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Crypto Wallet Development

Custom crypto wallet solutions for institutions and consumers.

Smart Contract Audits SOC 2 ISO 27001
  • 30+ blockchain projects
  • 7+ years in Web3
  • 96 Clutch reviews
96 reviews 138 reviews 11 reviews 54 reviews 19 reviews 5.0 318+ verified reviews

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Reviewed and updated
Last reviewed July 5, 2026 by Dmytro Nasyrov, Founder and CTO. Content reflects Pharos Production delivery data as of the review date. Editorial policy.
Dmytro Nasyrov - Founder and CTO of Pharos Production

Reviewed by Dmytro Nasyrov

Founder and CTO

23+ years in custom software development. Led 110+ projects across FinTech, healthcare, Web3 and enterprise, ISO 27001-aligned team.

What is crypto wallet development?

Crypto wallet development is the engineering of software that manages private keys, signs transactions and interacts with blockchain networks for users. It covers hot wallets (software, mobile, browser extension), cold wallets (hardware integration), custodial vs non-custodial architectures, multi-signature and multi-party computation (MPC) wallets, account abstraction (ERC-4337) smart contract wallets, multi-chain support, token standards (ERC-20, ERC-721, ERC-1155, SPL on Solana) and DeFi integrations. Production crypto wallets require cryptographic rigor, secure key storage, transaction safety checks, recovery mechanisms and compliance for fiat rails.
Authoritative citations 12 sources
  1. Ethereum Yellow Paper The Ethereum Yellow Paper by Gavin Wood is the canonical formal specification of the EVM, gas accounting and state transition function, referenced by every serious smart contract implementation including the clients Pharos uses for mainnet integrations. ethereum.github.io
  2. EIP-1559 Specification EIP-1559 redefined Ethereum gas pricing with a base fee plus priority tip model, changing how wallets, dApps and L2 gas estimation libraries compute transaction cost, which we apply directly in every wallet we ship. eips.ethereum.org
  3. Consensys Smart Contract Best Practices Consensys maintains the industry-reference smart contract security guide covering reentrancy, integer overflow, front-running, oracle manipulation and upgrade patterns, which we use as a code review checklist on every Solidity audit. consensys.github.io
  4. OpenZeppelin Contracts OpenZeppelin Contracts is the most widely audited open-source Solidity library for tokens, access control, upgrades and governance patterns, and is the default foundation for every Pharos smart contract engagement unless the client has compelling audit evidence for a custom base. docs.openzeppelin.com
  5. Chainalysis Crypto Crime Report The Chainalysis annual crypto crime report quantifies illicit on-chain activity across ransomware, sanctions evasion, DeFi exploits and stolen funds, and we use the underlying methodology to calibrate AML screening thresholds in wallet and exchange integrations. chainalysis.com
  6. Trail of Bits Smart Contract Audits Trail of Bits public smart contract audit reports document real-world findings across DeFi protocols, DAOs and NFT infrastructure, and we read every published report to extend our own internal audit checklist with emerging attack patterns. github.com
  7. EEA Enterprise Ethereum Specification The Enterprise Ethereum Alliance specification defines permissioned network, privacy and performance requirements that inform our architecture for enterprise chain engagements running variants of Besu, Quorum and Hyperledger Besu. entethalliance.org
  8. Solidity Documentation The Solidity language documentation is the authoritative source for syntax, compiler behaviour, gas costs and breaking changes across versions, which we track carefully because upgrade cycles from 0.8.x to 0.9.x affect every contract in production. docs.soliditylang.org
  9. L2Beat L2Beat tracks total value locked, security assumptions and maturity of Ethereum layer-2 networks, which we consult when recommending between Arbitrum, Optimism, Base, zkSync and Starknet for client dApps based on throughput and trust requirements. l2beat.com
  10. DeFi Pulse DeFi Pulse publishes total value locked and protocol-level metrics across lending, DEX, derivatives and yield protocols, useful for benchmarking liquidity assumptions when designing DeFi integrations that depend on oracle prices or pool depth. defipulse.com
  11. Hardhat Documentation Hardhat is the de-facto Ethereum development environment with built-in console, mainnet forking and plugin ecosystem, and is the base harness we use to ship every Solidity project with deterministic tests and gas snapshots. hardhat.org
  12. NIST Post-Quantum Cryptography NIST is finalizing post-quantum cryptographic standards including CRYSTALS-Kyber and Dilithium that will eventually replace current ECDSA signatures, and we monitor the migration timeline closely for clients running long-lived on-chain assets. csrc.nist.gov
What we do not do
  • Wallet products without legal counsel on licensing (money transmitter, e-money, VASP)
  • Seed phrase-only consumer wallets without a recovery strategy (users will lose funds)
  • Custom signing code without an audited cryptography library as the base
  • Wallet products without jurisdictional analysis for fiat on-ramp integration

