Wallet & custody engineering
A crypto wallet development company
for regulated fintech.
TrustChange delivers cryptocurrency wallet development services for EU VASPs, PSPs, EMIs, neobanks and banks. Custodial, non-custodial and MPC wallets — mobile, web and back-office — engineered, hardened and handed over as your own code. No white-label licence, no per-user fee.
- EU-based engineers
- MiCA-aware delivery
- MPC / HSM signing
- Client-owned code
Services
Cryptocurrency wallet development services we deliver
Six workstreams that ship together as one wallet system. Nothing runs in isolation — the account model, the signing service, the admin console and the ledger all speak the same language.
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01
Wallet architecture & threat model
We start on paper: signing model, key ceremonies, failure modes and the rulebook the wallet will be examined against. The design outlives the first release.
- Signing topology
- Threat model
- Key ceremony script
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02
Mobile & web wallet apps
iOS, Android and web wallets built around a shared account model — send, receive, swap, buy, sell and portfolio views under your brand.
- Native mobile + PWA
- Design-token theming
- Biometric unlock
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03
Custody & signing services
Hot, warm and cold tiers with policy-driven signing. MPC / TSS covers operating balances; air-gapped multi-sig or HSM anchors the reserve.
- MPC / TSS signing
- HSM & air-gap tiers
- Withdrawal policy engine
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04
Chain integrations
Deposit, sweep, quote and broadcast paths per chain, with confirmations, replacements and reorgs handled where they belong — in code, not runbooks.
- EVM & UTXO chains
- Deposit + sweep logic
- Fee & nonce management
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05
Admin & risk console
Your ops, risk and compliance teams see users, transfers, cases and limits behind one console with role-based access and a full audit trail.
- Role-based access
- Case review queue
- Policy editor
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06
Integration into your stack
Cryptocurrency wallet development and integration into your core banking, ledger, KYC, screening and support tooling — one identity, one journal.
- Core-banking hooks
- KYC / screening APIs
- Webhook + event bus
Wallet types
Wallet types our blockchain wallet development services build
The right model depends on who holds keys, what regulator asks and how the user is expected to recover access. We build all four and recommend the one that fits — not the one that adds the most scope.
Custody depth sits on our wallet and custody engineering page. Venue-side integration lives on crypto exchange development.
| Type | Best fit | Keys | User experience |
|---|---|---|---|
| Custodial wallet | Licensed VASP · EMI · neobank | You hold keys via MPC or HSM | Password + biometric, recovery through support Fastest to ship. Fits when regulation expects you to hold funds. |
| Non-custodial wallet | Consumer & prosumer product | User holds the key, we design the recovery | Seed phrase or social recovery, hardware option You never touch a private key. Recovery UX is the real design work. |
| MPC wallet | VASP · exchange · treasury | Threshold signing across separate trust zones | No single key holder, no seed to lose Removes the seed-phrase problem while keeping user control. |
| Smart-account wallet | Web3 product · dApp | Account abstraction with policy + session keys | Gasless flows, batched calls, spending limits Bring account rules on-chain: limits, allow-lists, session keys. |
Chains & tokens
Blockchain wallet development services: chains, tokens and rails
One account model, many chains. Adding a new chain is a scoped adapter — the ledger, admin console and controls above stay unchanged.
- EVM L1 / L2
- Ethereum, Polygon, Arbitrum, Optimism, Base
- UTXO
- Bitcoin, Litecoin (native SegWit and Taproot paths)
- High-throughput
- Solana, Tron and other account-model chains
- Stablecoins
- USDC, USDT and EURC across supported chains
- Standards
- ERC-20 / 721 / 1155, BEP-20, SPL, BRC-20 where relevant
- Custom
- Bespoke chains and appchains via adapter contracts
Fiat-in and fiat-out beside crypto? See on- and off-ramp integration and payment gateway engineering.
Controls & evidence
Controls, compliance and audit evidence
Regulated wallet delivery is an evidence job. These controls ship as part of scope, not as a slide deck attached at the end.
Rule mapping is detailed on our compliance engineering practice. The wider platform view lives on fintech infrastructure. Related specialised builds: white label crypto wallet development, white label crypto exchange development and blockchain development services.
