Overview
Create secure MPC wallets, sign transactions, sponsor gas, and recover accounts across multiple chains in a flexible custody model fro your users.
What Are Smart Wallets?
Smart Wallets provide everything required to build production-grade wallet experiences without handling private keys directly.
Instead of relying on browser extensions or storing private keys in your backend, Smart Wallets use Multi-Party Computation (MPC) to enable secure transaction signing without reconstructing a private key.
Each wallet consists of independently managed MPC shares. Client shares remain under your control and are only provided during signing operations, while Tatum manages the corresponding share required to participate in the MPC protocol. This enables the following :
Whether you're building fintech products, consumer apps, trading platforms, AI agents, gaming applications, or enterprise infrastructure, Smart Wallets provide a secure foundation for blockchain interactions.
Core Capabilities
Supported Networks
Smart Wallets support multiple blockchain ecosystems through two cryptographic curves.
| Curve | Supported Networks |
|---|---|
| SECP256K1 | Ethereum, Polygon, Base, Arbitrum, Optimism, Avalanche, Celo, Monad, Bitcoin, Tron |
| ED25519 | Solana, Stellar |
One wallet can be used across all supported chains
Smart Wallets FAQs
What are Smart Wallets?
Smart Wallets are Tatum's MPC-based custodian wallet service, currently in beta. You can create and manage end-user wallets server-side through the Tatum Wallet SDK and the /v4/wallets API without handling raw private keys.
Why do I get wallets.custodian.api.key.missing when calling /v4/wallets/clients?
This error means Smart Wallets is not enabled for your account. During the beta, custodian endpoints such as GET /v4/wallets/clients and custodian.createClient require manual activation, even if your regular RPC and Data API access works.
Email [email protected] from the address associated with your Tatum account and request Smart Wallets activation.
How do I get access to Smart Wallets?
- Move your account to the Pay-as-you-go plan or higher. Smart Wallets is not available on the Free plan.
- Email [email protected] and request Smart Wallets access.
- Wait for activation, which takes up to four hours after your request.
Is Smart Wallets available on the Free plan?
No. Smart Wallets requires the Pay-as-you-go plan or higher. A qualifying plan does not enable the feature automatically during the beta, so you must also request activation from [email protected].
Once activated, is the full feature set enabled?
Yes. Activation enables the complete custodian surface for your account, including custodian.createClient, sessions, wallet generation, transaction signing, and backup and recovery.
Can I use testnets?
Yes. You can use testnets such as Ethereum Sepolia and Base Sepolia for development. Operations still consume credits, but testnets let you validate your integration without sending mainnet transactions.
Do I need a separate API key for the Wallet SDK?
No. Smart Wallets uses your existing Tatum API key in the Wallet SDK. After activation, use the same key for the custodian endpoints that you use for RPC and Data API access.
What are the wallet, signing, and transaction limits?
Smart Wallets has no hard limits on wallets, signing operations, or transactions. Each operation consumes credits through Tatum's standard credit system, so maintain a sufficient credit balance for the operations you run.
Updated about 18 hours ago