Crypto wallet development at Pharos Production at a glance

  • Wallets shipped: 8+ production crypto wallets since 2019 (mobile, browser extension, MPC institutional, embedded AA)
  • Custody models: Non-custodial, custodial (with licensed partners), MPC (2-of-3 threshold), account abstraction smart contract wallets
  • Stack: Swift/Kotlin mobile, React Native, TypeScript, Rust, libsecp256k1, noble-crypto, tss-lib, Fireblocks SDK, ERC-4337 bundlers
  • Chains: Ethereum, Polygon, Arbitrum, Optimism, Base, BSC, Avalanche, Solana, TON, Cosmos
  • Pricing: Wallet MVP $80,000-$180,000; full product $180,000-$500,000+; retainers from $10,000/month
  • Timeline: Discovery + threat model 3-5 weeks; MVP 10-16 weeks; production with external audit 5-9 months
  • Security: Audited cryptography libraries only (no custom signing), Secure Enclave/Keystore integration, external audit, responsible disclosure program
  • Honest scope: We recommend WalletConnect for most dApps and decline seed-phrase-only consumer wallets

Custom wallet vs embedded wallet (Privy, Dynamic, Web3Auth): which is better?

Custom wallets give you branded UX, proprietary features and full control over the key architecture, while embedded wallet providers (Privy, Dynamic, Web3Auth, Magic) ship in days with social login, account abstraction and managed infrastructure. According to 2024 Web3 onboarding research, embedded wallets reduce first-transaction drop-off by 4-8x compared to self-managed wallets for non-crypto-native users.

Factor Custom wallet build Embedded wallet (Privy / Dynamic)
Branded UX Full control over every screen, flow and interaction Branded shell over provider UI; limited customization
Time to launch 10-16 weeks for production MVP + external audit 1-2 weeks for basic integration
Features Any feature you can engineer (multi-sig, spending limits, session keys) Limited to provider feature set; custom features not supported
Cost (year 1) $80,000-$500,000+ build + audit + infrastructure $0-$2,500/month + per-user fees
Security Your responsibility; external audit required Provider security; typically SOC 2 + audited
Custody model Full choice: non-custodial, MPC, custodial Provider-defined; usually MPC-based non-custodial
Lock-in None; you own the code Provider lock-in on keys, users and data
Best fit Branded wallets, institutional custody, differentiated features dApps needing onboarding, Web3 products for non-crypto users

Our wallet security and UX process

Crypto wallet projects follow Pharos Verified Delivery with wallet-specific gates: discovery includes threat modeling, custody model decision (custodial, non-custodial, MPC) and recovery design; build includes audited crypto libraries (no custom signing), secure enclave integration and transaction safety checks; production readiness covers external security audit plus a responsible disclosure program; support includes monitoring, crypto event response and OTA update infrastructure.

Pharos Verified Delivery 4-phase methodology with typical durations and deliverables
  1. Phase 01 / 04

    Paid Discovery

    2-4 weeks
    • Technical validation
    • Architecture proposal
    • Scope refined estimate
    82% on-schedule with discovery
  2. Phase 02 / 04

    Iterative Build

    2-week sprints
    • Working demos every sprint
    • CTO review at milestones
    • ADRs documented
    Transparent progress tracking
  3. Phase 03 / 04

    Production Readiness

    • Monitoring and alerting
    • Security audit Pen test
    • Runbooks and rollback
    ISO 27001 aligned
  4. Phase 04 / 04

    Support

    Ongoing
    • Security patches
    • Performance tuning
    • 4h SLA response
    Continuous improvement

Pharos Verified Delivery applied to 110+ production applications since 2013

Wallets in production

Three wallet engagements covering custody models, multi-chain and account abstraction. All cryptography uses audited libraries.

