Custodial Wallet for Investors

The Custodial Wallet feature is the cornerstone of OpenRWA’s "Wallet-less Onboarding" strategy. It allows you to offer a frictionless investment experience for non-technical users, letting them buy and manage assets using only an email and password, while the platform handles the blockchain complexity in the background.

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An Integrated Asset Wallet

When an investor invests on OpenRWA, they don’t need to be a blockchain expert to own digital assets. Our platform provides a Custodial Wallet that securely stores your tokens for them, accessible right from their account.

How it Works: The Investor’s Journey

From the investor’s perspective, the wallet is "invisible." Here is the workflow they experience, which you can monitor from your Admin Panel:

• Step 1: Fiat Purchase: The investor chooses an asset and pays via Credit Card, Debit Card (e.g., via Stripe).

• Step 2: Instant Provisioning: Upon successful payment, the system checks if the user has a wallet. If not, it automatically mints a Custodial Wallet linked to their account.

• Step 3: Asset Delivery: The platform transfers the RWA tokens directly into this new custodial address.

• Step 4: Management: The investor views their holdings in the "My Investment" or "My Wallet" section. They see a simplified dashboard with:

  • Balance Overview: Total value in your store’s currency (USD/EUR).

  • Token Details: Quantity and performance of each asset.

  • Transaction History: A clean log of all deposits and purchases.

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Technical Infrastructure

Wallet creation is event-driven. It is specifically triggered by the first transaction.

1. Identity Verification: The system ensures the user has completed the required KYC for your store.

2. Private Key Management: The platform’s secure infrastructure generates and stores the private keys. These keys never leave the secure environment, ensuring that users cannot "lose" their assets by losing a seed phrase.

3. Account Recovery: Because the keys are managed by the platform, you can support users who forget their passwords through standard email-based recovery.

ERC-3643 Compliance

Even though the platform holds the keys, the wallet is fully integrated with the ERC-3643 standard. Every custodial wallet is automatically bound to the investor’s digital identity (ONCHAINID).