Wallet as a Service (WaaS) for Digital Products

Your product may need wallets even if your users never see them

Fintech apps

⭐ Embedded accounts and wallets
Add wallet functionality directly into your fintech product so users can hold, receive, and move digital assets without leaving your interface.

Stablecoin payments

⭐ Wallet infrastructure for stablecoin flows
Enable users or businesses to receive, store, and send stablecoins while the wallet layer operates behind the payment experience.

Cross-border payments

⭐ Wallets + transaction layer
Use wallet accounts behind cross-border flows to receive, hold, and move digital assets while connecting blockchain or stablecoin rails with payout and settlement infrastructure.

Marketplaces

⭐ User balances, settlements & payouts
Give sellers, creators, merchants, or partners embedded wallet-based accounts for balances, transfers, settlements, digital assets, and payouts inside your marketplace.

Trading platforms

⭐ Wallet accounts for digital assets
Give users dedicated wallet accounts for deposits, withdrawals, asset balances, and transaction management within your trading product.

Loyalty & rewards

⭐ Digital assets and programmable rewards
Power tokenized rewards, digital collectibles, or blockchain-based loyalty benefits without requiring users to interact with a traditional crypto wallet.

Gaming

⭐ In-app digital asset ownership
Let players own, receive, and transfer in-game assets while wallet functionality remains embedded inside the game experience.

Ticketing & access

⭐ Digital tickets and verifiable credentials
Issue, store, transfer, and verify digital tickets or access credentials while the wallet layer remains invisible to the end user.

Choose the wallet architecture that fits your product

User-controlled wallets

Give users direct control over their assets with streamlined onboarding, authentication, recovery, and transaction signing.

Embedded wallets

Add wallet functionality directly inside your app or platform so users can interact with digital assets without managing a traditional standalone crypto wallet.

MPC wallets

Use distributed key management to create more flexible security, signing, and recovery flows without relying on a single private key.

Smart accounts

Enable programmable wallet experiences with gas abstraction, transaction batching, permissions, and automated actions.

Business-controlled wallets

Design wallet flows around business-managed accounts, transaction policies, permissions, and backend operations when your platform needs more control.

White-label wallets

Launch a branded wallet using an existing wallet foundation and customize the UX, features, integrations, and branding around your product.

What ND Labs can build around the wallet layer

Wallet infrastructure is only one part of the product. ND Labs builds the application, business logic, integrations, and user experience around it — so the wallet works as part of your product, not as a separate technical component.

✅ Wallet infrastructure integration
Connect the wallet layer with your existing backend, third-party infrastructure, blockchain networks, and external services.

✅ Backend & transaction logic
Build the flows behind accounts, balances, deposits, withdrawals, transfers, signing, transaction processing, and product-specific business rules.

✅ User experience
Create web and mobile experiences with onboarding, authentication, recovery, transaction flows, and wallet functionality embedded naturally into the product.

✅ Payments & Web3 integrations
Connect on/off-ramps, KYC/AML providers, swaps, payment services, DeFi protocols, WalletConnect, and other infrastructure required by your product.

✅ Admin & operations
Add the tools your team needs to manage users, monitor transactions, configure product settings, and support day-to-day operations.

✅ Security & launch
Test critical wallet flows, prepare the infrastructure for production, deploy the product, and support web or mobile release.

Start with the ND Labs wallet foundation

Start with an existing wallet foundation

Use an existing wallet foundation with core wallet functionality already in place instead of rebuilding the basic architecture for every new product.

Customize it around your use case

Adapt the UX, transaction flows, supported assets, authentication, integrations, and business logic for your fintech, payments, marketplace, gaming, or digital asset product.

Add the infrastructure you need

Integrate custody or MPC providers, payment rails, KYC/AML, on/off-ramps, blockchain services, APIs, and other third-party infrastructure based on your architecture.

Launch as your own product

The final experience can live under your brand and inside your existing ecosystem — with wallet functionality working as an integrated product layer rather than a standalone crypto app.

Core wallet capabilities

Wallet creation & management

Create and manage wallets for users, businesses, or platform accounts as part of your existing product flows.

Multi-chain support

Connect your product to the blockchain networks and digital assets required by your use case.

Transaction processing

Support deposits, withdrawals, transfers, signing, transaction status tracking, and product-specific transaction flows.

Authentication & recovery

Design onboarding, authentication, recovery, and access flows around the level of security and user experience your product requires.

Gas & transaction experience

Abstract blockchain complexity with gas management, sponsored transactions, batching, or other transaction logic where appropriate.

Asset functionality

Support tokens, stablecoins, NFTs, digital credentials, rewards, or other digital assets based on your product model.