Multi-chain mobile wallet Q3 2024 · Crypto wallet, global
Before

Single-chain wallet supporting only Ethereum. Custom bridge integrations took 8-12 weeks each. Users left for multi-chain alternatives.

After

Unified backend supporting 7+ EVM chains plus Solana. New chain integration in 1-2 weeks via abstraction layer. Wallet retention up 38%.

The chain abstraction layer normalizes RPC calls, fee estimation, nonce handling and transaction signing. New chain support is now a config file plus a chain-specific adapter - not a rewrite of the wallet core.

MPC wallet migration Q1 2025 · FinTech crypto app, US
Before

Seed phrase-only consumer wallet. Monthly support tickets about lost phrases growing 15% per month. 2.8% of users abandoned wallet due to recovery anxiety.

After

MPC wallet (Fireblocks-style 2-of-3 threshold signature) with social recovery. Lost-phrase tickets dropped 97%. User retention up 24%. No custody liability - users still hold a share.

MPC gives the UX of custody (no seed phrase) with the ownership properties of non-custody (user always holds at least one share). The third share held by Pharos infrastructure is useless alone and requires the user to initiate recovery.

Account abstraction wallet Q2 2025 · Consumer Web3 product, EU
Before

Externally-owned-account (EOA) wallet requiring users to manage gas tokens on every supported chain. 40% drop-off on first transaction due to "I do not have ETH" errors.

After

ERC-4337 smart contract wallet with paymaster-sponsored gas + session keys. First-transaction drop-off reduced to 6%. Users onboard via email social login and execute their first transaction without holding any native token.

The paymaster sponsors gas for new users on their first 5 transactions; after that, users can pay gas in the app token or any ERC-20. Session keys let the app execute pre-approved transactions without a user signature popup for every action.

Client names anonymized under NDA. Full case studies at /cases/.

When a custom crypto wallet is not the answer

We decline roughly 30% of RFPs we receive. Forcing a bad fit costs both sides 3-6 months and damages outcomes. Here is how we think about scope:

Projects we decline
  • Products where WalletConnect + existing wallets (MetaMask, Rainbow, Phantom) would ship in days
  • Wallet products without legal counsel on licensing requirements
  • Seed phrase-only consumer wallets without a recovery strategy
  • Custom signing code without an audited cryptography library base
  • Wallet products that use custom crypto primitives (always use audited libraries)
We recommend WalletConnect or existing wallets when they fit

For most dApps and Web3 products, WalletConnect with existing wallets (MetaMask, Rainbow, Phantom, Trust Wallet) ships in days and leverages the security posture of wallet teams with dedicated audit budgets. Custom wallet development makes sense when you need: a branded wallet with differentiated UX, embedded wallets for non-crypto-native users (Privy, Dynamic, Web3Auth), MPC custody for institutional users or wallet features that existing wallets do not support (social recovery, spending limits, multi-sig).

Pharos original research

Wallet security background

How to Choose a Blockchain Development Company Founder-grade evaluation guide covering security expertise, multi-chain experience and red flags to avoid when picking a wallet development partner. Continue reading

Pharos Production crypto wallet portfolio observations

Observations from 14 wallet engagements delivered 2020-2026 across self-custodial, MPC-custodial and enterprise treasury wallets.

  • Wallets with transaction simulation shipped with 3.8x fewer post-launch approval-phishing incidents than wallets without in our sample.

  • MPC-based recovery reduced user-reported "lost wallet" support tickets by 71 percent versus seed-phrase wallets in matched cohorts.

  • Social recovery flows needed 3 iterations on average before non-technical users achieved 90 percent completion.

  • Teams of 4 to 7 engineers plus 1 security reviewer shipped wallet MVPs to public beta in 14 to 20 weeks across 9 engagements.

Observations reflect the Pharos Production crypto wallet portfolio 2020-2026 and do not generalise beyond surveyed engagements.

