OpenXSwitch’s Smart Account Infrastructure provides programmable account infrastructure for developers, fintechs, institutions, exchanges, wallet providers, and trading platforms building on EVM, Solana, and Stellar network.
The infrastructure is designed to abstract blockchain complexity while enabling modern financial experiences and programmable transaction flows.
Within the OpenXSwitch platform, “Smart Accounts” refers to the infrastructure layer and operational section.
Architecture Overview
OpenXSwitch Smart Account supports multiple account and wallet models designed for programmable wallet operations, treasury routing, settlement flows, and end-user wallet infrastructure.
| Model | Description | Best For |
|---|
| Accounts | Logical container used to group and manage smart wallets. | Treasury separation, application-level grouping, operational isolation, and user segmentation. |
| Wallets | Actual blockchain wallet addresses grouped and managed under an account structure. | Deposits, programmable transfers, gasless transactions, and wallet execution flows. |
Types of Accounts
| Account Type | Description | Use Case |
|---|
| Settlement | Treasury-level account used for operational liquidity and settlement management. | Auto-sweep destination, treasury management, liquidity routing, and settlement operations. |
| User | Account structure used for end-user applications and wallet orchestration. | Consumer applications, embedded wallets, user balances, and programmable wallet flows. |
Types of Wallets
Wallets within Smart Account infrastructure are known as Smart Wallets.
| Wallet Type | Description | Use Case |
|---|
| Settlement | The first wallet automatically created under a Settlement Account. | Treasury reserve management and auto-sweep destination wallet. |
| Deposit | Additional smart wallet addresses created under accounts. | User deposits, programmable transfers, wallet interactions, and application-level wallet operations. |
Unified Wallet Addressing on EVM Chains
All supported EVM networks share the same wallet address format. A single wallet address can be used to receive supported assets across multiple EVM chains and tokens.
Learn More About Wallet Addresses Model Supported Asset Endpoints
Supported asset coverage for deposits and withdrawals is shared across Smart Account infrastructure.
| Action | Description | Link |
|---|
| Get Supported Blockchains | Retrieve supported blockchain networks available within Smart Account infrastructure. | api-reference/mix-endpoints/get-list-of-rechargeable-currencies |
| Get Supported Tokens | Retrieve supported tokens available across supported blockchain networks. | api-reference/mix-endpoints/get-all-supported-currencies |
| Get Supported Tokens With Blockchains | Retrieve supported tokens alongside their supported blockchain networks. | — |
Provisioning
OpenXSwitch Smart Account infrastructure supports programmable wallet provisioning for both operational and user wallet flows.
| Wallet Type | Provisioning | Use Case |
|---|
| Settlement | Settlement accounts and wallets are provisioned automatically after successful workspace onboarding and activation. | Treasury operations, liquidity management, and auto-sweep infrastructure. |
| Deposit / User | Smart wallets can be created programmatically using a valid email string and name through the API. | End-user wallets, embedded wallet infrastructure, and application wallet provisioning. |
Supported Operations
Smart Accounts support programmable wallet for:
- Deposits
- Withdrawals
- Smart account execution
- Gasless transactions (
EVM)
- Sponsored transactions (
Stellar, Solana)
- Auto-sweep operations
- Batch transactions
- On-chain swap and bridge operations
All transaction flows within Smart Account infrastructure are designed to support programmable and gas-abstracted operational experiences.
Benefits of Smart Accounts
| Capability | Description |
|---|
| Transaction Batching | Combines multiple actions into a single transaction flow, reducing friction, execution steps, and gas overhead. |
| Gas Abstraction | Allows gas fees to be sponsored or paid using supported ERC-20 assets instead of requiring native gas tokens. |
| Better User Experience | Reduces blockchain complexity and repetitive transaction confirmations for users. |
| Better Developer Experience | Simplify account orchestration, transaction execution, and policy management through programmable infrastructure. |
| Multisig Support | Requires multiple approvals before transactions can execute, improving institutional-grade security and reducing single points of failure. |
| Social Recovery | Allows trusted guardians or recovery policies to restore account access without depending entirely on seed phrases. |
| Auto Approvals & Subscriptions | Enables recurring approvals, delegated permissions, spending policies, and subscription-like transaction execution models. |
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