Delivery
How we deliver a crypto wallet build
Five steps, in this order. Cryptocurrency wallet development and integration runs inside one plan — no compliance phase bolted on at the end, no big-bang release.
- 01
Discovery
2–3 weeks
We map the product, the licence, the funds flow and the threat model. You leave with a scope, a risk list and a ranked plan.
- 02
Architecture
3–4 weeks
Signing topology, ledger contract, chain adapters and admin permissions get written down first. Design decisions carry rationale, not vibes.
- 03
Build
Two-week slices
Wallet apps, custody services, admin and integrations ship in reviewable slices. Each slice runs tests, static checks and a dependency scan.
- 04
Hardening
Pre-launch
Load, chaos and failure drills. Third-party pen test on the mobile, backend and signing paths. Findings fixed before launch, not logged for later.
- 05
Launch & run
Ongoing
Cutover with a rollback path, then 24/7 engineering cover. Runbooks and dashboards handed to your team on day one, not month three.
Engagement
Four ways to buy the work
Same engineers, same standard. Only the commercial shape changes with your stage and the certainty in the scope.
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Fixed-scope wallet build
Best whenScope is settled and the launch date matters
ShapeOne price, one date, one accountable team
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Dedicated wallet team
Best whenA wallet roadmap that outruns your headcount
ShapeA standing EU squad with its own delivery lead
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Wallet staff augmentation
Best whenOne skill gap inside a working wallet team
ShapeSenior engineers into your sprints and repos
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Wallet CTO advisory
Best whenA build-vs-buy or custody model decision
ShapeArchitecture review, threat model, ranked plan
Questions
FAQ: crypto wallet development company
Six answers up front on scope, wallet types, chains, compliance, ownership and timeline. Bring the rest to the call.
Related work: how we deliver and the full engineering services catalogue.
What does your crypto wallet development company actually deliver?
We deliver a bespoke, client-owned wallet system: mobile and web apps, the custody services that hold keys, the chain integrations that move value, the admin console your ops and risk teams use, and the compliance controls that keep you inside MiCA, Travel Rule, PSD2 and GDPR expectations. The code lives in your repositories from day one — no white-label licence, no per-user fee.
Do you build custodial, non-custodial, MPC or smart-account wallets?
All four. Regulated operators most often need custodial or MPC designs so an examiner can see who holds keys and under what quorum; consumer products lean toward non-custodial with recovery designed in; Web3-native products lean on smart accounts for gasless flows and on-chain policy. We recommend the model that fits your licence, your users and your risk appetite — not the one that maximises our scope.
Which blockchains and tokens do your wallet development services cover?
The chain matrix on this page shows the EVM L1/L2, UTXO, high-throughput and stablecoin coverage we ship most often. Adding a new chain is an adapter, not a rebuild — the account model, ledger and admin console stay untouched. Bring the chain list and the volumes; we scope the ones that pay back the integration cost.
How do you handle MiCA, Travel Rule, sanctions screening and GDPR?
Compliance is engineered into the wallet, not bolted on later. Sanctions and wallet-risk screening run before a transfer is authorised; Travel Rule originator / beneficiary data is exchanged with the counterparty VASP where required; MiCA-relevant records ship with each release; personal data is mapped, retained per policy and processed on EU infrastructure. Your advisers set the rule; we ship the code and the evidence.
Who owns the code, the keys and the customer data at the end?
You do. Cryptocurrency wallet development at TrustChange is an engineering engagement, not a licensed product — contracts assign the IP to you, the code lives in your repositories, keys are held under your custody model, and customer data stays in the regions and stores you choose. If you replace us, everything you need to keep running is already in your control.
How long does a first wallet release take?
The honest answer depends on the model, the chains and the licence, and we quote against your scope after discovery. As a shape: a focused custodial wallet with a small chain list, one country of launch and reused compliance tooling reaches a hardened first release faster than a multi-chain non-custodial product with novel recovery. We share the sequence and the risks in writing — no marketing timeline.
Book a discovery call with our crypto wallet development company
Send the wallet model, the chain list, the licence you sit under and the target launch. We come back with an architecture view, a risk list and a costed plan. No demo theatre.