MPC Wallet-as-a-Service for Secure, Scalable Digital Asset Infrastructure

MPC Wallet-as-a-Service (WaaS) is a distributed key wallet infrastructure platform that enables secure digital asset custody, signing, and transaction orchestration without centralized private key storage or in-house wallet engineering.

Digital asset platforms cannot afford key compromise, brittle routing logic, or operational drag.

Our MPC Wallet-as-a-Service platform combines:

• Distributed MPC-based signing
• Full private key ownership
• Automated deposit and withdrawal orchestration
• Institutional-grade governance enforcement
• Integrated identity and compliance controls

Instead of building nodes, approval engines, and transaction pipelines internally, teams integrate production-grade wallet infrastructure through modular APIs while retaining cryptographic control of signing authority.

MPC eliminates single points of failure by distributing key material across independent signing parties. No complete private key is ever reconstructed. No centralized custody risk is introduced.

The result:

• Infrastructure-level security
• Operational scalability
• Governance enforced by policy

The Architecture of Our MPC Wallet Infrastructure

Our platform is built as a modular infrastructure stack powered by MPC at its core.

Wallet-as-a-Service (WaaS) is more than a set of APIs. It's a layered architecture that abstracts the operational complexity of secure digital asset management while preserving full key ownership for the business. Instead of running nodes, building routing logic, managing approvals, handling compliance checks, and maintaining a 24/7 operations surface, teams plug into an infrastructure layer that performs these functions reliably and predictably.

Under the hood, modern WaaS architectures are built on four interconnected layers:

1. Key Ownership Layer (Non-Custodial Foundation)

The first principle of modern WaaS is non-custodial wallet infrastructure: you control signing authority while the provider runs orchestration.

In practice, our MPC wallet infrastructure enforces approvals cryptographically through threshold signing and policy rules, so operational burden is offloaded without introducing custodial risk.

This layer includes:

• Deterministic key generation
• Secure key storage (HSM, MPC, Multisig or client-controlled modules)
• Signing request flows
• Signature verification
• Policy-based signing rules
• Key rotation and lifecycle governance
• Tamper-proof authorization trails

In practice, this means:

• The WaaS provider cannot move funds.
• The business controls final signing authority.
• Approvals remain enforceable through policy rather than trust.

👉 Read more about MPC vs Multisig Wallets here

2. Wallet Operations Layer (Deposits + Withdrawals)

This is the “engine room” of any wallet system — the part that becomes operationally overwhelming to maintain in-house as you scale.

Deposits (Inbound Flow)

The deposit pipeline typically includes:

• On-demand deposit address generation
• Metadata labeling (user, account, transaction context)
• Digital signature verification on addresses
• Blockchain transaction detection
• Auto-collection (“sweeping”)
• Hot/cold routing
• Balance reconciliation
• Real-time callbacks/webhooks

Modern WaaS platforms automate deposits end-to-end. CoinGet is our deposit orchestration engine: it handles address generation, chain monitoring, confirmations, sweeping, routing, and webhooks as a single workflow. This removes brittle scripts and node-specific logic that usually accumulate in in-house digital asset wallet infrastructure.

Withdrawals (Outbound Flow)

Withdrawals are more complex because they involve:

• Risk policies
• Spending limits
• Approval requirements
• Fee management
• Transaction construction
• Signing flows
• Broadcast and propagation
• Status monitoring
• Retry and error-handling logic

A WaaS platform standardizes these workflows so teams can maintain consistent governance across chains and transaction types.

CoinSend standardizes transaction construction, fee logic, broadcasting, and monitoring—while CoinSign enforces multi-tier approvals and tamper-evident authorization trails. As an MPC wallet provider, we treat governance as a first-class security control, not an admin UI feature.

3. Governance + Approval Layer (Security + Control)

This layer ensures no transaction — no matter how urgent, small, or large — bypasses policy.

