Onchain Infra · Access · 17 / 22
Wallets & Accounts
Where users hold and sign
The account is the user's identity and balance. Smart accounts add passkeys, batching, recovery and spending limits.
Where it connects
How It Works
- 01CreateGenerate a key, passkey or smart account.
- 02SignApprove transactions, alone or in batches.
- 03DelegateGive apps or agents scoped, revocable keys.
Designs
01
Externally owned accounts
One private key, seed phrase.
02
Smart accounts
Programmable rules, ERC-4337 and EIP-7702.
03
Embedded wallets
Created inside an app with email or passkey.
Who Builds It
Across ecosystems, not one chain.
MeMetaMaskEVMBrowser and mobile wallet
PhPhantomSolana, EVMMulti-chain consumer wallet
SaSafeEVMMultisig smart accounts
CoCoinbase WalletEVMSmart wallet with passkeys
PrPrivyEmbeddedIn-app wallets, now part of Stripe
ERERC-4337 · 7702EthereumAccount abstraction standards
What to Compare
01
Sign-in: seed phrase or passkey
02
Recovery
03
Delegation and spend limits
On Tempo
On Tempo · In the protocol
Account abstraction is native: passkey signing, batches, parallel nonces and scoped access keys.
Face ID
Sign with passkeys
5 min
Expiring nonces
2D
Parallel nonces
Root
PasskeyVerifying…
Keychain
Scoped · revocableAdmin key· New laptopNo limit
Access key· AI agent$50 / day
Access key· Card backend$500 / month
One atomic batch
All or nothingapprove
swap → OUSD
pay Ana
pay Kofi
pay Mei
Parallel nonce lanes
2D nonceskey 1
key 2
key 3
Expiring nonces: valid ≤5 min
WebAuthn signing
Log in and pay with a passkey
Batch calls
Payroll in one atomic transaction
2D nonces
Independent parallel transaction streams
Expiring nonces
T11Fire-and-forget, no nonce bookkeeping
Access keys
Scoped, limited, revocable delegated signers
Admin keys
T6Add devices without the root key
Deel
Karta
RedotPay
KAST