Invisible Crypto: Wallet UX that feels like “login and go,” built on passkeys, smart accounts, and delegated execution—so users never “see” a wallet while your KPIs move up and to the right. Backed by 2025–2026 standards (EIP-7702, ERC‑5792/6900/7562) and real adoption data from FIDO, Coinbase, and Ethereum core upgrades. (blog.ethereum.org)

Title: “Invisible Crypto”: Designing Wallets That Users Don’t See

Hook — the headache you’re living with now

• Your “Web3 onboarding” still looks like 2019: extension prompts, seed phrases, and a failed passkey flow in iOS WebViews. Every extra click bleeds conversions, raises fraud exposure, and blocks procurement.
• Meanwhile, product leadership is asking for “one‑tap” signup, sponsored gas, subscriptions in USDC, and recovery that won’t nuke support SLAs. And engineering knows the trap door: mismatched curves (P‑256 vs secp256k1), private 4337 mempools, flaky passkey portability, and brand‑new EIPs shipping since May 7, 2025 (Pectra/EIP‑7702). (github.com)

Agitate — the risks if you ship the wrong wallet UX

• Missed deadlines: refactoring for Pectra’s EIP‑7702 after launch will derail Q2–Q3 2026 roadmaps (7702 introduces EOA→smart‑account delegation patterns you’ll want day one). (blog.ethereum.org)
• KPI drag: password/MFA login flows routinely underperform; passkeys show materially higher success rates and faster auth, with large enterprises reporting fewer help‑desk tickets and lower abandonment. If you don’t move, a competitor will. (fidoalliance.org)
• Support blowups: passkey portability and recovery edge cases are real. Vendors now sync passkeys across Windows and iOS/Android, and Google is shipping DBSC to kill cookie‑theft sessions—but you must design for the gaps. (windowscentral.com)
• Protocol risk: ERC‑4337 bundling is mostly “single‑op per bundle,” with reputation constraints (ERC‑7562) and still‑evolving mempools; naïve assumptions about inclusion and fees will bite you in production. (alchemy.com)

Solve — 7Block Labs’ “Invisible Wallet” methodology We design and ship wallet‑less UX where users authenticate with something they already trust (Face ID / Windows Hello / corporate SSO), while your app operates smart accounts under rigorous guardrails. Here’s our blueprint, tuned to 2026 standards and buyer KPIs.

1. Authentication layer: passkeys as the default, not an experiment

• Why: Passkeys (WebAuthn/FIDO2) now have mainstream enterprise and consumer momentum—87% of US/UK enterprises are deploying; 69%+ of consumers have enabled at least one; passkeys are “phishing‑resistant” and materially faster. Build your identity and session model around them. (fidoalliance.org)
• Device coverage: >95% of browsers can use passkeys; advanced capabilities (related‑origin requests, client hints) matured in 2025–2026. Plan for platform‑level nuances (Edge sync rollout on Windows 11; Apple iCloud Keychain escrow). (passkeys.dev)
• Session hardening: adopt Google’s Device‑Bound Session Credentials (DBSC) where you support Chrome/Workspace to shut down cookie theft vectors that defeat classic MFA. (theverge.com)
• Implementation notes we ship:
  • Conditional UI and autofill for “just login” experiences on desktop/mobile.
  • Enterprise SSO mapping to passkeys for employee wallets (AAL2 equivalence helps procurement).
  • Recovery and portability UX patterns with 1Password/Keychain/Google Password Manager fallbacks.

1. Key management layer: P‑256 passkeys + MPC where it pays off

• Pragmatic curve bridging: let users sign with P‑256 passkeys and verify inside your smart account via ERC‑1271. Coinbase’s Smart Wallet demonstrates multi‑owner support with P‑256 passkey owners encoded efficiently to minimize calldata on L2s. We implement similar verifiers or use audited modules. (github.com)
• When to add MPC‑TSS: for treasury, spend policies, or B2B shared control, we integrate proven MPC (e.g., Fireblocks MPC‑CMP; ZenGo‑style 2‑of‑2) with TEEs for share isolation. This avoids seed phrases while enabling policy‑based signing and business continuity. (fireblocks.com)
• Design guardrails:
  • Keep passkeys user‑side for convenience; layer MPC for high‑value operations and admin recovery.
  • Instrument audit trails across both passkey and MPC paths for forensics and procurement reviews.

