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Digital asset accounts, or accounts, are a primitive for securely managing digital assets across multiple chains and custody configurations. Accounts are designed for teams building fintech, trading, and consumer applications that need to manage user balances and move assets across chains and custody models. Accounts represent a single unit of balance across these different wallets and configurations. You might create one account for each end user of your application, each customer of your service, or your own internal treasury. Built on top of wallets, accounts are built with the following design principles.
  1. Flexible custody: accounts contain both custodial and non-custodial wallets, enabling you to satisfy the operational and regulatory requirements of your product while also accessing DeFi, stablecoin orchestration, and more
  2. Multi-chain first: hold and transact with balances across Base, Solana, Tempo, Arbitrum, Ethereum, and any of Privy’s tier 3 chain types
  3. Simple abstractions for onchain actions: leverage simple interfaces for transferring stablecoins, trading tokens, earning yield, bridging, and more.
Accounts are currently a gated feature. Please reach out to [email protected] to request access.

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Features

Accounts offer the same powerful capabilities as any Privy wallet; you can use the wallets within an account directly, enabling you to access the full functionality of the Privy API. Accounts enhance this functionality with simpler abstractions for:
  • Seamless management of balances across chains, wallets, and custody configurations
  • Programmable policies and cryptographically-enforced authorization with multi-party approvals
  • Fiat / stablecoin orchestration through licensed providers
  • Earning yield with DeFi protocols like Morpho, Aave, and Kamino
  • Buy / sell / hold ETH, BTC, SOL and other assets
  • Webhooks for balances and transactions to reconcile onchain events with your payment ledger

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Use cases

Accounts can power common financial workflows including:
  • Stablecoin pay-in / pay-out: enable companies to automate settlements and payouts in real-time, reducing friction and cost.
  • Global asset management: enable entities around the world to hold balances in USD- or EUR-pegged stablecoins, compliant with local regulations and appetite towards custody
  • Earn DeFi yield: allow users and businesses to earn interest on their balances from lending protocols like Morpho, Kamino, or Aave
  • Card issuance: issue physical and digital debit cards that spend from your account’s balance with programmable authorization controls
  • Buy / sell / hold: trade ETH, BTC, SOL, wrapped stocks, and more across various marketplaces