Crypto wallet outlook 2026-2027

Wallet engineering in 2026 is shaped by three forces: account abstraction (ERC-4337) going mainstream, MPC-based custodial flows replacing seed-phrase self-custody for mass-market apps and the first wave of post-quantum cryptography proposals reaching serious research. Wallet UX remains the single biggest adoption lever.

  • EIP-4337 account abstraction adoption surpassed 15 million smart accounts across Ethereum L2s by Q4 2024, shifting UX from seed phrases to social recovery[2].

  • Chainalysis 2024 Crime Report attributes 74 percent of wallet losses to phishing and seed-phrase compromise; MPC and social-recovery architectures close the largest loss vectors[5].

  • OpenZeppelin and Trail of Bits publish growing catalogues of smart-account implementation pitfalls; audit coverage is now table stakes for custodial claims[4][6].

  • L2Beat data confirms over 70 percent of wallet transactions now settle on L2 rollups; multi-chain UX is the default, not a feature[9].

How to evaluate a crypto wallet before public launch

Before publishing a wallet to iOS, Android or browser extension stores, run this 8-point gate. Anything below 7 passing is a pre-release wallet, not a production one.

  1. Key custody model documented

    Clear statement of self-custodial, custodial or MPC split; recovery flows documented in-product.

  2. Security audit coverage

    Smart-account and recovery contracts audited by 2 independent firms with public report[4].

  3. Phishing resistance

    Domain binding, transaction simulation and clear signing implemented, tested against Chainalysis attack replay dataset[5].

  4. Multi-chain support

    At minimum Ethereum mainnet plus 2 L2s (Arbitrum, Base or Optimism); Solana or Cosmos optional[9].

  5. Account abstraction support

    EIP-4337 bundler plus paymaster integration on at least 1 L2.

  6. Recovery UX

    Social, MPC or hardware recovery flow tested with 10 non-technical users, 90 percent completion rate.

  7. Regulatory compliance

    Jurisdictional analysis documented; FATF Travel Rule integration for custodial flows.

  8. Performance

    Transaction signing under 2 seconds, balance refresh under 3 seconds on 4G mobile.

Wallet launches below 7 of 8 consistently produce remediation cycles in audit or app-store review.

Lesson from production: the clear-signing gap

A customer-owned DeFi wallet launched in 2023 with strong signing UX on native tokens but delegated ERC-20 approvals to raw hex display. Within 4 weeks of launch, 17 wallets signed malicious "unlimited approval" transactions through a phishing dApp pretending to be a yield aggregator. Root cause: signing UX explained ETH amounts clearly but rendered approval calls as opaque data. We shipped transaction simulation (pre-execution preview of token transfers), human-readable ABI decoding and a red-banner warning on unlimited approvals. In the next 12 months, zero further approval-phishing losses in our analytics sample. The lesson: every ABI call seen by the wallet needs a human-readable preview, not just native transfers.

Custody and regulatory boundaries
Pharos Production builds crypto wallet software. We do not hold money transmitter, VASP or e-money licenses. Regulatory compliance for custodial wallets, fiat on-ramps and jurisdictional coverage is the client legal responsibility. Private key management carries residual security risk that cannot be fully eliminated by software alone.

Published record

Published Pharos research

Technical articles, comparison guides and methodology deep-dives we write from our own delivery experience.

Platforms we work with

Trusted by Coinbase, Consensys, Core Scientific, MicroStrategy, Gate.io and 10+ more Web3 and enterprise platforms

16+ partners

Our 16 technology partners include:

  • Consensys
  • Gate Io
  • Coinbase
  • Ludo
  • Core Scientific
  • Debut Infotech
  • Axoni
  • Alchemy
  • Starkware
  • Mara Holdings
  • MicroStrategy
  • Nubank
  • Okx
  • Uniswap
  • Riot
  • Leeway Hertz
  • Consensys
  • Gate Io
  • Coinbase
  • Core Scientific
  • Debut Infotech
  • Axoni
  • Alchemy
  • Starkware
  • Mara Holdings
  • MicroStrategy
  • Nubank
  • Okx
  • Uniswap
  • Riot
  • Leeway Hertz

Crypto wallet solutions we build

  • Multi-chain HD wallets
    Hierarchical deterministic wallet architecture supporting Ethereum, Bitcoin, Solana, Polygon and L2 networks. Key derivation, backup/recovery and transaction signing.
  • Institutional custody solutions
    Multi-signature wallets with approval workflows, cold/hot storage segregation, policy engine for spending limits and audit logging for compliance.
  • Consumer wallet apps
    Mobile-first wallet applications with biometric auth, QR payments, token swap, staking interface, NFT gallery and push notifications for transaction confirmations.

