Upleveling stablecoin treasury management with human approval workflows
How Privy programmable wallets combine automation with human-in-the-loop approvals
Debbie Soon
|Mar 11, 2026
As stablecoins power faster and more global money movement, treasury infrastructure is becoming programmable. Wallet policies can automate how funds move, who can approve transactions, and how governance is enforced.
That said, not every treasury action should be automated. High-value transfers, governance changes, and wallet configuration updates often require deliberate human oversight.
Today we’re introducing manual approvals, a new capability that brings human-in-the-loop workflows directly into Privy’s programmable wallet infrastructure.
Instead of coordinating approvals across external tools or building custom logic into backend systems, teams can now introduce operational checkpoints directly within wallet governance using built-in workflows in Privy.
Introducing operational checkpoints
Traditionally, transaction signing workflows require teams to gather signatures before a transaction is submitted. In practice, this often means coordinating approvals outside the system or embedding complex workflows into application infrastructure.
Manual Approvals introduce a different model. Instead of collecting signatures first, teams can create an intent for an action and have it reviewed asynchronously by administrators in the Privy Dashboard before execution.
This allows treasury workflows to follow a more familiar operational pattern: propose → review → approve → execute
Admins can review and approve a range of treasury actions directly within the Dashboard, including:
transactions
wallet configuration updates
policy updates
Actions can be proposed either through Privy’s APIs or from the Dashboard itself. Once an intent is created, authorized administrators can review the request and approve it before it is executed.
By moving approval collection into the wallet’s governance layer, teams gain clearer oversight into how sensitive operations are authorized. Operational checkpoints now live directly within Privy’s programmable wallet infrastructure.
Real-world treasury workflows
Manual approvals are designed for centralized treasury and operations teams managing sensitive infrastructure.
Common treasury workflows include:
Tiered transaction approvals: Routine transfers can execute automatically using authorization keys, while high-value transactions require explicit human approval before execution. This allows teams to maintain speed for everyday operations while introducing oversight for larger movements of capital.
Governance and policy changes: Updates to wallet configuration, policies, or signer structures can be proposed as intents and reviewed by administrators before being finalized, reducing the risk of accidental or unauthorized changes.
Multi-admin treasury workflows: One team member may propose a transaction or configuration change while another — or a designated approval quorum — reviews and approves it. This mirrors how treasury teams operate in practice while keeping approvals visible and auditable.
Programmable governance for modern treasury ops
Stablecoin adoption is expanding what treasury systems can do, making them faster, cheaper, and more efficient.
Privy’s policy engine already allows teams to define how wallets behave through programmable rules. Features like nested key quorums enable organizations to encode their internal structure directly into wallet policy, specifying which teams or roles must approve sensitive actions.
With manual approvals, we introduce another critical layer: operational oversight. Treasury teams can now add human checkpoints to automated workflows, ensuring that high-impact actions are reviewed before execution.
Together, these capabilities allow organizations to build treasury systems that reflect both how they are structured and how they operate day to day.
As stablecoins reshape global money movement, treasury operations are increasingly moving onchain. With programmable policies, structured approvals, and human oversight, Privy provides wallet infrastructure designed to handle the demands of real-world treasury operations.
To enable manual approvals, learn more in our docs or reach out to sales@privy.io.