Modern WaaS governance includes:

• Multi-level approval rules
• Threshold-based transaction policies
• Role-based access controls
• Device-agnostic approval flows (mobile, browser extensions, desktops)
• Tamper-proof digital signatures
• Full authorization trails
• Multi-party authentication when required

In other words, governance is codified, not improvised.

Platform examples like CoinSign use RSA or HMAC-SHA256 to guarantee approval authenticity and integrity. These techniques are industry-standard in modern WaaS environments.

This layer is what eliminates internal fraud risk, credential misuse, and unauthorized movement of funds.

4. Identity, Compliance & Fraud Layer (User Trust Infrastructure)

As digital asset platforms matured, wallet operations and identity workflows became inseparable. Today, real-world WaaS providers integrate:

• KYC onboarding
• ID document extraction (OCR)
• Liveness checks
• Facial recognition
• Duplicate-account detection
• Sanctions/blacklist screening
• Fraud risk scoring
• Case management workflows
• Audit-ready logging

This means teams no longer need to stitch together separate KYC vendors, fraud systems, and risk review tools. The WaaS layer becomes the trust framework that governs both transactions and users.

Modules such as CoinFace illustrate this kind of consolidated KYC/AML capability: document OCR, liveness, facial matching, blacklist screening, and fraud checks — delivered through one integrated pipeline.

The Business Case: Why WaaS Is Becoming the Default Model (Concise + Numbers-Driven)

Even well-funded engineering teams now outsource wallet infrastructure to WaaS providers — not because they can’t build it, but because the economics, security pressure, and operational overhead make in-house systems a long-term liability.

Here’s the concise, data-backed explanation of why WaaS has become the preferred model.

1. Security Risk Outpaces In-House Capabilities

Attacks on wallet infrastructure are accelerating:

• In the first half of 2025, US $2.17B was stolen from crypto services.
• US $1.71B of that came from wallet-related compromises across 34 incidents.

These losses overwhelmingly stem from:

• key mismanagement
• insufficient signing controls
• weak approval models
• brittle transaction pipelines

WaaS platforms reduce this risk by providing pre-hardened security architecture, including managed key flows, tamper-proof approvals, and continuous monitoring — capabilities most teams cannot maintain internally at the same rigor.

2. In-House Wallet Development Is Expensive — and It Doesn’t End at Launch

Industry analyses show:

• Basic wallet builds often cost US $30K–$60K
• Non-custodial, multi-chain, or compliance-ready builds frequently exceed US $200K+
• These numbers exclude security audits, on-call support, and continuous chain integration

And unlike a one-time project, a wallet engine is a permanent workload:

• Every new chain → new integration
• Every protocol update → new maintenance
• Every compliance change → new workflows
• Every security incident → new engineering cycles

The true cost grows linearly — or worse — with scale.

3. Operational Load Increases Faster Than Headcount Can Keep Up

Even well-built internal systems eventually drown under:

• transaction-volume growth
• multi-chain complexity
• regulatory and reporting expectations
• audit and compliance obligations

As a result, teams gradually shift from building product features to:

• monitoring transactions
• managing incidents
• enforcing approvals
• reconciling balances
• responding to user escalations

WaaS replaces this operational drag with:

• automated deposit/withdrawal orchestration
• standardized approval flows
• built-in routing, risk, and fee logic
• 24/7 monitoring and alerts
• auditable event trails

Outcome: higher uptime and lower staffing needs — without sacrificing control.

4. WaaS Improves Time-to-Market as Much as It Reduces Cost

A full wallet build takes months, sometimes even quarters.

A WaaS integration takes days or weeks.

That difference determines:

• speed of product launches
• competitive parity
• market responsiveness
• revenue acceleration

For PMs, this isn’t simply an infrastructure decision — it’s a go-to-market multiplier.

For CTOs, it’s a resource allocation win that avoids turning engineering teams into perpetual wallet maintenance squads.

Use Cases for MPC Wallet-as-a-Service

Our MPC wallet infrastructure supports multiple high-scale environments.

