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Embedded wallets give your users a wallet experience without the friction of extensions, seed phrases, or separate apps. They are non-custodial: users control their keys, and no third party can move funds on their behalf. Polygon’s embedded wallet stack is powered by Sequence. Users benefit from smart contract wallets out of the box: sponsored gas, batched transactions, and session-based signing, all with a consumer-grade onboarding experience that works for any fintech or payments product.

Key features

  • Social and email login: users sign in with Google, Apple, or email OTP. A wallet is created automatically, with no seed phrase required.
  • Account abstraction: smart contract wallets enable sponsored gas, transaction batching, and programmable recovery flows.
  • Smart sessions: your app executes transactions on behalf of users within scoped permission windows, removing repeated prompts during multi-step payment flows.
  • Non-custodial: private keys are secured in AWS Nitro Enclaves using threshold cryptography. Neither Sequence nor Polygon holds user keys.
  • No pop-ups: the wallet is embedded natively in your product. Users never leave your app to sign a transaction.
  • Cross-product portability: wallets are tied to a user’s identity, not your app, so they persist across your product suite.

Supported standards

The embedded wallet stack is fully compliant with the following EIPs:
StandardDescription
EIP-712Typed structured data signing. Wallets present human-readable data for user approval rather than raw hex.
EIP-1271Smart contract signature validation. Contracts can verify signatures via isValidSignature, enabling contract wallets to sign onchain messages.
EIP-2098Compact signature representation. Reduces signature size from 65 to 64 bytes for more efficient onchain verification.
EIP-6492Signature validation for pre-deploy (counterfactual) contracts. Allows wallets that have not yet been deployed onchain to produce verifiable signatures.

Use cases

Use caseFit
Neobank or fintech adding stablecoin walletsIdeal
Payments app with recurring or batch transfersIdeal
Consumer product onboarding non-crypto usersIdeal
Multi-step checkout with no approval prompt per stepIdeal
Enterprise custody with compliance requirementsUse Custodial Wallets
AI agent executing autonomous transactionsUse Agentic Wallets

Get started

Quickstart

Integrate an embedded wallet into your app in minutes.

Authentication

Configure social login, email OTP, and passkey auth flows.

Smart sessions

Scope transaction permissions so users approve once and your app handles the rest.

Wallet operations

Send transactions, sign messages, and check balances.

Recovery

Passkeys and timed recovery for user wallet access.

Security architecture

How keys are protected and transactions are validated.