Permissions & business rules

Add transaction limits, user roles, approval flows, permissions, and application-specific logic around wallet activity.

Admin & monitoring

Give your team visibility into users, wallets, transactions, system activity, and operational workflows.

Security and custody architecture built around your product

Custody architecture

Choose between user-controlled, business-controlled, MPC, embedded, or hybrid wallet models based on who needs to control assets and transactions.

Key management

Design key storage, signing, recovery, and access flows around your security requirements and user experience.

Transaction controls

Add permissions, approval rules, transaction limits, and other safeguards around sensitive wallet operations.

Authentication & recovery

Create secure access and recovery flows that reduce friction without compromising control over wallet accounts.

Third-party security infrastructure

Integrate MPC, custody, authentication, KYC/AML, monitoring, and other specialized providers when your architecture requires them.

Security testing before launch

Validate critical wallet and transaction flows before production deployment and identify risks across backend, integrations, and user-facing interactions.

APIs, SDKs and infrastructure integrations

Connect wallet APIs and SDKs

Integrate wallet infrastructure, custody providers, blockchain APIs, SDKs, and signing services into your backend and applications.

Connect your existing backend

Link wallet accounts and transaction flows with your user profiles, databases, business logic, and internal systems.

Integrate payment infrastructure

Connect fiat on/off-ramps, payment providers, stablecoin rails, payout services, swaps, and other money-movement infrastructure.

Add compliance services

Integrate KYC/AML, transaction monitoring, screening, and other compliance tools required by your business model.

Connect Web3 infrastructure

Add blockchain networks, smart contracts, DeFi protocols, WalletConnect, token services, and other Web3 components.

Build the application layer around the integrations

ND Labs can handle the backend logic, mobile or web experience, admin tools, and operational flows required to turn separate infrastructure components into one working product.

Wallet infrastructure for different product models

Stablecoin products

Use wallet infrastructure as the account and transaction layer behind stablecoin-based products. Users or businesses can receive, hold, send, and convert stablecoins through your interface, while the underlying wallet layer handles balances, signing, transaction history, and blockchain interactions. The product can then connect to fiat on/off-ramps, payment providers, treasury systems, or settlement infrastructure without sending users to an external wallet.

Payment & payout platforms

Build wallet-based payment flows for merchants, contractors, sellers, partners, or platform users. Wallet accounts can support incoming funds, internal transfers, stablecoin settlement, withdrawals, and payouts, while your platform controls the business logic around when and how funds move. The wallet layer can be integrated with payment rails, payout providers, compliance services, and reconciliation workflows already used by your business.

Fintech apps

Introduce digital asset functionality without turning your fintech product into a crypto-first experience. Wallet accounts can operate behind familiar user profiles and support stablecoin balances, transfers, deposits, withdrawals, asset conversion, or other blockchain-enabled services. Authentication, recovery, KYC, and transaction flows can remain part of the same branded experience your users already know.

Trading & exchange platforms

Use wallet infrastructure to connect blockchain asset flows with the trading experience. Users can receive dedicated deposit addresses, fund accounts, withdraw assets, and manage balances while the wallet layer integrates with your trading engine, liquidity providers, compliance systems, and internal operational tools. The architecture can support different asset-control and signing models depending on how the platform operates.

Marketplaces

Create embedded wallet accounts for sellers, creators, merchants, or other marketplace participants. The wallet layer can support balances, digital payments, commissions, settlements, rewards, and payouts without requiring each participant to manage a separate external wallet. Wallet activity can remain connected to the marketplace’s user accounts, transaction logic, fees, and payout rules.

Ticketing & access

Turn tickets, passes, memberships, or access rights into digital assets that remain connected to the user throughout their lifecycle. Wallet infrastructure can support issuance, storage, verification, transfer, redemption, and post-event functionality while the user continues interacting through the event, venue, or brand experience. The same layer can later support memberships, loyalty benefits, collectibles, or access credentials.

Loyalty & rewards

Build rewards that behave as part of the product rather than as points stored in an isolated loyalty database. Users can receive, hold, redeem, or interact with digital rewards, vouchers, membership benefits, collectibles, or other programmable assets. Wallet infrastructure can manage ownership and transactions in the background while the loyalty experience remains fully branded and does not require users to understand blockchain technology.

Gaming & digital assets

Give players persistent ownership of in-game assets without interrupting the game experience with traditional wallet flows. Wallets can be created and managed behind player accounts to support items, collectibles, rewards, inventories, transfers, or marketplace activity. Authentication, signing, and blockchain interactions can remain embedded inside the game while the game economy and UX stay under your control.