About the founder and CTO

Dmytro Nasyrov

Dmytro Nasyrov

Founder and CTO Pharos Production

Ask the founder a question

I design and build reliable software solutions - from lightweight apps to high-load distributed systems and blockchain platforms.

PhD in Artificial Intelligence, MSc in Computer Science (with honors), MSc in Electronics & Precision Mechanics.

  • 13 years in architecture of great software solutions tailored to customer needs for startups and enterprises

  • 23 years of practical enterprise customized software production experience

  • Lecturer at the National Kyiv Polytechnic University

  • Doctor of Philosophy in Artificial Intelligence

  • Master’s degree in Computer Science, completed with excellence

  • Master’s degree in Electronics and precision mechanics engineering

Choose your cooperation model

Pharos Production offers three project models, MVP, Full-fledged Production and Full-cycle Development, priced from $10,000 to $80,000. An MVP prototype takes about 3 months.

Launch
Smart contract launch

Audited single-chain contract or module with deployment, verification and documentation.

$20,000 - $45,000
Popular choice
Protocol
Protocol build

Multi-contract protocol, indexers, dApp frontend and full security review.

$40,000 - $80,000
Ecosystem
Full ecosystem

Cross-chain architecture, token economics, governance, audits and ongoing support.

$95,000 - $210,000

Prices vary based on project scope, complexity, timeline and requirements. Hourly rates range from $35 to $75 depending on role and seniority. Contact us for a personalized estimate.

Interaction models for staff augmentation, dedicated teams and outsourcing

Request staff augmentation

Need extra hands on your software project? Our developers can jump in at any stage - from architecture to auditing - and integrate seamlessly with your team to fill any technical gaps.

Popular choice

Hire dedicated experts

Whether you’re building from scratch or scaling fast, our engineers are ready to step in. You stay in control, and we handle the code.

Outsource your project

From first line to final audit, we handle the entire development process. We will deliver secure, production-ready software, while you can focus on your business.

37+ technologies

Technologies, tools and frameworks we use

Our engineers work with 37+ blockchains technologies - chosen for production reliability and performance.

Blockchains

Private and Public Blockchains 33

Ethereum
Ethereum
TON
TON
Corda
Corda
Tron
Tron
Hedera
Hedera
Stellar
Stellar
Consensys GoQuorum
Consensys GoQuorum
Solana
Solana
Arbitrum
Arbitrum
Binance Smart Chain (BSC)
Binance Smart Chain (BSC)
Sei
Sei
Celo
Celo
Hyperledger
Hyperledger
MultiversX
MultiversX
IOTA
IOTA
Polkadot
Polkadot
Aptos
Aptos
Neo
Neo
Flow
Flow
Algorand
Algorand
Avalanche
Avalanche
EOS
EOS
Optimism
Optimism
Polygon
Polygon
Cosmos
Cosmos
Sui
Sui
Tezos
Tezos
Ontology
Ontology
Fantom
Fantom
NEAR Protocol
NEAR Protocol
VeChain
VeChain
Base
Base
IPFS
IPFS

Cloud Blockchain Solutions 4

Amazon Managed Blockchain
Amazon Managed Blockchain
Amazon QLDB
Amazon QLDB
IBM Blockchain
IBM Blockchain
Oracle Blockchain
Oracle Blockchain
Trusted & Certified

Partnerships and awards

Recognized on Clutch, GoodFirms and The Manifest for software engineering excellence

  • Partner1
  • Partner2
  • Partner3
  • Partner4
  • Partner5
14+ industry awards
Related guides: How to Choose a Blockchain Company How We Build Blockchain

An approach to the development cycle

The Pharos Delivery Framework divides every project into 2-week sprints. After each sprint we hold a retrospective, deliver a progress report and plan the next sprint. This methodology is why agile projects are 3x more likely to succeed than waterfall (Standish Group CHAOS Report, 2024).

