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Comparisons

Account Abstraction Bundlers vs Direct RPC Calls: Infrastructure Layer

A technical comparison of the security, decentralization, and operational trade-offs between using an ERC-4337 bundler service and submitting transactions directly to a node for smart contract wallet infrastructure.
Chainscore © 2026
introduction
THE ANALYSIS

Introduction: The Infrastructure Choice for Smart Contract Wallets

Choosing between a dedicated bundler service and direct RPC calls defines the performance, cost, and user experience of your Account Abstraction (ERC-4337) stack.

Account Abstraction Bundlers (e.g., Stackup, Alchemy, Biconomy) excel at operational simplicity and user experience by handling complex transaction orchestration. They manage UserOperation mempools, simulate execution, and batch transactions, which can reduce gas costs by up to 30% for multi-op sequences. This abstraction allows developers to focus on application logic while leveraging the bundler's high uptime SLAs and global infrastructure.

Direct RPC Calls (to providers like Infura, QuickNode, or a dedicated node) take a different approach by providing raw, low-level control. This strategy results in a trade-off: you gain fine-grained control over transaction lifecycle and avoid third-party dependencies, but you must build and maintain the bundling logic, pay-per-call RPC fees, and manage your own UserOperation mempool, which adds significant engineering overhead.

The key trade-off: If your priority is developer velocity, cost-optimized batching, and guaranteed reliability for mainstream users, choose a managed Bundler service. If you prioritize maximum control, custom fee logic, and infrastructure independence for a highly specialized protocol, choose Direct RPC calls and invest in building your own bundler logic.

tldr-summary
Infrastructure Layer

TL;DR: Key Differentiators at a Glance

A direct comparison of the core trade-offs between using a dedicated AA bundler service versus making direct RPC calls to a node provider.

03

AA Bundler Advantage:

Developer Velocity & Reliability: Offloads UserOperation mempool management, paymaster orchestration, and signature aggregation. Services guarantee >99.9% uptime and handle edge cases. This reduces devops overhead for teams building quickly on ERC-4337 standards.

04

Direct RPC Advantage:

Cost Efficiency & Latency: Eliminates the bundler service fee layer (often 5-15% premium). Direct node calls (via Alchemy, Infura, QuickNode) provide sub-100ms latency for simple transfers. Critical for protocols where transaction volume directly erodes margins.

HEAD-TO-HEAD INFRASTRUCTURE COMPARISON

Account Abstraction Bundlers vs Direct RPC Calls

Direct comparison of key metrics and features for user operation execution.

Metric / FeatureAccount Abstraction BundlerDirect RPC Call

Primary Function

Execute UserOperations (UserOps) via EntryPoint

Execute standard transactions (eth_sendTransaction)

Gas Sponsorship (Paymaster)

Batch Transaction Support

Avg. Latency Overhead

~200-500 ms

< 50 ms

Fee Model

Bundler fee + network gas

Network gas only

Smart Account Required

ERC-4337 Standard Compliance

Infrastructure Complexity

High (requires bundler, paymaster, indexer)

Low (direct node connection)

ACCOUNT ABSTRACTION BUNDLERS VS DIRECT RPC CALLS

Security & Decentralization Analysis

Infrastructure layer comparison for transaction handling, security, and decentralization.

Metric / FeatureAccount Abstraction BundlersDirect RPC Calls

Transaction Validation & Execution

Bundler logic + Paymaster policies

Direct EVM/SVM execution

Censorship Resistance

Depends on bundler set (e.g., Pimlico, Stackup)

Direct peer-to-peer network

Fee Payment Flexibility

true (ERC-4337 Paymaster)

false (Native token only)

Infrastructure Centralization Risk

Medium (Reliant on bundler services)

Low (Direct node access)

Average Latency Overhead

200-500 ms

< 50 ms

Smart Account Requirement

true (ERC-4337)

false (EOA)

Gas Sponsorship Support

pros-cons-a
Infrastructure Layer Decision

Pros and Cons: Account Abstraction Bundlers

Key strengths and trade-offs between using a dedicated bundler service versus direct RPC calls for ERC-4337 account abstraction.

01

Bundler: Enhanced User Experience

Enables complex transaction flows: Supports gas sponsorship, batched operations, and session keys natively. This matters for dApps requiring seamless onboarding (e.g., social login) or complex DeFi interactions without multiple wallet pop-ups.

1-Click
Tx Complexity
03

Direct RPC: Maximum Control & Cost

Eliminates third-party fees: Bypasses bundler service margins, paying only base network gas. This matters for high-volume applications (e.g., gaming, mass airdrops) where every basis point in cost reduction is critical.

