Wallet Products
- Wallet Infrastructure as a Service
- Smart Accounts Infrastructure
This section compares the available wallet products across architecture, transaction models, operational behavior, gas management, infrastructure flexibility, pricing models, and supported workflows to help you determine the best fit for your application or business operations.
📘 Built-in Gas Infrastructure
Wallet products across OpenXSwitch include built-in gas management and transaction sponsorship across supported blockchain networks, abstracting native gas mechanics and simplifying transaction execution.
Product Comparison
| Wallet-as-a-Service | Smart Accounts |
|---|
| Overview | Custodial wallet infrastructure optimized for exchanges, fintechs, payment systems, and operational treasury management. | Programmable smart wallet infrastructure optimized for seamless stablecoin experiences, gasless transactions, and advanced wallet orchestration. |
| Architecture | Prime Wallet and Sub-Wallet architecture (1:N model). One Prime Wallet manages liquidity and treasury operations across many Sub-Wallets. Sub-Wallets limits depend on the current workspace plan. | Accounts and Walletsarchitecture (1:N model). One Account acts as a container for multiple programmable wallets with isolated controls and configurations. |
| Pricing Model | Monthly subscription pricing starting from $50/month depending on infrastructure limits and usage. | Flexible transaction-based pricing with a one-time setup package tailored to your business requirements. Pay as little as $0.01 per on-chain execution, with no monthly platform commitments. |
| Fund Isolation | Prime Wallet and Sub-Wallet balances are logically isolated with configurable withdrawal and access control policies. | Funds are isolated at both Account and Wallet levels with programmable access controls and policy-based transaction authorization. |
| Asset Management | Unified off-chain token balances across supported chains with flexible withdrawals from any supported blockchain network. | Assets remain fully on-chain with programmable execution, routing, and wallet-level asset management. |
| Internal Transfers | Free internal transfers between Prime Wallet and Sub-Wallets, and between Sub-Wallets. | Internal transfers between wallets are executed on-chain. |
| Auto Collection | Auto-collection is powered through internal transfers, making collections instant and free. | Auto-collection operates fully on-chain with programmable routing and execution. |
| Swap Infrastructure | Instant off-chain swaps up to $300,000 per request. | Swaps and bridges are executed on-chain through programmable transaction flows. |
| Withdrawals | Flexible withdrawals supported across available blockchain networks. | Chain-agnostic withdrawals with programmable transaction execution and routing. |
| Transaction Model | Primarily on/off-chain infrastructure optimized for operational efficiency and reduced transaction costs. | On-chain transaction execution powered by smart account infrastructure. |
| Gas Management | Managed by OpenXSwitch and infrastructure partners while abstracting most blockchain operational complexity from developers | Supports sponsored and gasless transactions by default. |
| Programmability | Operational wallet infrastructure with predefined flows and automation support. | Fully programmable wallet infrastructure with smart account execution capabilities. |
| Batch Transactions | Not supported. | Supported through smart account transaction batching. |
| Chain & Token Expansion | More rigid infrastructure. | Flexible architecture. New token and chain integrations can typically be completed within days or weeks if dependencies are available. |
| Minimum Transfers | Minimum external withdrawal outside OpenXSwitch: $10. Minimum internal transfer within OpenXSwitch: $1. | No enforced minimum withdrawal amount beyond required blockchain network fees. |
| Environment | Sandbox environment is an off-chain simulation of production infrastructure. No faucet or testnet interaction required. | Uses native blockchain testnet environments for supported networks and protocols. |
Which Product Should You Choose?
| Use Case | Recommended Product |
|---|
| Exchange infrastructure | Wallet-as-a-Service or Smart Accounts |
| Treasury management | Wallet-as-a-Service or Smart Accounts |
| Custodial wallets | Wallet-as-a-Service or Smart Accounts |
| Internal ledger-based operations | Wallet-as-a-Service |
| Gasless stablecoin wallets | Smart Accounts |
| Embedded onchain wallets | Smart Accounts |
| Consumer-facing Web3 experiences | Wallet-as-a-Service or Smart Accounts |
| Programmable transaction flows | Smart Accounts |
| Smart account infrastructure | Smart Accounts |
| On-chain automation and orchestration | Smart Accounts |
Key Architectural Difference
Wallet-as-a-Service is optimized around operational efficiency through off-chain infrastructure abstraction, unified balances, and internal ledger systems. Learn more
Smart Accounts is optimized around programmable on-chain execution using smart account infrastructure, enabling gas abstraction, transaction sponsorship, and advanced wallet orchestration. Learn more.png?fit=max&auto=format&n=ML35RDblT1Ol-zJb&q=85&s=062e79ad9c4540929eec204aff020178)
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