  1. Team Assembly

    Our company starts and assembles an entire project specialists with the perfect blend of skills and experience to start the work.

  2. MVP

    We’ll design, build and launch your MVP, ensuring it meets the core requirements of your software solution.

  3. Production

    We’ll create a complete software solution that is custom-made to meet your exact specifications.

  4. Ongoing

    Continuous Support

    Our company will be right there with you, keeping your software solution running smoothly, fixing issues and rolling out updates.

Proven Results

Ludera.io. MiCA Compliance Operations Layer

Ludera.io closes the operational gap between risk detection and defensible action, giving MiCA-era exchanges one flexible, auditable process across detection,…

Ludo. Reputation platform of Web3

Real-time reputation scoring across 5+ blockchains

Dostyq. Loyalty Platform.

Grew throughput from 80k to 2.4M daily transactions and cut settlement latency from 45 minutes to 90 seconds. Measured against…

GridTradeX. Crypto Prediction Game.

Cut order-to-ack p99 latency from 14ms to 2.8ms and reduced backtesting time on 1 year of tick data from 4.5…

Crypto wallet insights

A translucent coin suspended by a taut blue thread anchored to a dollar anchor on a pale surface, visualising the stablecoin peg.
Engineering

How Crypto Works. Stablecoins

Stablecoins are cryptocurrencies whose rate is stabilized by being tied to the value of tangible assets. The most famous example is the USDT token, worth $1. These tokens are convenient for mutual settlements since the value of other cryptocurrencies tends to change unpredictably and significantly over time. In addition to dollars, such tokens can be backed by precious metals, oil, or other cryptocurrencies. Sometimes, they are not supported by anything, but the increase and decrease of the money supply in circulation is controlled by intelligent contract algorithms, which ensures their relatively stable rate.

Dmytro Nasyrov 21 min read
Read
Isometric exploded view of five translucent glass layers representing infrastructure, protocol, smart contract, dApp and interface tiers of a Web3 stack.
Engineering

Guide to the Web3 Stack for Developers in 2026

This guide breaks down the Web3 development stack in 2026 and explains how modern teams choose blockchain tools that hold up in production. You will learn how wallets, smart contracts, nodes, indexing, storage and observability fit together and what tradeoffs developers should consider for security, performance and cost. Use it as a practical reference for planning architecture and shipping reliable Web3 applications.

Dmytro Nasyrov 21 min read
Read
A horizontal chain of translucent glass hexagons extending into soft depth of field with a blue highlight on the middle block.
Engineering

Blockchain Development Timeline: How Long Each Project Takes

How long does blockchain development take? Blockchain development timelines range from 2 weeks for simple token contracts to 12+ months for complex multi-chain ecosystems. The timeline depends on smart contract complexity, security requirements, number of chain integrations and regulatory compliance needs. Timeline by project type Simple token contracts (ERC-20, ERC-721) take 2-4 weeks including testing […]

Dmytro Nasyrov 2 min read
Read
View all articles
Skip glossary

Crypto wallet glossary 6

Custodial vs non-custodial
A custodial wallet holds the user's private keys (you are responsible for security and often licensing); a non-custodial wallet leaves keys with the user. The choice shapes security, UX and regulation.
Private key / seed phrase
The secret that controls a wallet's funds. Protecting it - through secure storage, MPC or hardware - is the single most important job of any wallet.
MPC (multi-party computation)
A technique that splits a private key into shares held by different parties, so no single point holds the whole key - improving security and recovery for modern wallets.
Multi-signature (multisig)
A wallet that requires several keys to approve a transaction, used for shared treasuries and added security so one compromised key cannot move funds.
Account abstraction
A newer model that makes wallets programmable - enabling gasless transactions, social recovery and spending rules - for a far smoother user experience.
Travel Rule
A regulatory requirement that originator and beneficiary information travel with crypto transfers between providers, which custodial wallets and exchanges must support.

Frequently asked questions about Crypto Wallet Development

Last updated:

  • Copy link Copies a direct link to this answer to your clipboard.

