Custodial Wallet Development
Custodial wallets backed by qualified custodians — simple onboarding, account recovery and integrated compliance.
USD
1,240.00
USDC
860.50
EUR
310.20
Division
Service area
Wallet Infrastructure
Engagement
Project · Team · Managed
Overview
Custodial wallets hold keys on the user's behalf through a qualified custodian, enabling familiar sign-in, account recovery and integration with regulated financial products. We build custodial wallet products with omnibus or segregated account models, internal ledgers reconciled to custodian balances, compliance integration and withdrawal controls.
Common use cases
- Fintech crypto featureDigital assets in a financial app.
- Exchange accountsUser balances on a trading platform.
- Brand loyalty walletsToken rewards without self-custody.
- Institutional client walletsCustodied client accounts.
Faster route to launch
Start from our white-label crypto wallet.
Most custodial wallet development projects don't need to begin from zero. Shivacha Crypto Wallet provides a production-ready foundation that we customise to your brand, workflows and integrations — or we engineer a fully custom platform where your requirements demand it.
Typical implementation
2–3 weeks
White-label implementation
Customization
Highly customizable
Advanced builds: 3–5 weeks
- White-label
- Ready to launch
- Production-ready
- Customizable
- API-ready
Timelines refer to software implementation and deployment scope for a defined configuration. Third-party integrations, regulatory approvals, banking and card-issuer onboarding, custody and liquidity agreements, security audits and other external dependencies may require additional time.
Quick answers
Custodial Wallet Development at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is custodial wallet development?
- Custodial wallets backed by qualified custodians — simple onboarding, account recovery and integrated compliance.
- Who is it for?
- Typically exchange operators, brokers, fintechs and Web3 companies launching trading, wallet, custody or on/off-ramp products.
- What does Shivacha provide?
- Account models
- Internal ledger
- Deposit & withdrawal
- Compliance integration
- Account recovery
- Custodian integration
- Which technologies are used?
- Account Abstraction, ERC-4337, MPC Cryptography, WalletConnect, Viem, Wagmi — chosen to fit your stack and constraints.
- How does the process work?
- Custody model → Account & key design → Wallet services → Client apps → Security testing.
- What affects the cost?
- White-label configuration vs custom modules
- Number of assets, chains and trading pairs
- Custody model and provider
- Liquidity, fiat on/off-ramp and KYC integrations
- Mobile apps and admin scope
- Security testing and operational requirements
- How long does it take?
- White-label implementations typically take 2–5 weeks of software work depending on product and customisation; advanced custom platforms 4–8+ weeks. Licensing, banking, custody and liquidity partner onboarding run on their own timelines.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Account models
Omnibus and segregated structures.
Internal ledger
User balances reconciled to custody.
Deposit & withdrawal
Address management and controlled withdrawals.
Compliance integration
KYC, screening and limits.
Account recovery
Standard identity-based recovery.
Custodian integration
Qualified custodian APIs.
Architecture
Engineered right from day one
The layers we typically design for wallet infrastructure, adapted to your stack and partners.
- Recovery without seed phrasesSocial recovery, MPC or passkeys where appropriate.
- Transaction simulationUsers see what a transaction will do before signing.
- Chain abstractionUnified balances and gas handling across networks.
- Secure storagePlatform secure enclaves and hardware-backed keys.
Delivery
How an engagement runs
- 1
Custody model
Custodial, non-custodial or hybrid — and who holds which key material.
- 2
Account & key design
Account type, key generation, storage and recovery flows.
- 3
Wallet services
Indexing, transaction building, simulation and fee management.
- 4
Client apps
Onboarding, asset views, send/receive, dApp connectivity.
- 5
Security testing
Threat modelling, penetration testing and recovery drills.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Wallet segregation
Hot/cold tiers, withdrawal limits and approval quorums.
Custody integration
MPC, multisig or HSM-backed providers — keys never in application code.
Ledger reconciliation
Internal balances reconciled against on-chain and partner records.
Admin controls
Role-based access, maker-checker approvals and full audit trails.
Technology
Tools we use for this
Products
Start from a platform
Shivacha Crypto Wallet
Custodial or MPC wallets for fintech products and exchanges.
Learn moreShivacha Web3 Wallet
A self-custody smart wallet with passkeys, gas sponsorship and multi-chain assets.
Learn moreShivacha Hybrid Wallet
One wallet for local currency, dollars, stablecoins and tokens.
Learn moreRelated services
Often combined with
Crypto Wallet Development
Crypto wallet development for mobile, web and extensions — secure keys, multi-chain assets, swaps and dApp connectivity.
Learn moreMulti-Chain Wallet Development
Multi-chain wallets with unified balances, chain abstraction, cross-chain swaps and consistent UX across networks.
Learn moreNon-Custodial Wallet Development
Self-custody wallets where users control their keys — secure storage, recovery options and safe transaction UX.
Learn moreDedicated team
Web3 Product Team
Full-stack Web3 engineers for dApps, wallets and user-facing products.
Work & insights
Related thinking
Policy-controlled institutional digital asset operations
A reference design for institutions that need every digital asset transaction initiated, approved and signed under explicit policy.
Learn moreMost breaches start with identity: where to focus security effort first
Before advanced tooling, get identity right: phishing-resistant MFA, least privilege, secrets out of code and logs you can actually search.
Learn moreStablecoins in the enterprise treasury: a technology checklist
Before holding or moving stablecoins, enterprises need custody, policies, accounting data, reconciliation and clear partner responsibilities.
Learn moreFAQ
Frequently asked questions
Who holds the keys in a custodial wallet?
A qualified custodian or the licensed operator, under their regulatory framework.
Omnibus or segregated accounts?
Omnibus is operationally efficient; segregated accounts provide clearer on-chain separation. Choice depends on regulation and product.
Custodial or non-custodial?
Custodial wallets suit regulated financial products and simpler onboarding, usually with a licensed custodian. Non-custodial wallets give users full control. Hybrid MPC and smart-account designs sit between the two.
What is account abstraction?
Account abstraction (notably ERC-4337) lets wallets be smart contracts, enabling features like gas sponsorship, batched transactions, spending limits, session keys and flexible recovery.
Next step
Discuss Your Launch.
Tell us about your custodial wallet development requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.