1. Account layer: EIP‑7702 + ERC‑4337 today, modular tomorrow

• Baseline in 2026: Pectra shipped May 7, 2025. Use EIP‑7702 to temporarily endow EOAs with smart‑account logic (batching, sponsored gas), while remaining compatible with ERC‑4337 infra (userOps, bundlers, paymasters). This reduces migration friction and lets you add AA features to existing addresses. (blog.ethereum.org)
• Batch calls without bespoke glue: standardize on EIP‑5792 wallet_call for atomic, UX‑friendly actions (e.g., “approve + swap + stake” in one user confirmation). Wallets and major protocols increasingly support it. (eips.ethereum.org)
• Modular accounts for scale: choose a standard—ERC‑6900 (plugin/graph permissioning) or ERC‑7579 (minimal validators/executors/hooks). For production, we gate modules with ERC‑7484 attestation registries to prevent unsafe installs. (eips.ethereum.org)
• Reality of 4337 operations: plan for bundler reputation constraints and validation scope rules per ERC‑7562; simulate pre‑submission and budget ~42k gas overhead for base userOps vs ~21k for raw tx (varies by L2). We baseline SLAs with multiple bundlers and private relays. (docs.erc4337.io)
• Looking ahead: where you control the stack (L2/appchain), RIP‑7560 native AA simplifies gas and inclusion by moving validation into the protocol—worth tracking for 2026 pilots. (docs.erc4337.io)

1. Payments and fees: from “who pays gas?” to “user never sees gas”

• Sponsor gas predictably: implement paymasters with cost caps and analytics, not blank checks. Coinbase/CDP supports 7702‑upgraded EOAs; we configure conservative policies with per‑route subsidies tied to CAC/LTV models. (docs.cdp.coinbase.com)
• Subscriptions and stablecoins: integrate Stripe’s expanding crypto rails (USDC on Ethereum/Base/Polygon/Solana; Solana network support added Oct 29, 2025) for invisible, card‑like recurring payments where compliance teams are comfortable. (docs.stripe.com)
• Practical UX: on low‑fee L2s (Base, Optimism, Polygon), batch operations with EIP‑5792 and sponsor the entire flow; on L1, route to a “pay on L2” mirror to avoid surprise fees (users never see a gas prompt). (eips.ethereum.org)

1. Recovery and risk: design for the bad days

• Passkey recovery: codify “multi‑anchor” recovery (cloud‑synced passkeys + hardware key + OTP fallback), monitor enrollment health, and surface “Test your recovery” prompts inside settings. Use DBSC to neuter session hijack vectors. (theverge.com)
• ZK‑assisted flows where it fits: for “login without wallet” or light‑KYC use cases (games, social), Sui’s zkLogin proves OAuth identity without exposing credentials; app‑specific addresses preserve privacy. We port the pattern conceptually to EVM by anchoring OAuth → ZK proofs at the app layer where appropriate. (sui.io)
• Procurement‑friendly verification: Apple’s “Verify with Wallet on the Web” (digital IDs) can streamline age/ID checks in Safari and beyond—map this to your KYC orchestration to cut drop‑offs. (macrumors.com)

1. Implementation patterns we actually ship

• “One‑tap start” (consumer): WebAuthn conditional UI → create a 7702‑enabled smart account → EIP‑5792 batch to mint/approve → paymaster sponsors → user lands on success screen with no wallet chrome. (blog.ethereum.org)
• “B2B controlled signing” (fintech/treasury): employee passkeys (AAL2) + MPC policy gates (daily limits, counterparties) + ERC‑6900 modules (address book, spend caps) + ERC‑7484 attestations enforced at install. (eips.ethereum.org)
• “Gaming session keys”: time‑boxed permissions via session‑key plugins (ERC‑6900), revocable without user prompts; batch rewards via 5792; sponsor gas on L2. (erc6900.io)