~0%
Service Fee
04

Direct RPC: Architectural Simplicity

Reduces dependency surface: Interacts directly with the blockchain via standard RPC (eth_sendUserOperation). This matters for teams with deep infra expertise who want to avoid integrating and auditing another external service's API and SDK.

05

Bundler: Paymaster Integration

Simplified gas abstraction: Built-in, secure integration with paymaster contracts for sponsored transactions or gas payment in ERC-20 tokens. This matters for consumer apps aiming for a Web2-like experience where users don't need native ETH.

06

Direct RPC: Protocol-Level Flexibility

Full control over bundling logic: Can implement custom bundling strategies, priority fee auctions, or censorship resistance. This matters for protocols with unique economic models or those building novel AA-powered primitives.

pros-cons-b
Infrastructure Layer Comparison

Pros and Cons: Direct RPC Calls

Key strengths and trade-offs at a glance for the foundational layer of user interaction.

01

Direct RPC: Maximum Control

Direct node access: You own the full request/response flow, enabling custom caching, logging, and error handling. This matters for protocols requiring deterministic latency (e.g., high-frequency DEX arbitrage bots) or those with custom gas estimation logic.

02

Direct RPC: Cost Predictability

No bundler markup: You pay only the network's base gas fees. With a dedicated RPC endpoint (e.g., Alchemy, Infura Premium), costs scale linearly with transaction volume. This is critical for high-volume applications like NFT marketplaces or gaming protocols where per-op margins are thin.

03

Bundler: User Experience (UX) Abstraction

Gas sponsorship & batched ops: Bundlers (like Stackup, Biconomy, Alchemy's AA) enable gasless transactions and multi-op bundles via ERC-4337. This matters for mass-market dApps (social, gaming) where onboarding users without native tokens is a primary growth metric.

04

Bundler: Security & Flexibility

Paymaster integration & signature agility: Decouples transaction payment from the signer and supports non-ECDSA signatures (e.g., passkeys). This is essential for enterprise custody solutions (Safe{Wallet}) and recovery scenarios, shifting security logic to the contract layer.

CHOOSE YOUR PRIORITY

When to Choose: Decision Framework by Use Case

Bundlers for Mass Adoption

Verdict: Essential. Bundlers (like Stackup, Pimlico, Alchemy Account Kit) are non-negotiable for onboarding mainstream users. They enable sponsored transactions (gasless UX), session keys (auto-approvals for games/social), and batched operations (multiple actions in one click). This abstracts away crypto complexities like seed phrases and gas fees, directly addressing the biggest UX barriers.

Direct RPC for Mass Adoption

Verdict: Insufficient. Direct RPC calls (via Alchemy, Infura, QuickNode) require users to manage private keys, understand gas, and sign every action. This creates friction that hinders growth for consumer dApps targeting non-crypto natives. It's the infrastructure for the current state, not the aspirational one.

verdict
THE ANALYSIS

Final Verdict and Strategic Recommendation

A data-driven conclusion on selecting the optimal infrastructure layer for user operations.

Account Abstraction Bundlers (like Pimlico, Stackup, Alchemy's Account Kit) excel at delivering a seamless, gas-abstracted user experience by handling transaction batching, gas sponsorship, and paymaster integration. This is critical for mainstream adoption, as seen in applications like Friend.tech and CyberConnect, where user onboarding friction is near-zero. Bundlers provide a higher-level abstraction, managing nonce ordering and fee logic, which can improve reliability for complex user operations (UserOps) at the cost of introducing a trusted intermediary layer and potential latency from bundler competition.

Direct RPC Calls to node providers (Infura, Alchemy, QuickNode) take a different approach by providing raw, low-level access to the Ethereum Virtual Machine. This results in maximum control, deterministic latency (often sub-100ms for simple eth_sendRawTransaction), and direct fee management. The trade-off is that your application must handle all complexity: gas estimation, nonce management, and failed transaction logic. This approach is proven at scale, supporting the vast majority of DeFi protocols like Uniswap and Aave, where every micro-optimization and cost basis matters.

The key trade-off is between Developer Experience/User Experience (DX/UX) and Control/Cost. If your priority is rapid iteration, gasless onboarding, and complex transaction flows (e.g., social recovery, session keys), choose a Bundler. If you prioritize maximum performance predictability, minimal latency, and granular cost optimization for a known set of EOAs (Externally Owned Accounts), choose Direct RPC. For many teams, a hybrid strategy is optimal: using a bundler for user-facing features while maintaining direct RPC for critical backend settlements, leveraging the strengths of both infrastructure layers.

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