Smart Accounts

Your Pecunity account is powered by a smart contract account built on ERC-4337 (Account Abstraction). This gives you the convenience of a regular web app login with the security of blockchain technology.

How it works

When you sign in with Google, Facebook, email, or a passkey, Pecunity creates a smart contract wallet for you on the blockchain. This wallet is controlled by your login credentials, not by a private key you need to manage.

What makes it different from a regular wallet?

Feature	Traditional wallet	Pecunity smart account
Login	Seed phrase / private key	Google, email, passkey
Gas fees	You pay in native token	Sponsored (free for you)
Batch transactions	One by one	Multiple actions in one
Recovery	Lose seed phrase = lose everything	Recover via login method
Security upgrades	Fixed	Upgradeable smart contract

Security features

Multi-Factor Authentication (MFA)

Add an extra layer of protection to your account. When MFA is enabled, you need to verify your identity with a second factor before sensitive operations.

Passkeys

Add a passkey as an additional login method. Passkeys use your device's biometrics (Face ID, fingerprint, or PIN) and are phishing-resistant.

Account transfer

If you need to move your account to a different owner, you can safely transfer ownership through the settings.

Your strategy vaults

When you activate a strategy, your funds are held in a separate strategy vault — an independent smart contract. This means:

Strategy funds are isolated from your main wallet balance
Each strategy has its own vault address
You can withdraw from a vault at any time