Concrete, up‑to‑date technical details you can use tomorrow

• EIP‑7702 went live on Ethereum mainnet with Pectra (May 7, 2025). Use it to endow EOAs with smart‑account logic for a single tx—excellent for batched UX and gas sponsorship without forcing full migrations. (blog.ethereum.org)
• EIP‑5792 (Wallet Call API) is the portable way to do multi‑call UX across wallets; align your dApp to wallet_getCapabilities and wallet_sendCalls now. (eips.ethereum.org)
• Coinbase Smart Wallet design shows how P‑256 passkeys can co‑own an ERC‑4337 account; you can mirror this owner model or select a 6900 plugin that validates P‑256 via ERC‑1271. (github.com)
• ERC‑7562 reputation/validation rules are not optional—budget engineering time to comply or your userOps won’t propagate. Build simulation + fallback to direct L1 calls for failsafe flows. (docs.erc4337.io)
• Stripe’s crypto rails expanded in late 2025 (Solana support), making “invisible” on‑chain subscriptions viable for mainstream procurement. We route flows so users never handle wallets or seed phrases. (docs.stripe.com)

Proof — why “Invisible Wallets” convert

• Measurable auth uplift: Organizations reporting to the FIDO Alliance’s Passkey Index show materially higher login success (~93%) and 73% faster sign‑ins vs email/SMS—translating to higher funnel conversion and fewer support tickets. (fidoalliance.org)
• Market‑level readiness: Passkey eligibility now covers ~93% of accounts at participating providers; consumer awareness ~69%; enterprise deployment 87%+ in US/UK. You’re not early—you’re late if you haven’t shipped. (fidoalliance.org)
• Protocol‑level readiness: Ethereum shipped 7702; 5792 batching is standardized; 6900/7579 modular stacks and 7484 registries exist; native AA (RIP‑7560) is arriving on L2s. The standards you need are here. (blog.ethereum.org)

Target audience and the keywords they actually need

• Who this is for:
  • Heads of Product/Engineering at consumer fintechs, exchanges, and high‑volume marketplaces targeting EVM L2s.
  • Game studios and social apps needing “no‑wallet‑in‑sight” UX with revocable session keys.
  • Payments teams rolling out stablecoin subscriptions with procurement‑friendly controls.
• Keywords to include in your PRDs and RFPs:
  • WebAuthn (FIDO2) passkeys; AAL2 mapping; Device‑Bound Session Credentials (DBSC).
  • EIP‑7702 delegated execution; EIP‑5792 wallet_call; ERC‑6900/7579 modules; ERC‑7484 attestation registry; ERC‑7562 validation rules.
  • Paymaster gas sponsorship policies; P‑256 (secp256r1) passkey verification via ERC‑1271; multi‑owner smart accounts; MPC‑CMP with TEE isolation.
  • Stripe crypto payments (USDC) on Ethereum/Base/Polygon/Solana; batched actions on L2. (theverge.com)

Best emerging practices (2026 edition)

• Treat passkeys as your primary credential; make passwords and email links the fallback. Surface passkey creation at account‑creation moments for maximum enrollment. (fidoalliance.org)
• Use 7702 when you need EOA continuity plus smart‑account UX; use “full” 4337 accounts for complex permissioning and plugins; plan a clean path between them. (blog.ethereum.org)
• Conform to EIP‑5792 for multi‑call UX instead of custom batching glue; you’ll get wallet interoperability “for free.” (eips.ethereum.org)
• Pick one modular standard and enforce a registry: 6900 for granular policy graphs; 7579 for lightweight footprints; always gate installs with ERC‑7484 attestations. (eips.ethereum.org)
• Instrument paymasters like growth spend: cap per‑user/per‑route subsidies and A/B test “sponsor gas” vs “user pays stablecoin” on L2; show users $0.00 network fees. (docs.cdp.coinbase.com)
• Harden sessions with DBSC and require a second factor for high‑risk actions; run “recovery drills” UX so users validate their backup method. (theverge.com)
• For app‑layer “walletless” onboarding (social/gaming), evaluate zkLogin‑style flows—great for instant trials and closed‑loop assets—while providing export paths to standard wallets for power users. (sui.io)

