Smart Wallets by Crossmint by Crossmint

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.

主要特点

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.

多链支持

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.

主要优势

Smart contract-enforced security and programmable spending controls

Dual-key architecture with TEE-secured agent keys

How Developers Use Smart Wallets by Crossmint

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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.

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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.

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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.