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This section is dedicated to explaining the architecture of Dynamic Embedded Wallets and how they work. For more information on how to add embedded wallets to your app, check out our implementation guides.
An embedded wallet functions like a powerful web-based account. It is a programmable crypto wallet that can be seamlessly issued to users within your website or app. With an embedded wallet, users can instantly receive tokens and interact onchain without needing to download an external wallet like MetaMask or Phantom. Dynamic’s embedded wallets support a wide range of use cases, from simplifying onboarding on your site to serving as the foundation for building a full-stack wallet experience.
A full stack wallet is a wallet that is not just a simple interface for users to interact with, but also a wallet that can be used to build your own custom wallet features.

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Secured By TSS-MPC

For a deeper dive into MPC, check out our blog post on Threshold Signature Scheme Multi-Party Computation (TSS-MPC).
Dynamic wallets are powered by a form of Multi-Party Computation (MPC) that leverages Threshold Signature Schemes (TSS). This TSS-MPC approach represents the next generation of wallet security and user experience. Unlike traditional wallets where a single private key creates a single point of failure, TSS-MPC generates cryptographic key shares that collectively enable signing operations without ever constructing a complete private key. This approach offers several key benefits:
  • Enhanced Security: With TSS-MPC, a complete private key never exists, significantly reducing the risk of theft or compromise. This removes the risk of a single point of failure, even during wallet transactions.
  • Sub-Second Signing: While early MPC implementations were often slow, Dynamic’s TSS-MPC solution incorporates advanced optimizations to achieve signing speeds under one second.
  • Better Recovery Options: Key shares can be restored through several options for account recovery, eliminating the need for seed phrases.
  • Flexible Key Management: A foundation for advanced features such as social recovery and personalized security controls.
  • Improved User Experience: Users can authenticate using familiar methods like email and social login while maintaining self custody.
  • More Chain Support: Dynamic TSS-MPC employs three signature schemes across major blockchains: Because many blockchains share the same elliptic curves, a single embedded wallet key can produce valid addresses and signatures across dozens of chains, no new wallet creation or user re-authentication required.
    • Full-feature support (EVM, Solana, Bitcoin, Sui, TON, Stellar, Tron): native wallet creation, signing, and APIs out of the box. Feature coverage such as gas abstraction varies by chain; see Chain Support.
    • Aptos, Algorand, Cosmos, Spark, and Starknet (experimental) reuse the secp256k1 or Ed25519 key from your existing EVM or Solana wallet. Dynamic provides helper methods and derivation guides for signing, transacting, and exporting; see our chain-specific guides.
    • Any other chain using secp256k1, Ed25519, or BIP-340 can leverage the same raw signing primitives.

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Non-Custodial

Dynamic embedded wallets are non-custodial, meaning they are always end-user owned and controlled. The wallet is MPC-backed: no complete private key ever exists in one place or is held by a single party. Dynamic’s TSS-MPC implementation uses a User Share stored locally on the user’s device and a Server Share that participates in signing operations within a TEE. The MPC Relay manages signing ceremonies without exposing key material. For added security, users can enable Password Encryption and store a share in select Backup Options. Dynamic offers a full range of flexibility for key sharing. Our default setup of 2/2 can be adjusted to 2/3 (and other schemes such as 3/5 are available; contact us to discuss). This further mitigates single points of failure and adds fail safes for users and developers alike. For additional security, periodic Key Resharing can also be performed. Dynamic-powered embedded wallets can always be exported by the end-user to move to a different wallet provider or alternative storage location. Dynamic is SOC2 Type 2 compliant and hires independent third parties to regularly conduct audits of our code, processes and systems. Dynamic also runs evergreen bug bounty programs.

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Multi-Chain

Dynamic offers embedded wallets on EVM, Solana, Bitcoin, Sui, TON, Stellar, Tron, Tempo, and Arc compatible networks (see Chain Support). If multiple networks are enabled, wallets will be created for each simultaneously, and the one marked as “primary” will appear as the user’s main address in their profile after sign-in.
To enable embedded wallets for a chain, that chain must also be enabled for your environment. See Chain Support for the full list.
Dynamic also offers signer support for chains that use: Need expanded support for a specific chain? Contact us to discuss your use case.

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Smart Accounts

You can turn these embedded wallets into smart accounts using our smart wallet feature. By doing so, you can sponsor your end-users’ gas fees, add complex approval logic, and much more.

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Agentic/Automation Use Cases

Dynamic also provides developer managed MPC wallets using a 2 of 2 threshold signature scheme. These wallets are not end-user owned and controlled, but rather are managed by the developer. They are ideal for automation and agentic use cases. Learn more here.

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Learn More

MPC Fundamentals

Configuration Guide

How Shares Work

Last modified on October 19, 2026