> ## Documentation Index
> Fetch the complete documentation index at: https://docs.openxswitch.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Smart Accounts: Architecture
> This section introduces the core concepts and wallet models used across the OpenXSwitch Smart Account infrastructure.
**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. |
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](/stable-wallet/wallet-address-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. |