Smart Wallets by Crossmint
Smart contract wallets for fintechs, enterprises, AI agents. Built on smart contracts (ERC-4337 on EVM, Squads protocol on Solana), with dual-key architecture for agent autonomy, gasless transactions, cross-chain support across EVM, Solana, and Stellar.
Overview
Crossmint Smart Wallets are programmable smart contract wallets built for fintechs, enterprises, and AI agent platforms. On EVM chains, they are implemented using ERC-4337 (account abstraction). On Solana, they use the Squads protocol. Stellar is also supported. This smart contract architecture enables programmable security rules, gasless transactions (gas fees abstracted and billed in fiat), and modular signer management, all enforced at the contract level rather than relying on external key management alone.
A key differentiator is Crossmint's dual-key architecture, purpose-built for AI agent use cases: one key is held by the owner (user or company), and a second key is issued to the agent and sealed inside a Trusted Execution Environment (TEE). This allows agents to autonomously execute transactions within programmable spending controls, while the owner retains ultimate oversight and recovery capabilities. The architecture supports both stablecoin and card network payment rails, so agents can optimize payment selection based on speed, cost, and merchant acceptance.
Crossmint Smart Wallets integrate directly with the rest of the Crossmint platform, including stablecoin orchestration, on/offramps, and tokenization, providing a single infrastructure stack for wallets and payments across 50+ chains.
The Problem
AI agents and enterprise applications need wallets that can autonomously transact across chains while maintaining human oversight. Traditional wallets lack programmable spending controls, agent-specific key isolation, and the ability to operate across stablecoin and card payment rails simultaneously.
The Solution
Key Features
Wallets deployed as smart contracts
ERC-4337 on EVM, Squads protocol on Solana. Programmable security rules, spending limits, and transaction policies enforced on-chain.
Dual-Key Agent Architecture
Owner key + agent key sealed in a TEE. Agents transact autonomously within programmable controls while owners retain oversight and recovery.
Gasless Transactions
Gas fees fully abstracted and billed in fiat through Crossmint. End users and agents never need native tokens for gas.
Multi-Chain Support
Smart wallets work across EVM, Solana, and Stellar with a unified API. One integration, consistent wallet behavior across chains.
Dual-Rail Payments
Agents can transact via stablecoin rails (sub-cent fees, near-instant settlement) or card networks (Visa/Mastercard) through agentic payment protocols.
Key Strengths
How Developers Use Smart Wallets by Crossmint
AI Agent Wallets
AI agent platforms use Crossmint's dual-key smart wallets to give agents autonomous payment capabilities. The agent key lives in a TEE with programmable spending limits and transaction policies, while the owner retains full oversight. Agents can pay via stablecoins or card networks.
Fintech Wallet Infrastructure
Fintechs deploy smart contract wallets for their users with gasless transactions, programmable controls, and integrated stablecoin orchestration. Security rules enforced on-chain, not just at the application layer.
Enterprise Treasury & Operations
Enterprises use programmable smart wallets for treasury management, automated payment workflows, and multi-party approval flows with on-chain enforcement and audit trails across EVM, Solana, and Stellar.
Works Well With
EVM Chains
Solana
Stellar
Ship faster than your competition
Free RPC across 77+ chains. Spin up an endpoint in under 30 seconds.
Compare
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Pricing
Open Source | |
|---|---|
| Price (Monthly) | Free |
| Price (Annual) | Free |
| Messaging | N/A |
| Support | Community support via GitHub |
| Analytics |
Start Building Now
Reliable RPC, powerful APIs, and zero hassle.
Resources
The Smart Wallet repository provides comprehensive code, tests, and deployment instructions for an ERC-4337 compliant multi-owner smart contract wallet. It includes links to related standards and dependencies such as WebAuthn and Safe Singleton Factory.
Smart Wallets by Crossmint Documentation
Community
Wallet Architecture Overview
This guide provides an overview of Crossmint’s dual-layer architecture, utilizing smart contracts and decentralized signers to offer high-speed, self-custodial wallets with zero vendor lock-in.
Crossmint Github
The Crossmint GitHub repository is a comprehensive resource for developers, providing the SDKs, starter templates, and open-source tools needed to integrate stablecoin and wallet infrastructure.