Web3 applications

Use Wallet-as-a-Service as the account and transaction layer behind a Web3 product instead of building wallet infrastructure internally. The wallet layer can handle wallet creation, authentication, signing, asset management, and multi-chain transactions while your application controls the business logic, smart-contract interactions, user experience, and external integrations. This allows the product team to focus on the application itself rather than rebuilding wallet fundamentals.

How we work

Define the product and architecture

We start with the use case, user flows, assets, transaction logic, integration points, and operational requirements. The goal is to understand what the product needs from the wallet layer before choosing how that layer should be implemented.

Choose the right wallet foundation

Use an existing WaaS provider, build on the ND Labs wallet foundation, or create a custom wallet architecture. We help select the approach that fits your product rather than forcing the product into a predefined stack.

Engineer the product around it

We connect the wallet layer with the rest of your system: backend logic, APIs, authentication, transaction flows, admin functionality, integrations, and the user-facing experience.

Prepare for launch and evolution

The architecture is tested as part of the complete product, not as an isolated wallet component. From there, the product can continue evolving as your use cases, integrations, transaction flows, and business requirements grow.

The wallet layer should fit your product, not define it

Ownership and control

Define where wallet logic lives, which components stay under your control, and where external infrastructure providers fit into the architecture.

User experience

Wallet functionality does not have to feel like a separate crypto product. It can sit behind the experience as an embedded product capability.

Integration architecture

Connect wallet functionality with your existing backend, authentication, transaction logic, third-party services, and operational systems.

Infrastructure flexibility

Avoid designing the entire product around a single provider. The architecture can be structured around the product requirements and the infrastructure that supports them.

Operational workflows

Consider what happens beyond wallet creation: transaction flows, permissions, administrative actions, user support, and internal operations.

Product evolution

Build the wallet layer with future use cases in mind — whether the product later expands into payments, digital assets, trading, rewards, or other wallet-enabled functionality.

See one product built on the ND Labs wallet foundation

NDWallet mobile UI preview showing onboarding screen, multi-chain crypto asset dashboard with ETH, USDT, BTC balances, and transaction history — example of branded non-custodial wallet interface.

Your Branded Crypto Wallet, Ready to Launch

ND Wallet is one example of how our wallet foundation can be configured as a complete branded wallet product. The same foundation can also support embedded wallet experiences and wallet-enabled functionality inside other products.

Explore product overview

FAQ

What is Wallet-as-a-Service?

Wallet-as-a-Service (WaaS) is an infrastructure model that allows companies to add wallet capabilities to their products without building the entire wallet layer from scratch.

Depending on the product, those capabilities can support accounts, digital assets, transactions, balances, payments, rewards, or other wallet-enabled experiences.

Do my users need to see or manage a crypto wallet?

Not necessarily.

The wallet can be part of the underlying product infrastructure rather than a standalone user-facing feature. In an embedded experience, users may interact with accounts, balances, assets, or transactions without thinking of the product as a “crypto wallet.”

Is ND Labs a Wallet-as-a-Service infrastructure provider?

ND Labs approaches Wallet-as-a-Service from the product engineering side.

We can build a product around an existing WaaS provider, use the ND Labs wallet foundation where appropriate, or design a custom wallet architecture around the product requirements.

The objective is not simply to provide wallet infrastructure, but to turn that infrastructure into a complete product experience.

Can ND Labs integrate an existing WaaS provider?

Yes.

If you already use or plan to use a wallet infrastructure provider, ND Labs can build the product and integration layer around it rather than replacing the existing infrastructure.

What is the difference between Wallet-as-a-Service and a white-label crypto wallet?

A white-label wallet is typically a ready-made wallet product that can be branded and customized for a business.

Wallet-as-a-Service is broader as an infrastructure concept: wallet capabilities can be embedded into another product without the wallet becoming the product itself.

For example, a fintech platform, marketplace, trading product, or payment application may require wallet infrastructure while presenting a completely different experience to its users.

Can Wallet-as-a-Service be used outside a traditional crypto wallet product?

Yes. That is one of the main reasons to use wallet infrastructure as a service layer.

Wallet capabilities can sit behind fintech products, stablecoin payment flows, marketplaces, trading platforms, loyalty products, gaming experiences, and other applications that need accounts, balances, assets, or transaction functionality.

Can ND Labs build a custom layer around wallet infrastructure?

Yes.

Wallet infrastructure can serve as the foundation while the surrounding product — business logic, backend systems, integrations, admin functionality, and user experience — is designed specifically for your use case.

Do we need to choose a wallet provider before contacting ND Labs?

No.

The wallet architecture can be evaluated as part of the product discovery process. If you already have a provider, we can work with that foundation. If not, the infrastructure approach can be selected based on the actual product requirements.