> Wallet-as-a-service for banks and fintechs: programmable MPC wallets on 100+ networks via one API. SOC 2 Type II. Pure technology, not a custodian. - Canonical: https://dfns.co/wallet-as-a-service - All DFNS pages and articles: https://dfns.co/llms-full.txt --- # Wallet-as-a-Service The new financial accounts start here [Start building ](https://app.dfns.io/login)[Contact sales](https://dfns.co/contact) Run onchain operations and launch financial services, for you and your clients. Wallet balance $ 17,268,000 .82 340K vs. 7 days ago Idle balance $ 418,000 .82 340K vs. 7 days ago Archived balance $ 286,000 .82 340K vs. 7 days ago Wallet Network Address Status Balance ### One core for every business Run treasury, trading, tokenization, payments, and user flows under one company-wide wallet layer. ### Move at production speed Launch wallets in milliseconds. Add new chains in days. Scale from sandbox to millions of accounts. ### Control every workflow Every intent must be signed and go through policies, quorums, whitelists, organizations, and more. ### Deploy on your own terms SaaS, hybrid, or on-premises. Meet your regulatory requirements without changing the vendor stack. --- Data model ## How the platform is organized The platform has five levels, from the institution down to the token balance. Every level is addressable in the API. --- - ### The contracting institution. It holds every org beneath it and the settings that apply to all of them. - ### A division, legal entity, region or client of the institution. Each org has its own users, credentials and permissions. - ### A group of wallets within an org, separated by purpose or client and sharing one key configuration. - ### A blockchain account derived from a key, with chain access and indexing included. Its tags decide which policies apply. - ### A token or coin balance in a wallet, with its full history indexed. What is changing ## One wallet to unify every account Finance runs on many account types, each with its own ledger, intermediaries and hours. A wallet on DFNS does the work of all of them. ### Current account Stablecoins and tokenized cash. Payments settle in seconds, any day of the week. ### Deposit account Tokenized deposits issued by the bank, with interest and maturity built into the token. ### Treasury account Cash and tokenized instruments across entities, in one view and under one set of limits. ### Securities account Tokenized stock, bonds and funds, ownership recorded and subscriptions settled instantly. ### Custody account Keys are held under zero trust security and client assets sit in segregated wallets. ### Settlement account DvP in one transaction, with no settlement cycle and no counterparty exposure. ### Correspondent account Cross-border transfers wallet to wallet in stablecoins, with no pre-funded balances. ### Collateral account Collateral is pledged, valued and released by code, for lending, repo and margin. --- Wallets are the new\ bank accounts ------------- Wallets that mirror your org chart. Structure wallet fleets by customer, entity, product, or strategy. Every wallet has an owner, a purpose, and a place in your architecture. Tags & metadata Classify wallets by product, segment, geography, asset class, or risk band. Search, audit, and operate groupings of any size. Sub-organizations Isolate wallets by client, entity, or partner. Each environment carries its own users, policies, and controls. Lifecycle Create, freeze, archive, migrate, and recover wallets via API. Every state change is tracked, assignable, and reversible. Overview Vaults Wallets Wallet balance $ 17,268,000 .82 340K vs. 7 days ago Idle balance $ 418,000 .82 340K vs. 7 days ago Archived balance $ 286,000 .82 340K vs. 7 days ago Wallet Network Address Status Balance Treasury BTC 01 Bitcoin bc1q9x...4k2m7v Active $8,240,000 Treasury ETH 01 Ethereum 0×045342...234ea34d Active $4,110,000 Stablecoin USDC 03 Ethereum 0×98ab12...77cd01f Active $2,980,000 Settlement SOL 02 Solana 7Fq2a...9bTcz Active $1,240,000 Payments MATIC 01 Polygon 0×2a41ff...9b7c22a Archived $412,000 Custody AVAX 01 Avalanche 0×5512ab...41de99c Active $286,000 One API for every\ business model -------------- Cover every customer relationship from one extensible layer — B2B, B2B2C, B2B2B — without rebuilding the stack. Wallet hierarchies Group wallets into treasuries, books, portfolios, or master-sub models. Apply policies, reporting, and reconciliation top down. White-label Provision wallets for your