Multi-Chain Wallet

Overview

The Multi-Chain Wallet (also called Managed Wallet) is a Strails-controlled wallet secured by a Hardware Security Module (HSM) for ECDSA and EdDSA cryptographic signature schemes and aligns with SLIP-0044 standard HD wallet derivation. StRails uses this wallet to execute transactions on behalf of fintechs across multiple blockchain networks.

Key Characteristics

Feature	Description
Control	Strails-controlled — StRails manages all transactions
Security	HSM-backed key management
Assets	cNGN, USDC, USDT
Networks	Base (primary), Ethereum, BNB Chain, Solana, Bantu
Purpose	Transaction execution, gas fee payment, cross-chain operations

How It Works

The Multi-Chain Wallet acts as the execution layer for StRails operations:

User Request → StRails API → Multi-Chain Wallet → Blockchain

You call an API endpoint (e.g., /withdrawasset, /swap)
StRails validates the request and checks balances
The Managed Wallet signs the transaction using HSM
Transaction is broadcast to the appropriate blockchain

What You Can Do

Token Transfers

The Multi-Chain Wallet executes token transfers when you call:

/withdrawasset — Withdraw user tokens to external wallets
/fintechtransfer — Transfer fintech tokens to registered external wallets

Swaps

Token swaps are executed through the Managed Wallet:

/swap — Swap tokens on user’s smart wallet
/swaptrigger — Trigger async swaps (cNGN ↔ USDC/USDT)

Cross-Chain Bridging

For multi-chain operations, the Managed Wallet coordinates:

Source chain token lock/burn
Destination chain mint/release
Status callbacks to your webhook

Security Model

┌─────────────────────────────────────┐
│          AWS KMS (HSM)              │
│  ┌─────────────────────────────┐    │
│  │   Private Key (never leaves) │    │
│  └─────────────────────────────┘    │
│              │                      │
│              ▼                      │
│  ┌─────────────────────────────┐    │
│  │   Sign Transaction Request   │    │
│  └─────────────────────────────┘    │
└─────────────────────────────────────┘
              │
              ▼
     Signed Transaction → Blockchain

Key Security Features:

Private keys never leave the HSM
All signing requests are audited
No direct private key access for anyone (including StRails staff)
Automatic key rotation policies

Gas Fee Handling

The Multi-Chain Wallet pays gas fees for all system-initiated transactions:

User withdrawals: Gas paid by StRails
Swaps: Gas included in swap execution
Bridging: Gas covered on both source and destination chains

You don’t need to maintain native token balances — StRails handles all gas costs.

Differences from Smart Wallet

Aspect	Multi-Chain Wallet	Smart Wallet
Control	Strails-controlled	Fintech or Strails-controlled
Type	EOA (HSM-backed)	Smart Contract
Direct Access	No	Yes (if you set owner)
Use Case	Backend operations	User-facing custody
Self-Withdrawal	No	Yes (via `execute()`)

Smart Wallet — User-facing smart contract wallets
MPC Wallet — Fintech-controlled custody with MPC signing
Wallet Management API — API endpoints for wallet operations
Transactions API — Transaction execution endpoints

​Multi-Chain Wallet

​Overview

​Key Characteristics

​How It Works

​What You Can Do

​Token Transfers

​Swaps

​Cross-Chain Bridging

​Security Model

​Gas Fee Handling

​Differences from Smart Wallet

​Related Documentation