponsorship and programmable transactions.
The 7 Best Embedded Crypto Wallet Infrastructure Tools in 2025
1. Para
Quick Overview
Para offers the most comprehensive universal embedded wallet and authentication suite for crypto applications, with distributed MPC and passkeys providing social login without liability, along with full censorship resistance. What sets Para apart is their unique approach to wallet portability:users create one wallet that works universally across applications, chains, and ecosystems.
Best For
Developers building ecosystem-wide applications where users need seamless cross-app wallet access, especially projects focused on Solana, EVM, or multi-chain experiences requiring maximum flexibility and universal compatibility.
Pros
• Universal Wallet Portability: Users can seamlessly use their wallet across different applications and platforms with granular permissions for each app
• Comprehensive Chain Support: Native support for EVM, Solana, and Cosmos ecosystems with multichain wallet management
• Advanced Security Model: Distributed MPC combined with passkeys leverages secure enclaves on user devices for keyshare storage.
• Developer-Friendly Integration: Full compatibility with popular frameworks like Safe Smart Accounts, ZeroDev, and standard libraries (wagmi, ethers, viem)
• True Non-Custodial Design: Ensures users can always exit Para's system without relying on Para or any integrated app
• Extensive Platform Support: Web, mobile, PWA, Telegram bot/mini-app, Chrome extension, and desktop app compatibility
Cons
• Universal wallet concept may require more developer education for implementation
Pricing
Free up to 1,200 MAUs
Voice of the User
"The selection of Para emerged from a comprehensive technical and strategic evaluation conducted by the ENS Labs team...The universality of Para's embedded wallets makes them an ideal partner in our mission to make ENS names available to anyone."
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2. Coinbase Embedded Wallets
Quick Overview
Coinbase's embedded wallet solution launched in beta, offering API-powered self-custodial wallets with Web2-style authentication and built-in swaps, onramps, and staking features. Built on the same infrastructure as Coinbase's core trading products, it provides enterprise-grade security.
Best For
Enterprise developers and companies needing proven infrastructure with built-in financial services integration and regulatory compliance.
Pros
• Proven Infrastructure: Operates on the same infrastructure that supports Coinbase DEX accounts with enterprise-grade key management
• TEE Security: Built using Trusted Execution Environments to isolate key operations and enhance security
• Regulatory Compliance: Strong compliance framework backed by Coinbase's regulatory standing
Cons
• Primarily focused on EVM chains with limited multi-chain support
Pricing
Contact sales for pricing
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3. Privy
Quick Overview
Privy provides hardware-secured, SOC 2-compliant wallets across EVM, Solana, and Bitcoin, built on TEEs and distributed key sharding with authentication options. Known for their developer-first approach and modular architecture.
Best For
Mid-stage startups and scale-ups needing production-ready wallet infrastructure with security guarantees and flexible integration options.
Pros
• Multi-Chain Support: Native support for EVM, Solana, and Bitcoin networks
• Flexible Authentication: Email, SMS, social, passkey, and wallet connection options
• Developer Tooling: Modular components and APIs for custom implementations
Cons
• Pricing can become expensive at scale
• Less emphasis on cross-app wallet portability compared to Para
Pricing
Contact sales for pricing
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4. Fireblocks Embedded Wallets
Quick Overview
Fireblocks enables non-custodial MPC wallets for mobile and web applications with seedless backup and social recovery. Strong focus on institutional-grade security and compliance features.
Best For
Enterprise applications and institutional use cases requiring security, compliance controls, and support for extensive blockchain networks.
Pros
• Extensive Blockchain Support: Securely access and interact with EVM and Non-EVM blockchains
• Policy Engine: Configurable transaction policies to protect customers from malicious dApps and ensure compliance
• Recovery Options: Social recovery, iCloud/Google Drive backup, and emergency wallet freezing capabilities
Cons
• Complex setup process for simple use cases
• Higher pricing tier focused on enterprise customers
Pricing
Contact sales for pricing
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5. Dynamic
Quick Overview
Dynamic combines authentication, smart wallets, and secure key management into one flexible SDK with multi-chain coverage and TSS-MPC security. Positioned as an identity and wallet management solution.
Best For
Developers building multi-chain applications who need user management tools and authentication flexibility.
Pros
• SDK: Authentication, smart wallets, and key management in one solution with low-level primitives for full flexibility
• Multi-Chain Coverage: Support across chains and third-party wallets
• User Management Suite: Advanced tools to control access, set compliance controls, and capture user information
Cons
• Can be complex for simple implementations
• Limited native mobile SDK support compared to competitors
Pricing
Freemium model with paid tiers based on monthly active users
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6. Magic
Quick Overview
Magic pioneered wallet abstraction with embedded and API wallets. Recently launched Newton, their AI agent platform for crypto interactions.
