Introducing digital asset accounts
A single system for holding, moving, and growing digital assets globally
Henri Stern
|Apr 29, 2026
Explore the docs to learn more, or reach out to sales@privy.io if you’re building modern financial products.
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Privy has spent the past few years building wallet infrastructure and we are witnessing a wave of stablecoin adoption, with stablecoins changing how money moves globally.
Through this shift, wallets are the foundation of every team’s digital asset strategy. They give users a way to hold assets securely and sign transactions. But as stablecoins go mainstream across payments, trading and treasury, teams need more from their wallets.
Teams need a system for managing money at scale—flexible, powerful, integrated. Today, this requires a dozen integrations and deep crypto expertise. We are changing that.
Today, we are excited to introduce digital asset accounts.
Digital asset accounts extend wallets into a unified system for holding, moving, and managing assets.
An account is an abstraction over wallets. Even when assets are held across multiple wallets, chains, or custody configurations, accounts allow you to:
Get a unified balance across wallets and chains
Configure a single system across custodial and self-custodial rails
Move money, trade, swap from a single API
From that single account, you can move money, execute actions like swaps or earning, and enforce policies and approvals.
This makes it possible to build products that operate globally from day one, without stitching together infrastructure across regions, chains, or custody models.
Over the past year, we’ve been building toward this. With wallet actions, we introduced higher-level primitives for transfers, swaps, and earning, so developers could operate on crypto rails without working directly with transactions.
But even with those abstractions, one problem remained: everything was still scoped to individual wallets.
Balances were fragmented across chains, custody models varied by use case, and building a complete financial product still required stitching together multiple systems.
Digital asset accounts solve that by introducing a more natural way to build financial products.
In most systems, you don’t think in terms of keys or transactions. You think in terms of accounts, balances, and flows of money. Digital asset accounts bring that model to crypto.
We’ve been working with customers like Ramp to shape this in production. Ramp Stablecoin Accounts have been in public beta over the past month, powering global payouts and card-linked balances. In one case, a startup was able to take funding entirely in stablecoins.
These systems operate across jurisdictions, custody models, and asset types, and require a higher-level abstraction than wallets alone to be both intuitive and ready to operate globally from day one.
Digital asset accounts are designed for that. They give developers one system to hold balances across chains, move assets globally, access trading and yield, and define how funds are controlled, all without rebuilding the underlying infrastructure.
Explore the docs to learn more, or reach out to sales@privy.io if you’re building modern financial products.
