Crypto has gone mainstream, but the promise of freedom in the digital economy is still unfulfilled.
Wallets are everywhere today. Over 100 million keys have been created by companies that provide embeddable Wallet-as-a-Service (WaaS) to onboard everyday internet users into crypto. This is great news, but there’s an uncomfortable truth no one is talking about.
Most of these wallets are not owned. They are rented.
Apps pay WaaS providers so their users can log in to their wallet. If the app stops paying, the user loses access. If the company changes the rules, is acquired, goes offline, or gets compromised, your access changes with it. This means your assets, your identity, and the digital life you built on top of these providers. Your self-custody becomes whatever the provider allows it to be.
This is a quiet reversion to the old internet model. It is time for something truly new.
Wallet-as-a-Protocol, not a Service
Wallet-as-a-Protocol (WaaP) is a structural inversion of the last decade of crypto onboarding. We have reset how we think about self-custody, identity, and autonomy in the digital economy.
Instead of choosing between the risk of a WaaS company or the burden of traditional self-custody, developers can empower users with wallets that are:
free to create and use
universal and portable across apps and chains
recoverable without seed phrases or trusted guardians
resistant to malware, user error, phishing, blind signing, smart contract exploits and other common attack vectors that plague wallets today
secured by multi-factor-auth that runs on a trustless network of validators not a company
usable anywhere on the internet
This is not another wallet. This is the arrival of a protocol layer built to finally establish a human-centric foundation for digital ownership.
WaaP is designed so that the person, not the platform, becomes the source of trust. Your identity, recovery, and permissions move from corporate infrastructure back to user choice.
Built Different.
A completely new class of capabilities emerge when apps upgrade onboarding to wallets created and secured by a protocol of modules and plug-ins.
1. Protected self-custody
Self-custody is the starting point. WaaP extends it to solve for key loss, cross-chain compatibility, and unsolved attack vectors. A user’s key is split into two. One is derived from human attributes and kept secure by the trustless Human Network. The other is locked by the user in the decentralized Ika network behind pre-set security policies.
2. Practical self-custody
People lose phones, upgrade devices, travel, get hacked, and make mistakes. WaaP doesn’t punish them for being human.
Trustless recovery means:
no seed phrases
no social engineering risk
no reliance on a single device
no vendor lock-in
3. True portability
One wallet.
Everywhere.
Across any chain, app, or even AI system.
This is the universal interface the crypto world has been missing.
4. Powerful Plug-Ins
Private, zero knowledge identity goes where the wallet goes. Devs have embeddable identity verification at their fingertips. Onboarding flows with WaaP can be mixed with:
ZK-KYC
sanctions and AML checks
age, residency or uniqueness proofs
proof of humanity
private transactions bridged to Aztec
All without revealing personal data.
Institutions can finally onboard users with privacy. A breakthrough long overdue in crypto.
5. Delegate Keys Safely to Agents
With WaaP, a person can delegate constrained authority to an AI agent or app. “You may sign this, not that; you may act here, not there.” AI becomes a controlled extension of the human, not a risk to them.
Why Wallet-as-a-Protocol matters now
We are entering a world where:
AI agents transact on behalf of humans
chains specialize and multiply
privacy is under assault from every direction
regulators expect accountability
millions of new people enter crypto through embedded wallets
Old assumptions based on seed phrases, device-centric keys, custodial dependencies, siloed wallets or non-negotiable trade-offs between vendor-lock in and user churn simply cannot support the next billion users while preserving human-centric values.
WaaP is designed for that world. It embeds digital rights into the web without compromise. It gives people the durability of cryptography, the usability of the modern internet, and the dignity of owning their digital lives outright.
WaaP Launches at WalletCon: concept to infrastructure
At WalletCon Argentina, we are releasing production ready scaffolding for a human-aligned internet.
The first WaaP rollout includes:
WaaP SDK
WaaP.build white labeling for devs
Two party computation for trustless security policy execution
Dev recipes for embeddable stablecoin payments, swapping, yield, and more
Embeddable identity verification plug-ins
This marks the beginning of the post-WaaS era and a return to protocol-centered design for critical web infrastructure.
With every click, a willful act of ownership
Wallet-as-a-Protocol is built for a free people.
For people who deserve:
to own their identity
to own their assets
to move across digital spaces without permission
to delegate safely
to recover securely
to express themselves without surveillance
This is the architecture of the human internet. This the internet we should have built from the beginning.
The tools are ready.
The protocol is live.
And the future of self-custody now belongs to the people it was meant to serve.
Welcome to Wallet-as-a-Protocol.
Welcome to the next chapter of crypto.