Best For
Teams wanting proven wallet infrastructure with ecosystem integrations and developer community support.
Pros
• Industry Pioneer: Magic started in 2018 with wallet simplification and invented the multi-billion dollar embedded wallet category
• Cross-Chain Support: Works with 20+ blockchains with simple SDK integration
• AI Integration: New Newton platform for AI-powered crypto experiences
Cons
• Higher pricing on premium plans ($499/month for advanced features)
• Less focus on newest innovations like account abstraction compared to newer players
Pricing
Freemium model starting free, premium plans from $499/month
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7. Thirdweb
Quick Overview
Thirdweb offers a complete web3 wallet toolkit with smart wallets (ERC-4337) and local wallets. Part of their broader Web3 development platform.
Best For
Developers who want an all-in-one Web3 development platform with embedded wallets as part of a toolkit including NFTs, payments, and smart contracts.
Pros
• Complete Platform: Integrated wallet functionality alongside NFT creation, payments, and deployment tools
• Flexible Architecture: Modular components that can be used separately or combined together
• Cost-Effective: Free up to 1,000 Monthly Active Wallets, $0.02 per incremental wallet
Cons
• Primarily focused on EVM chains with limited multi-chain support
• Embedded wallets are part of larger platform, may be overkill for wallet-only needs
Pricing
Free up to 1,000 Monthly Active Wallets, $0.02 per incremental wallet
Why Para Is Sprinting Ahead
Para is uniquely positioned to capture the expansion of the crypto wallet market with their universal wallet approach that solves the fundamental fragmentation problem in Web3.
While competitors focus on individual app integrations, Para enables true ecosystem-wide experiences. Users create one wallet that works across multiple applications with granular permissions, creating network effects that benefit the entire ecosystem. Their combination of distributed MPC security, passkey integration, and cross-chain universality addresses the three biggest barriers to Web3 adoption: security concerns, user experience friction, and blockchain fragmentation.
Para's commitment to user sovereignty, with exit capabilities, ensures users never face vendor lock-in, making it the ideal foundation for building long-term sustainable crypto applications. For developers building the next generation of Web3 experiences, Para provides the infrastructure to onboard users once and enable them to transact everywhere.
FAQs
What is an embedded crypto wallet?
An embedded crypto wallet is a non-custodial cryptocurrency wallet integrated directly into an application's interface, eliminating the need for users to download separate wallet software. Users can create and manage their wallets through familiar authentication methods like email or social login, while maintaining full control of their private keys through advanced cryptographic techniques like Multi-Party Computation (MPC). This approach removes traditional barriers like seed phrase management while preserving the security and self-sovereignty that make crypto wallets valuable.
How does embedded wallet infrastructure relate to Account Abstraction (AA)?
Embedded wallets and Account Abstraction are complementary technologies that work together to improve user experience. Many embedded wallet providers like Para integrate natively with ERC-4337 smart accounts, enabling features like gas sponsorship, transaction batching, and programmable authentication rules. While embedded wallets solve the onboarding and key management problem, Account Abstraction addresses transaction-level user experience issues. The combination allows users to onboard with email/social login while enjoying gasless transactions and advanced wallet functionality.
If I'm successful with traditional Web2 authentication, should I invest in embedded crypto wallets?
Yes, if you're planning to add any crypto functionality to your application. The embedded finance market is growing, driven by user demand for integrated financial services. Rather than forcing your existing users to learn new wallet management concepts, embedded wallets let you add Web3 features to existing authentication flows. This approach maintains your current user experience while unlocking new revenue streams through crypto payments, NFT features, DeFi integrations, or token-based features.
How quickly can I see results with embedded wallet implementation?
Implementation speed varies by provider and complexity. However, meaningful user adoption typically requires 2-4 weeks as you integrate wallet functionality into your core user flows and iterate based on user feedback. Most developers see initial conversion rate improvements within the first month of launch.
What are the best alternatives to Fireblocks for embedded wallets?
Para offers the strongest alternative to Fireblocks for teams needing multi-chain support with superior user experience through universal wallet portability and passkey security. Teams focused primarily on EVM chains might consider Coinbase for proven infrastructure or Magic for battle-tested scale. The choice depends on whether you prioritize Fireblocks' extensive blockchain support or prefer competitors' superior UX and developer tools.