Digital Asset Custody

Institutional platforms require segregated control, role-based approvals, and audit-ready governance.

MPC-secured wallet infrastructure enables regulated digital asset custody without surrendering key ownership.

👉 Learn more about digital asset custody solutions

Stablecoin Infrastructure

Stablecoin issuers and platforms require:

• Secure mint and burn control
• Treasury routing
• Governance enforcement
• Compliance workflows

Our MPC wallet architecture supports stablecoin custody and issuance infrastructure.

👉 Explore stablecoin wallet infrastructure

Crypto Treasury Management

Corporate treasury teams require:

• Multi-manager approval flows
• Value-based transaction thresholds
• Liquidity visibility
• Audit trails

MPC-based wallet governance supports enterprise crypto treasury management.

👉 See how crypto treasury infrastructure works

Exchanges & Fintech Platforms

High-volume environments benefit from:

• Automated deposit detection
• Policy-driven withdrawals
• Multi-chain orchestration
• Integrated risk checks

For exchanges and fintech products, this enables fast deployment of an embedded MPC wallet experience without turning your engineering team into a 24/7 wallet ops group.

You integrate the MPC wallet platform via APIs, keep control of signing authority, and scale across chains with consistent policies.

MPC Wallet-as-a-Service vs Building In-House

Building internally requires:

• Dedicated blockchain engineering
• Security architecture expertise
• Governance engine design
• Continuous monitoring
• Compliance integration
• On-call operational coverage

Internal wallet builds frequently exceed six-figure costs, excluding long-term maintenance.

MPC Wallet-as-a-Service:

• Deploys in weeks
• Standardizes governance
• Reduces infrastructure headcount growth
• Improves audit readiness
• Eliminates long-term operational drag

👉 In-depth comparison of MPC WaaS vs building in-house

MPC WaaS: Compliance & Regulatory Readiness

Modern wallet infrastructure must align with evolving regulatory expectations:

• KYC / AML enforcement
• Transaction monitoring
• Sanctions screening
• Role-based access controls
• Audit logging
• Travel Rule considerations
• MiCA-related custody obligations

Our MPC Wallet-as-a-Service integrates governance and compliance directly into signing and transaction workflows.

👉 Read more about MiCA and DAC8 compliance here

How to Evaluate an MPC WaaS Partner

Before diving into the evaluation criteria, it may help to understand how the market is structured today. We cover the landscape in our guide to the top Wallet-as-a-Service providers, including how custodial and non-custodial models differ across vendors.

Before choosing a provider, validate:

1. Key Ownership

• Are keys client-controlled?
• Can the provider move funds independently?

2. Security Transparency

• How does signing flow?
• How are policies enforced?
• Are logs tamper-proof?

3. Operational Maturity

• Multi-chain redundancy?
• Reorg handling?
• Withdrawal latency benchmarks?
• Incident response structure?

4. Governance Depth

• Threshold rules?
• Multi-tier approvals?
• Policy-based signing enforcement?

5. Integration Flexibility

• Modular APIs?
• Standards-based signing?
• Clean migration path?

If these answers are unclear, the platform is not infrastructure-grade.

👉 Get the in-depth checklist here

Frequently Asked Questions

Is this custodial or non-custodial?

Private keys remain under client control while automation is handled by the infrastructure layer.

How is MPC different from multi-signature wallets?

MPC distributes key material itself rather than requiring multiple complete keys.

Does this support stablecoins and multi-chain assets?

Yes. The infrastructure is chain-agnostic.

How long does integration take?

Most teams deploy core wallet operations within weeks.

Is this suitable for institutional treasury or custody?

Yes. Governance layers support multi-manager and value-based policies.

Deploy MPC-Secured Wallet Infrastructure

You don’t have to choose between control and operational efficiency.

MPC Wallet-as-a-Service allows you to retain private key sovereignty while eliminating the burden of running wallet infrastructure internally.

Security without centralization.

Scalability without engineering drag.

Governance without improvisation.

👉 Request a Technical Architecture Demo