customers, partners, or their users. Embedded in your product, branded as yours. Ownership & isolation Isolate clients, roles, and activity down to the key. Bind wallets to users, orgs, sub-orgs, or teams. Govern from the top. ![Wallet API interface](https://dfns.co/images/products/API.webp) Choose who\ holds the keys -------------- Configure wallet control by product, user journey, regulatory model, or operational risk. One platform, every custody model. Org-controlled Wallets owned by your institution. Run treasury, payments, trading, custody, and settlement under your own keys. User-controlled Wallets owned by end users through passkeys, biometrics, hardware, or passwords. Your UX, their keys. Hybrid Combine institutional controls, user credentials, and policy enforcement for products that require shared responsibility. Policies & RulesUsers & AccessUser groupsPermissions Search Filter Export Invite User User Role Groups Status Last active TA Thibault Ancelin thibault\@dfns.co Owner Treasury Ops, Admins Active 2 min ago SK Sarah Kim sarah\@northwind.co Admin Treasury Ops Active 1h ago JR James Rowe james\@northwind.co Approver Treasury Ops, Compliance Active 3h ago RK Robert Kane robert\@northwind.co Approver Trading Desk Active Yesterday LW Lena Weber lena\@northwind.co Auditor Compliance Invited — MB Marc Bello marc\@northwind.co Viewer Finance Suspended Aug 12 Built for humans,\ systems, and agents ------------------- Configure how every wallet is accessed and operated. User driven, policy driven, service driven, or fully autonomous, all within the limits you set. User-operated Employees and end users initiate activity through governed authentication and approval flows. Service-operated Automations run backend operations like settlement, rebalancing, sweeping, and scheduled processes. Agent-operated AI transacts under strict permissions, policy guardrails, hard limits, and immutable audit trails. T Treasury Updated: 3h ago Send Receive Swap Total Balance $ 31,247,813 .28 $2.8M vs. 30 days ago June 2June 12June 22June 30 Portfolio Asset allocation · 24 wallets · 18 assets · 2 frozen Title Percent Balance BTC 42% $5.17M ETH 31% $3.82M USDC 19% $2.34M Other 8% $0.99M Vaults Wallets Add Vault Hot Vault $ 12,312,562 .82 9.40% vs. 7 days ago Trading Vault $ 980,240 .03 4.20% vs. 7 days ago Cold Storage Vault $ 8,213,540 .00 2.16% vs. 7 days ago Stablecoin payments. Discover how Bridge powers global stablecoin payments. Discover how Bridge powers global stablecoin payments. Discover how HIFI ships payments on DFNS. Bridge powers global stablecoin payments and moves billions of dollars around the world for companies like Klarna, Coinbase, SpaceX, Remitly, and Shopify, using DFNS. > Not only did we weather the incident, we came out of it with a healthier, faster, and more reliable system than a week earlier. DFNS was a big part of that. [Transaction Management ](https://dfns.co/transaction-management)[Workflows](https://dfns.co/workflows) The wallet layer is highly programmable, and reaching it took minimal integration effort. Support moves fast when something needs attention, and new features land quickly rather than sitting on a roadmap. > Building our own wallet infrastructure would have meant serious investments. None of that is our core focus as a payment service. DFNS gave us production-ready wallets with strong multi-chain infrastructure and secure passkey authentication our users appreciate. Because DFNS runs the wallet layer, we got faster to market, had less infrastructure overhead, and more confidence in the security of our users' assets. [Wallet-as-a-Service ](https://dfns.co/wallet-as-a-service)[Key Management ](https://dfns.co/key-management)[Transaction Management](https://dfns.co/transaction-management) Ryan Fogle Founding Engineer, Bridge Zach Walsh CEO, HIFI - 01 · Authenticate ### Lock down your perimeter Create a service account. Bind a credential. Scope the permissions. Every request is signed before it touches a wallet. - 02 · Provision ### Create your first wallets One call. Any network. Funded and addressable in under a second. Scale from one to one billion without rewriting a line. - 03 · Govern ### Code in the rules Velocity limits. Address allowlists. M-of-N quorums. ABI-aware checks. Write the policy once. It runs on every wallet that inherits it. - 04 · Transact ### Sign, broadcast, settle Tracked every step. One call composes, simulates, evaluates policy, collects approvals, signs, broadcasts, and tracks delivery.