Skip to main content

​
Overview

CDP non-custodial wallets are built for both users and systems. For users, wallets are embedded directly in your app. Users can sign in with email, SMS, social login, or a JWT from your own authentication system. No seed phrases, browser extensions, or pop-ups required. Users control the wallet and can export their keys; a time-bound delegation can optionally let your backend sign and send transactions until it expires. For systems, wallets are accessed via the same secure API key authentication battle-tested across all CDP APIs. Your server creates and manages accounts programmatically while CDP handles all private key security inside a Trusted Execution Environment.
Comparison showing traditional wallets require 6 steps including seed phrase management, while user wallets only need 3 simple steps

​
Authentication models

CDP non-custodial wallets support two authentication models depending on who controls the wallet:

User authentication

Wallets controlled by your end users. Use CDP’s email, SMS, or social login, or connect your existing authentication system with JWTs. Best for consumer apps, games, and social platforms.Supported in TypeScript, React, and React Native.

API key authentication

Wallets controlled by your server with a CDP API key and Wallet Secret. Best for automated workflows, agentic applications, and backend services.Accessible via the CDP SDK or REST endpoints.

​
Wallet ownership and control

Choose the authentication model that matches who should control funds and signing. Both models use CDP’s secure wallet infrastructure, but custody and credential control differ.

​
Build the wallet experience you want

You control how prominently wallets appear in your product. You can build a visible wallet experience, keep wallet creation and access in the background behind your existing login, or use a mix of both.
  • Flexible authentication: Use CDP-managed authentication with email, SMS, or social login, or bring your own authentication system and pass its JWTs to CDP.
  • Full control over the user experience: Wallet and signing complexity can be abstracted away from users with Delegated Signing. After a user grants a time-bound delegation, your backend can sign within that delegation while the user is offline.

​
Key capabilities

CDP non-custodial wallets provide:
  • Easy onboarding: Familiar login methods (email OTP and social logins) replace complex seed phrases
  • Lightning-fast wallets: Wallet creation and signing under 500ms, enabling instant user onboarding
  • Complete customization: Full control over UI/UX to match your brand and user experience
  • Enterprise-grade security: Advanced cryptographic operations and transaction signing powered by secure infrastructure
  • Everything Wallet: Access onramp/offramp, balances, transfers, swaps, and staking without additional integrations
  • USDC Rewards: US-based developers earn 3.35% rewards on balances held across CDP non-custodial wallets

​
Try the interactive demo

Experience user wallets firsthand at demo.cdp.coinbase.com. The demo lets you:
  • Explore the user experience: See how smooth onboarding can be with web2-friendly authentication
  • Test customization: Preview how user wallets can match your app’s look and feel
  • Try core features: Wallet creation, transactions, and key management in action
Perfect for developers who want to understand the product before diving into implementation.

​
Use cases

User wallets
  • Consumer apps: Payments, gaming, and social platforms where users sign in with email or social login and transact without managing keys
  • Marketplaces: Streamlined checkout with built-in crypto payments and NFT trading
  • DeFi applications: Lending, borrowing, and yield farming with a familiar web2-style UX
API key wallets
  • Agentic applications: Give AI agents controlled wallet access with policy-enforced spending limits
  • Automated workflows: Execute transactions triggered by webhooks or onchain events without user involvement
  • Backend treasury management: Programmatically manage funds across EVM and Solana from your server

​
Supported networks

EVM Networks

All EVM-compatible networks including Base, Ethereum, Arbitrum, Polygon, Optimism, and more

Solana

Full support for Solana mainnet and devnet

Testnets

Base Sepolia, Ethereum Sepolia, Solana Devnet, and other test networks for development

​
Get started

You can build with non-custodial wallets using a free CDP Portal account and project; business verification is not required. When you’re ready to use a Coinbase Business account with your CDP integration, verify your business and go live.

Quickstart: User Auth Wallets

Add user wallets to your React app in under 10 minutes

Quickstart: API Key Wallets

Create and manage wallets programmatically from your backend

Webhooks

Subscribe to real-time transaction, signing, and delegation events.