Protocol
Smart Accounts & Paymasters
ERC-4337 smart contract accounts with KYA binding, session keys validated at the Sequencer, USDC-sponsored gas, and multi-sig support. Existing wallet infrastructure works unchanged. Caviar-specific extensions integrate compliance, agents, and confidential execution.
Key figures
Account types
One primitive, four institutional patterns.
Personal Smart Account
Individual user account with a single owner key. Standard ERC-4337 wallet pattern. Suitable for retail-allocator and individual-trader use cases.
Multi-Sig Smart Account
M-of-N signature requirement. Suitable for institutional treasury, fund management, multi-trader desks. Safe-style logic with KYA-aware per-signer compliance.
Agent Smart Account
Account operated by a credentialed agent under KYA scope. Combines ERC-4337 with the Agent Protocol; spending limits and session keys derive from the agent’s credential.
Custodial Smart Account
Signing authority held by a registered custodian (Fireblocks, Anchorage, BitGo). Custodian policy engine governs approval; KYA enforces principal’s compliance independently.
Capabilities
Production-ready account abstraction.
Session keys at consensus
Issue keys with declared scope — contract whitelist, function selectors, spending cap, time window. Validated inside the Sequencer TEE; cannot exceed scope regardless of operator code.
USDC-sponsored gas
Paymaster contracts sponsor gas in USDC. Unconditional, conditional (on a fee-bearing action), or pay-with-asset patterns. Standard contracts in @caviar/contracts.
Spending limits enforced on-chain
Per-transaction, per-day, per-asset caps. Lowering is immediate; raising has a configurable delay. Multi-factor or multi-sig required to escalate limits.
KYA-bound, key-rotated
Credentials bind to the account, not the signing key. Rotate keys without re-running KYC. Guardian-based recovery per ERC-4337 social recovery patterns.
Existing tooling works
Coinbase Smart Wallet, Privy, Dynamic, Magic, Particle integrate unchanged. Standard EntryPoint, UserOperation, bundler interfaces.
Custodian-aligned
Fireblocks, Anchorage, BitGo as signing authorities. Custodial policy engines plug in via the Custodial Smart Account pattern.