Summary: Corporate treasuries can now run DeFi with enterprise-grade controls by combining EIP-7702 smart accounts, ERC‑7579/6900 policy modules, MPC signing, on-chain sanctions screening, and Travel Rule workflows. This guide shows how 7Block Labs implements “policy-as-code” wallets that pass procurement diligence and deliver measurable ROI.

Building “Policy‑Based” DeFi Wallets for Corporate Treasuries

Hook — the specific headache Your treasury wants stablecoin yield and faster settlements, but your auditors want separation of duties, Travel Rule data, sanctioned‑party blocks, and a provable approval matrix. Meanwhile, your traders need gas‑sponsored swaps and MEV protection—without creating a shadow IT stack or infinite Permit2 allowances that haunt risk reviews. With Pectra live and EIP‑7702 enabling smart‑contract features on existing EOAs, the stack is finally mature—but stitching it together without tripping policy and compliance wires is the real work. (coindesk.com)

Agitate — the risk if you delay

• Missed quarter close: manual sign‑offs and fragmented logs across wallets/L2s add days to reconciliation.
• Frozen liquidity: counterparties increasingly block flows until Travel Rule data is validated; many VASPs now halt withdrawals without beneficiary confirmation. That stalls vendor payments and payroll. (notabene.id)
• Regulatory exposure in 2026: the U.S. stablecoin framework (GENIUS Act) creates a licensing and reserve regime, with effectiveness on the earlier of 18 months after enactment (signed July 18, 2025) or 120 days after final rules (due within 12 months). You need controls mapped to this calendar, not a last‑minute scramble. (skadden.com)
• Execution alpha leakage: public‑mempool order flow remains vulnerable to frontrunning/sandwiching; your desk quietly pays a “DeFi tax” unless you default to private routes with revert protection. (collective.flashbots.net)
• Governance dead‑zones: infinite token approvals (e.g., via Permit2) make risk teams uncomfortable and complicate incident response after a compromised session. You need short‑lived approvals with cryptographic intent binding. (api-docs.uniswap.org)

Solve — 7Block Labs’ “policy‑as‑code” wallet methodology We design and ship a layered control plane that maps directly to treasury policy, not protocol marketing:

1. Smart‑account baseline (EIP‑7702 + ERC‑4337)

• Keep existing EOAs while gaining smart‑wallet features (batched ops, sponsored fees, recovery) via EIP‑7702, already live since the May 7, 2025 Pectra upgrade. This lets you migrate staff wallets and hardware keys without renumbering addresses. (coindesk.com)
• Use ERC‑4337 infra (bundlers, paymasters) for spend control and gas sponsorship with auditability. The standard has processed tens of millions of UserOperations and is production‑grade across major L2s. (ethereum.org)

1. Modular policy layer (ERC‑7579 or ERC‑6900)

• ERC‑7579: minimal, wallet‑centric modules (validation, hooks, execution) for plug‑and‑play rate‑limits, role‑based approvals, and session keys; broad ecosystem support (Safe, Biconomy, Pimlico, WalletConnect, Rhinestone, etc.). (erc7579.com)
• ERC‑6900: registry‑backed permission graphs for fine‑grained delegation; enterprise‑ready via audited implementations such as Alchemy’s Modular Account v2 (MAv2) with published gas benchmarks and native EIP‑7702 support. We choose per‑program: 7579 for simple, auditable rules; 6900 where complex delegation trees are unavoidable. (alchemy.com)

1. Key management with MPC/TSS (latency SLAs, air‑gapped options)

• We integrate institutional MPC (e.g., MPC‑CMP lineage) to reduce single‑key risk and meet “two‑person rule” requirements. MPC‑CMP’s one‑round signing design improves latency over GG18/Lindell/Doerner and supports air‑gapped shares and automatic key refresh—useful when policies require partial cold workflows. (fireblocks.com)
• For chains with Schnorr (e.g., Taproot contexts), we support FROST (RFC 9591) for 2‑round threshold signatures to keep countersigning fast while maintaining UC‑style security properties. (ietf.org)

1. Compliance guardrails baked into each transaction

• On‑chain sanctions screening via Chainalysis Oracle contracts (Ethereum and major EVM L2s) as a pre‑transfer hook; the oracle is Chainalysis‑maintained and publicly callable. Pair with your existing API‑driven screening in off‑chain flows for belt‑and‑suspenders defense. (go.chainalysis.com)
• Travel Rule pre‑checks: before releasing funds, trigger workflow integrations (e.g., Notabene) to confirm counterparty data, reflecting market reality where non‑compliance increasingly causes blocking/returns. (notabene.id)
• FATF alignment: structure ops so that if your organization “controls or sufficiently influences” any DeFi arrangement, your VASP‑like obligations (risk assessments, KYC/KYT) are provable through logs and policy attestations. (fatf-gafi.org)

1. MEV‑aware routing as the default

• Route approvals, swaps, and transfers through private builders and Protect‑style RPCs to mitigate frontrunning and avoid paying for reverted transactions; integrate the same option in your internal relayers. (collective.flashbots.net)
• For operations teams, we can also enable private‑mempool toggles and gas policies (caps, EIP‑1559 preference, sequencer behaviors on L2s) in your relayer console with an audit trail. (docs.openzeppelin.com)

