OMS Non-Custodial Wallets - Polygon Developer Docs

Interactive Demo

Walk through the key flows of a neobank built on an OMS wallet.

Non-custodial smart contract wallets from OMS Wallet are built directly into your app, without extensions, seed phrases, or a separate wallet app. Users retain control while authorizing transactions directly or through scoped smart-session permissions. Users benefit from smart contract wallets out of the box: batched transactions and session-based signing, all with a consumer-grade onboarding experience that works for any fintech or payments product.

Supported standards

The non-custodial wallet stack is fully compliant with the following EIPs:

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

Use cases

Use case	Fit
Neobank or fintech adding stablecoin wallets	Ideal
Payments app with recurring or batch transfers	Ideal
Consumer product onboarding non-crypto users	Ideal
Multi-step checkout with no approval prompt per step	Ideal
Enterprise custody with compliance requirements	Use Custodial Wallets
AI agent executing autonomous transactions	Use Agentic Wallets

Get started

Quickstart

Integrate a non-custodial wallet into your app in minutes.

Authentication

Authenticate with OIDC or email OTP.

Smart sessions

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

Wallet operations

Send transactions, sign messages, and check balances.

Private send

Send funds privately from a non-custodial wallet with cryptographic transaction integrity.

Recovery

Multi-auth linking and timed recovery for user wallet access.

Security

How keys are protected and transactions are validated.

Custodial wallet quickstart

SDK Quickstart

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