cowchain
Account Abstraction & Embedded Wallets — Web2-Smooth UX, Built by Cowchain
For consumer apps that need onchain UX without seed phrases. We design, build and ship smart wallets, embedded wallets and gas sponsorship — and rescue stalled builds.
Trusted by teams we've shipped for
Web3 products shipped
moved & raised on-chain
wallets created for clients
blockchains integrated
In short
Cowchain builds smart wallets and embedded wallet infrastructure — ERC-4337 and EIP-7702 account abstraction, gas sponsorship via paymasters, passkeys and MPC, and wallet-as-a-service — so users onboard without seed phrases or gas friction, from architecture to production.
Reviewed by the Cowchain Engineering Team · Published June 4, 2026
Why now
EIP-0Ethereum's Pectra upgrade let every account act as a smart account.
Account abstraction is the UX unlock for consumer onchain. ERC-4337 made smart wallets real, and Ethereum's Pectra upgrade shipped EIP-7702 so even regular EOAs can act as smart accounts — enabling gas sponsorship, batched transactions, passkeys and session keys. The result: onboarding that feels like Web2, no seed phrase required.
Source: Ethereum — EIP-7702 specificationWhat we build
Wallet UX infrastructure that removes every onboarding friction.
ERC-4337 smart wallets
Smart-contract accounts with batching and recovery.
EIP-7702 upgrades
Give existing EOAs smart-account powers.
Embedded / WaaS
Wallets created silently in-app — no extension, no seed phrase.
Gas sponsorship (paymasters)
Sponsor gas or let users pay in stablecoins.
Passkeys & social login
Biometric / passkey auth and social recovery.
MPC key management
Distributed key custody with no single point of failure.
Session keys
Scoped, time-limited permissions for smooth UX.
Multi-chain wallets
One wallet across the chains your app uses.
Which wallet approach fits you?
Custody and UX trade off differently across these. Here's the comparison.
| Approach | How it works | Best for | Key build considerations |
|---|---|---|---|
| ERC-4337 smart account | Contract wallet + bundler | Full AA features | Bundler/paymaster infra, audits |
| EIP-7702 | EOA delegates to contract | Upgrading existing users | Delegation safety, revocation |
| Embedded MPC wallet | Keys split, created in-app | Consumer onboarding | Key shares, recovery, security |
| Passkey wallet | Device passkey signer | Seedless, biometric UX | Recovery, cross-device sync |
Most consumer apps combine embedded + AA + sponsorship — we scope the mix in discovery.
Ready to build Account Abstraction & Wallets?
Get a straight answer on scope, timeline and cost — from the team that builds it.
How we build it
From UX and custody design to a monitored production rollout.
- 01
Discovery & UX design
Onboarding flow, custody model and recovery.
- 02
Architecture
Account standard, paymaster and key-management design.
- 03
Wallet development
Smart accounts, embedding, sponsorship and passkeys built.
- 04
Security audit
Audit account, paymaster and recovery paths before launch.
- 05
Integration
SDK wired into your app across target chains.
- 06
Launch & monitoring
Roll out and monitor onboarding, gas spend and recovery.
Proof
Hybrid & Stars
We built onboarding that scales: Hybrid created 4.3M+ unique wallets in just five weeks, and Stars reached 1.2M+ monthly active users on a mini-app — the exact consumer-grade wallet and onboarding UX account abstraction is built to deliver.
Read the case studyRelated work
wallets created in 5 weeks — Hybrid
monthly active users — Stars
testnet transactions — Hybrid
consumer products in production
“Cowchain onboarded millions of wallets without the usual Web3 friction.”
Who we build for
Fintechs & neobanks
Branded stablecoins, payments and embedded wallets.
Banks & institutions
Compliant tokenization, custody and settlement rails.
Funds & asset managers
Tokenized treasuries, credit and RWA products.
Exchanges & trading venues
Perp DEXs, orderbooks and trading terminals.
Payment & remittance
Cross-border settlement and on/off-ramps.
Web3 startups & founders
From architecture to mainnet — and rescues.
Enterprises & brands
Token launches, loyalty and consumer onchain UX.
Telegram & consumer apps
TON mini-apps, AA wallets and viral distribution.
Tech stack & chains
AA infrastructure across the chains consumer apps live on.
- Base
- Solana
- Ethereum L2s
- Polygon
- TON
- ERC-4337 / EIP-7702
- MPC / passkeys
- Paymasters / bundlers
Why Cowchain
We rescue stalled builds
Inherited a half-finished contract or a deadlocked codebase? We audit, stabilise and ship it — not just greenfield work.
Founder-led & fast
You talk to the people building it. Tight loops, weekly demos, no account-manager telephone game.
Web3-native team
Years across DeFi, payments, NFTs and infra — 30+ shipped products, not a pivoted Web2 shop.
Security-first
Audit-ready contracts, threat modelling and monitoring baked into the process, not bolted on at the end.
FREQUENTLY ASKED QUESTIONS
Ship seamless wallets
Tell us what you're building. You'll get a straight answer on scope, timeline and cost from the people who'll actually build it — not a sales deck.
- Founder-led team · we design, build and ship
- We also rescue stalled builds
- Clutch 5.0 · 32 reviews