1. “No‑infinite‑approvals” allowance policy (Permit2 with expiration)

• Wrap Uniswap Permit2 usage with policy that caps amount and duration, and revoke on drift. We bind quotes to intents and require freshness to reduce signature replay windows. (api-docs.uniswap.org)

1. Treasury‑grade SoD and approvals using Safe‑style modules

• Spending limits and roles: enforce per‑asset/day caps and dedicated beneficiaries; beneficial for vendor payouts and card programs. (help.safe.global)
• Delay/circuit‑breakers: insert small, policy‑defined delays for non‑routine outflows; provide cancel windows for ops leads. (help.gnosispay.com)
• Controlled module lifecycle: we add/remove modules via explicit transactions and track every policy mutation for audit. (help.safe.global)

1. Identity and selective disclosure (ZK + Verifiable Credentials)

• Where counterparties require attestations without full KYC leakage, integrate W3C Verifiable Credentials 2.0 with optional ZK proofs (e.g., “jurisdiction=US, accredited=yes”) to unlock counterparties that gate liquidity. (w3.org)

1. ERP/TMS integration and close automation

• Map wallet events to your TMS/ERP (SAP S/4HANA, Oracle NetSuite) with ISO 20022‑style payment messages, auto‑reconciliation, and export to SIEM. This is where the ROI shows up on your liquidity ladder and DSO/DPO metrics.

Where our work shows up on your KPI sheet (GTM metrics we design for)

• Policy coverage: % of outflows executed under on‑chain policy checks (target ≥ 98% after month 1).
• Approval latency: median time from request → final signature (target ≤ 12 minutes for routine payouts; high‑value flows gated by delay modules).
• Failed‑tx cost: revert‑costs per $1M flow (target near‑zero via private routing). (collective.flashbots.net)
• MEV leakage: slippage vs. TWAP for comparable public‑mempool trades (target ≥ 30–60 bps improvement on large tickets; use arXiv‑backed baselines for monitoring). (arxiv.org)
• Compliance hit‑rate: % of sanctioned/blocked counterparties detected pre‑signature (target 100% of true positives captured via oracle/API double‑check). (go.chainalysis.com)
• AA adoption: % of flows executed via smart accounts vs. legacy EOAs; this unlocks session keys, allowances, and revocation UX—now mainstream as ERC‑4337+7702 usage scales. (ethereum.org)

Practical examples you can copy today

Example A — USDC vendor payments with CFO‑friendly controls
Context: U.S. HQ, multiple cost centers, weekly vendor runs; need sanctions screening + Travel Rule + MEV protection, while keeping traders productive.

• Account architecture: existing EOAs upgraded via EIP‑7702; execution via ERC‑7579 modules for rate limits and allowlists. (coindesk.com)
• Policy set:
  • Per‑vendor caps (daily/weekly) + designated recipients (spend limit module). (help.safe.global)
  • Chainalysis Oracle pre‑check for every transfer. (go.chainalysis.com)
  • Travel Rule pre‑flight via Notabene; if missing data → auto‑block and notify AP queue. (notabene.id)
  • Private‑mempool routing by default; revert‑cost elimination on failed txs. (collective.flashbots.net)
• Operational guardrails: short‑lived Permit2 allowances with expiry bound to quote; revoke if quote changes. (api-docs.uniswap.org)
• Business result: vendor runs complete within existing “payment factory” cycles; audit evidence includes module settings, oracle calls, and relayer policy logs.

Example B — Liquidity provisioning (LP) and desk operations
Context: Treasury allocates to low‑vol AMMs; must avoid toxic flow and show execution quality.

• Modules:
  • ERC‑6900 validation graph with desk‑trader session keys (caps, pool allowlist, TWAP‑bounded slippage). (alchemy.com)
  • Delay module for governance or non‑routine outflows; cancel window for Risk. (help.gnosispay.com)
• Relayer policies: gas caps, private routing, and per‑chain sequencer behaviors—documented and exportable to compliance. (docs.openzeppelin.com)
• Reporting: before/after private routing slippage analysis using the same pools and timestamps; academic baselines indicate sandwiching frequency high enough to justify private defaults. (arxiv.org)

Best emerging practices (Jan 2026)

• Default to EIP‑7702 migration for staff wallets; it preserves address continuity while unlocking smart‑account controls. (coindesk.com)
• Pick 7579 for simple, auditable policies; pick 6900 for complex delegation across desks/entities—leverage audited MAv2 to save on gas and speed reviews. (alchemy.com)
• Enforce “no infinite approvals”: Permit2 + short expiries + intent fingerprinting; auto‑revoke on quote drift. (api-docs.uniswap.org)
• Sanctions checks on‑chain (oracle) and off‑chain (API) for defense in depth; log both. (go.chainalysis.com)
• Treat MEV as an operational expense you can reduce: private builders by default, policy‑bound slippage, and revert‑protection everywhere. (collective.flashbots.net)
• Prepare for the GENIUS Act clock now: map reserves/custody/vendor dependencies; align internal runbooks to the “earlier of 18 months or 120 days post‑regs” trigger. (pwc.com)

