The best wallet infrastructure for fintechs starts with the operating model
A practical shortlist for fintechs evaluating wallets for customer onboarding, business payments, treasury operations, and programmable governance.
Manage your treasury, run internal operations, and launch digital asset products using wallets that protect against the most sophisticated hackers.
Hold any token across chains, or deploy them into onchain finance protocols.
Delegate payments without losing control.
Manage issuance, governance, and liquidity.
Provide user wallets directly in your product, from stablecoin neobanks to AI agents.
No gas fees, a shared address book, and human-readable transactions.
Set approvals, allowlists, and spending limits.
Compliant audit logs, SOC 2 Type II certified, and flexible deployment options.
Every transaction passes three independent security layers.
No single compromise can move your assets.
Transactions are validated locally before being signed by the mobile app or SDK.
The network-isolated Guardian validates your transactions against your policies.
Smart contracts validate your transactions against your policies onchain.
From day-to-day treasury work to customer-facing products, Den keeps every workflow fast, legible, and governed.
Manage your treasury
Streamline payments
Issue stablecoins & RWAs
Launch digital asset products
Make the chain invisible
Control transactions with policies
Ready for Enterprise
Signing technology, transaction policies, and wallet APIs solve different problems. Compare how they work together for your operations.
Multi-party computation distributes signing across key shares. Evaluate the provider’s policy engine, signing environment, and recovery model alongside the cryptography.
Multisigs authorize transactions with a threshold of owner signatures. Platforms such as Safe can add modules and guards, so evaluate the complete wallet configuration.
WaaS provides wallet infrastructure through APIs and SDKs. Compare customer onboarding, signing controls, supported networks, and the permissions your application needs.
Den combines treasury operations and Wallet-as-a-Service with transaction policies checked by the signing client, the Guardian, and onchain smart contracts. Review the standard transaction flow and the separately configured recovery mechanisms as part of your security evaluation.
Den is a digital asset wallet platform for treasury operations, payments, smart contract interactions, and Wallet-as-a-Service. In the standard transaction flow, policies are independently checked by the signing client, the off-chain Guardian, and onchain smart contracts.
Multi-party computation (MPC) distributes signing across key shares. Providers can add their own approval policies and security controls. Den’s Multi-Layer Security Wallet focuses on independently validating transaction policies in the signing client, the Guardian, and onchain smart contracts. When comparing providers, ask where policies are enforced and which controls remain effective if a component is compromised.
A multisig requires a threshold of owner signatures. Safe can extend that model with modules and guards for additional controls. Den brings configurable transaction policies, mobile and API signing, a Guardian, and onchain enforcement into an integrated operational workflow. Compare the complete configuration, including enabled modules, signers, and recovery permissions.
Yes. Den’s Wallet-as-a-Service lets you create and manage customer wallets through the API and SDK. Define transaction permissions, automate operations with API members, and combine programmatic workflows with approvals from your team.
Den supports EVM networks. The deployments page in the smart contract documentation lists the supported networks and deployed contract addresses; check it for the current list when planning an integration.
Den sponsors network fees so teams do not need to maintain gas balances for each account. Plans include a fee allowance, with usage beyond that allowance billed as overages.
Yes. Den offers three deployment models. Den Cloud is fully managed, Your Cloud runs in your own AWS, GCP, or Azure for data residency control, and On-Premise runs in your own data center. Every option includes forward-deployed engineering support.
Yes. The contracts are open-source on GitHub and have undergone independent third-party audits by Certora and yAudit. Anyone can read the code and verify the deployed contracts against the source.
Each transaction is governed by a policy that defines who can approve it, which transactions are allowed, and any spending or time limits. Policies can auto-approve low-risk operations or require M-of-N approval from specific members or groups, with sign-off from the mobile app or programmatically via the API.
Den supports organizations as they scale. The platform is designed to support large enterprises with sophisticated security needs, as well as early-stage startups that need fast flexibility. Den is used for internal treasury, payments and protocol operations, as well as companies issuing secure wallets to end customers.
Read the Den product documentation, including supported EVM networks and recovery mechanisms and their permissions.
FROM THE DEN BLOG
A practical shortlist for fintechs evaluating wallets for customer onboarding, business payments, treasury operations, and programmable governance.
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