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Custodial wallets are managed wallets where a trusted third party holds and secures private keys on behalf of users. This model is well-suited for regulated financial products, enterprise deployments, and use cases where users should not be responsible for managing their own keys. Polygon’s Open Money Stack provides enterprise-grade custodial wallet infrastructure with established compliance, AML, and KYC capabilities built in.

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When to use custodial wallets

Use caseRecommended
Regulated financial products (e.g., fintech, neobanks)Yes
Enterprise deployments requiring managed key recoveryYes
Users who should not self-custodyYes
Consumer apps where users want full key ownershipUse Embedded Wallets instead

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Contact us to get access to the OMS custodial wallet API and integration documentation.