What we build and where to click

• Wallet policy and smart‑account engineering: choose and implement the right standard, write modules, and ship to prod with audits. See our smart contract development and dapp development.
• Enterprise integration: ERP/TMS connectors, identity/KYC, SIEM logging, custody/MPC hookups. See blockchain integration and web3 development services.
• DeFi plumbing: paymasters, private orderflow, multi‑chain routing, pool/payout automation. See DeFi development services and cross‑chain solutions.
• Risk and audit: formal specs for policies, pre‑deployment reviews, and recurring checks. See our security audit services.
• Bridges and internal transfers: guarded cross‑domain flows between L2s and custodians. See blockchain bridge development.

Target audience and embedded keywords

• Audience: U.S. corporate treasurers and treasury IT leads at mid‑ to large‑cap firms (multi‑entity, multi‑currency), plus procurement and risk owners who must greenlight wallet infrastructure.
• Keywords we’ll speak to in your RFPs and steering committees: Treasury Management System (TMS) integration, SAP S/4HANA, Oracle NetSuite, Payment Factory, In‑House Bank, Approval Matrix, Segregation of Duties (SoD), Three‑Way Match (for vendor onboarding), Liquidity Laddering, Cash Forecasting, FX Hedging, Intercompany Netting, ISO 20022 mapping, UAT sign‑off, RTO/RPO, SIEM export, Builder/Paymaster SLAs, Change‑control runbooks, Audit Trail immutability.

90‑day implementation blueprint (typical)

• Days 0–15: policy discovery and “controls to code” mapping; select 7579 vs 6900; define paymaster sponsors and private‑routing defaults; choose MPC topology.
• Days 16–45: build modules (spend limits, allowlists, session keys, delay), wire Chainalysis Oracle + Travel Rule webhook, enforce Permit2 expiries; stand up relayer with gas/MEV policies. (go.chainalysis.com)
• Days 46–70: ERP/TMS integration, reconciliation events, SIEM exports; tabletop exercises (policy breach, key‑share loss, counterparty failure).
• Days 71–90: parallel runs with real vendors, progressively raising caps; measure approval latency, revert costs, and slippage deltas; finalize runbooks and handover.

Proof — ecosystem signals your stakeholders will recognize

• Account abstraction is no longer speculative: Ethereum foundation docs and mainnet metrics show broad ERC‑4337 adoption, with Pectra’s EIP‑7702 adding native features to existing EOAs. (ethereum.org)
• Modular accounts have converged on two credible standards (ERC‑7579 and ERC‑6900), with audited enterprise‑oriented implementations and clear extension paths. (erc7579.com)
• Compliance trends point one way: VASPs are enforcing Travel Rule data and sanctions checks as preconditions to transact; policy‑as‑code avoids operational standstills. (coindesk.com)

Why 7Block Labs
We bring engineering depth (Solidity, policy modules, AA infrastructure, MPC integrations, ZK attestations) and procurement fluency (SLAs, runbooks, risk matrices, auditable logs). If you need a build partner that can talk to both your DeFi traders and your Treasury Policy Committee, we’re your team. See our blockchain development services and cross‑chain solutions.

Personalized CTA
If you are a U.S. corporate treasurer moving $25M–$300M/month in on‑chain payables and you must (1) be GENIUS‑Act‑ready for FY2026 audits and (2) cut approval latency below 15 minutes without losing SoD, reply with your payment run cadence (weekly/bi‑weekly), ERP (SAP/NetSuite), and top three counterparties—we’ll schedule a 45‑minute architecture session to blueprint your policy‑based wallet and ship a week‑one pilot.

References

• Ethereum Pectra and EIP‑7702 live on May 7, 2025; mainstream coverage and details. (coindesk.com)
• ERC‑4337 adoption and AA background. (ethereum.org)
• ERC‑7579 standard and extensions registry. (erc7579.com)
• ERC‑6900 / MAv2 enterprise implementation and audits; gas benchmarks and 7702 support. (alchemy.com)
• Chainalysis sanctions screening oracle (addresses, networks) and API. (go.chainalysis.com)
• Notabene Travel Rule 2025 report and CoinDesk summary on enforcement behavior. (notabene.id)
• FATF guidance: who is a VASP in DeFi contexts. (fatf-gafi.org)
• Flashbots Protect: private mempool routing and revert protection; relayer policy features. (collective.flashbots.net)
• MPC performance/security properties (MPC‑CMP) and FROST RFC for Schnorr. (fireblocks.com)
• Safe modules: spending limits, delay/roles patterns, and module lifecycle. (help.safe.global)
• Uniswap Permit2 operational guidance (approvals, expirations, revocations). (api-docs.uniswap.org)

Related 7Block Labs services you may want next

• web3 development services
• security audit services
• blockchain integration
• blockchain bridge development
• cross‑chain solutions development
• dapp development
• DeFi development services
• smart contract development
• asset tokenization