    For most dApps, WalletConnect with existing wallets (MetaMask, Rainbow, Phantom) is the right call - it leverages wallet teams with dedicated audit budgets and ships in days. Build a custom wallet when you need: branded UX as a differentiator, embedded wallets for non-crypto-native users, MPC for institutional custody or features that existing wallets do not support. Most engagements we do are embedded wallets for consumer Web3 products where wallet friction would kill adoption.

  • Copy link Copies a direct link to this answer to your clipboard.

    Non-custodial (user holds the key): maximum security and regulatory simplicity, highest UX friction. MPC 2-of-3 threshold (user holds one share, provider holds one, backup holds one): no seed phrase for the user, no custody liability for the provider, social recovery possible. Account abstraction smart contract wallets (ERC-4337): programmable custody with session keys, spending limits, multi-sig. Custodial (provider holds the key): requires money transmitter or VASP licensing. We design for your users and regulatory posture.

  • Copy link Copies a direct link to this answer to your clipboard.

    Audited cryptography libraries only (libsecp256k1, noble-crypto, tss-lib) - never custom signing code. Mobile wallets use Secure Enclave (iOS) or Keystore (Android) for key storage. Hardware wallet integration via Ledger Live SDK or Trezor Connect. MPC wallets distribute key shares across infrastructure + user device. Web wallets use encrypted localStorage with password-derived keys. Every design choice is documented in an ADR the client owns.

  • Copy link Copies a direct link to this answer to your clipboard.

    Wallet MVP 10-16 weeks: 3-5 weeks discovery + threat model + custody design, 5-8 weeks build (mobile/web + signing + chain integration + UI), 2-4 weeks production hardening and external audit prep. Production wallet with MPC, account abstraction, multi-chain and fiat on-ramps: 5-9 months including external audit cycle. External audits add 4-8 weeks on top of the build timeline.

  • Copy link Copies a direct link to this answer to your clipboard.

    Wallet MVP $80,000-$180,000 (basic single-chain, non-custodial, mobile or web). Production wallet $180,000-$500,000+ (multi-chain, MPC or AA, fiat on-ramps, hardware wallet integration, mobile + extension). External audit $40,000-$150,000 depending on firm and complexity. Ongoing retainer from $10,000/month for infrastructure, monitoring and security updates.

  • Copy link Copies a direct link to this answer to your clipboard.

    Yes. Ramp, MoonPay, Transak, Circle, Coinbase Pay for fiat-to-crypto; Ramp and MoonPay for crypto-to-fiat.

    KYC and compliance handled by the provider - Pharos does not hold money transmitter licenses. Jurisdictional availability varies by provider; we scope coverage during discovery based on the client’s target markets.

  • Copy link Copies a direct link to this answer to your clipboard.

    Yes. Manifest V3 extensions for Chrome, Firefox, Safari and Edge with secure communication channels, content script injection for dApp interactions, EIP-1193 provider implementation and hardware wallet support.

    Browser extensions are more complex than mobile wallets because of the sandbox model and dApp attack surface; we treat the content script as untrusted and the background script as the security boundary.

  • Copy link Copies a direct link to this answer to your clipboard.

    We decline wallet products without legal counsel on licensing, seed-phrase-only consumer wallets without a recovery strategy, custom signing code without audited libraries, products using custom crypto primitives and projects where WalletConnect + existing wallets would solve the actual problem. We also decline custodial wallet work without a sponsor-licensed entity taking responsibility for the regulatory obligations.

The Pharos takeaway on crypto wallets

Crypto wallet engineering in 2026 is measurable: custody model clarity, audit coverage, phishing resistance, multi-chain UX and EIP-4337 readiness. Pharos Production builds wallets that pass public audit, app-store review and real-user attack simulation before public launch.

Dmytro Nasyrov, Founder and CTO at Pharos Production
Dmytro Nasyrov Founder & CTO Let’s work together!

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  3. Plan the Goals

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  4. Finalize the Details

    Let’s connect on Google Meet to go through the proposal and confirm all the details together!

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  5. Sign the Contract

    As soon as the contract is signed, our dedicated team will jump into action on your project!

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Our offices

Headquarters in Las Vegas, Nevada. Engineering office in Kyiv, Ukraine.

We also work with clients through dedicated local teams in Las Vegas, New York and San Francisco.

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Engineering office EET (UTC+2)
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