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Digital accounts support both self-custodial and custodial configurations. To create an account with a self-custodial configuration for a user, follow the steps below.
1

Create the account

Create the account, specifying the configuration for the wallets you’d like to include in the account (chain types and custody configuration). Make sure to include at least one self-custodial wallet in the account, i.e. with no custody provider set.
2

Set the user as the owner of the account's wallets

Next, update the self-custodial wallets in the account to set its owner as the end user.
3

Authorize actions from the account's wallets with the user's signature

Lastly, when taking actions with self-custodial wallets in the account, authorize the action with a signature from the authenticated user. Privy verifies this signature before executing the action.
With this configuration, any self-custodial wallets within the account require an authorization signature from the user to take actions.