Practical example: a 6‑week “Invisible Wallet” rollout on Base

• Week 1–2: Auth and account scaffolding
  • Implement passkey registration/login with conditional UI.
  • Deploy a 7702‑aware smart‑account implementation; map P‑256 passkey owners via ERC‑1271 verifier. (blog.ethereum.org)
• Week 3: Batching and gas
  • Migrate core flows to EIP‑5792 (approve+swap+stake); add a conservative paymaster that sponsors first N actions/user/day. (eips.ethereum.org)
• Week 4: Modules and limits
  • Install ERC‑6900 plugins for spend caps and address allowlists; enforce ERC‑7484 attestations at install. (eips.ethereum.org)
• Week 5: Payments
  • Wire Stripe’s crypto payment method for USDC and pilot subscriptions on Base; settlement in fiat is invisible to the user. (docs.stripe.com)
• Week 6: Recovery + analytics
  • Enable hardware‑key fallback, DBSC for Chrome sessions, and dashboards tracking success rate, time‑to‑first‑tx, and gas‑sponsorship ROI. (theverge.com)

Expected GTM metrics (what we commit to measuring)

• +15–30% improvement in login success within 30 days of passkeys‑first rollout; median sign‑in time down to single‑digit seconds, based on FIDO‑reported benchmarks. (fidoalliance.org)
• -25–40% reduction in auth‑related support tickets (password resets, OTP failures) within 60 days. (fidoalliance.org)
• +10–20% uplift in “first funded action” when batching with EIP‑5792 and sponsoring gas on L2 compared to legacy, multi‑prompt flows. (eips.ethereum.org)
• Conversion lift on subscriptions when routing USDC via Stripe (no wallet prompts, no seed phrases). We benchmark against your card‑on‑file baseline. (docs.stripe.com)

How we engage (and where to click)

• Architecture and delivery: Start with a 2‑week discovery and a sprint plan to ship an “invisible” flow. See our custom [blockchain development services] for end‑to‑end builds.
  https://7blocklabs.com/services/blockchain-development-services
• Smart‑account engineering: We implement and audit ERC‑6900/7579 modules, P‑256 verifiers, and paymasters—covered under our [smart contract development] and [security audit services].
  https://7blocklabs.com/solutions/smart-contract-development
  https://7blocklabs.com/services/security-audit-services
• Productized integration: We own EIP‑5792 migrations, bundler integrations, and Stripe crypto payment wiring under our [blockchain integration] and [web3 development services].
  https://7blocklabs.com/services/blockchain-integration
  https://7blocklabs.com/services/web3-development-services
• Cross‑chain roadmaps: If you’re eyeing Base/Polygon today and a native‑AA L2 tomorrow, we plan phased rollouts via our [cross‑chain solutions development].
  https://7blocklabs.com/services/cross-chain-solutions-development
• dApp UX: We ship the end‑to‑end invisible experience (one‑tap auth, batched actions, gasless routes) under our [dApp development] offering.
  https://7blocklabs.com/solutions/dapp-development

Final word — why work with 7Block Labs

• We don’t do “wallet popups.” We ship measurable business outcomes: faster auth, fewer tickets, higher funded conversions, safer recoveries—on standards your auditors will recognize and your engineers will appreciate.

CTA (specific and personal) If you’re a Head of Product targeting a Q2 2026 launch on Base/Polygon, with a mandate for one‑tap passkey onboarding and gas‑sponsored first actions, book a 45‑minute “Invisible Wallet” architecture review with our lead AA engineer this week—we’ll return a vetted EIP‑7702/5792 plan, module shortlist (ERC‑6900/7579), and a 6‑week ship schedule tailored to your funnel and Stripe integration. Let’s eliminate your wallet prompts and hit your activation KPI in the next sprint.