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Free 30-min Web3 Consultation
Book Consultation
Smart Contract Security Audits
View Audit Services
Custom DeFi Protocol Development
Explore DeFi
Full-Stack Web3 dApp Development
View App Services
Free 30-min Web3 Consultation
Book Consultation
Smart Contract Security Audits
View Audit Services
Custom DeFi Protocol Development
Explore DeFi
Full-Stack Web3 dApp Development
View App Services
Free 30-min Web3 Consultation
Book Consultation
Smart Contract Security Audits
View Audit Services
Custom DeFi Protocol Development
Explore DeFi
Full-Stack Web3 dApp Development
View App Services
LABS
Services

Decentralized Identity-Linked Sub-Wallet Systems

We architect and deploy secure sub-account systems where wallet permissions and financial features are programmatically gated by verifiable credentials (VCs) or decentralized identifiers (DIDs), enabling precise, auditable role-based access for NeoBanks and FinTechs.
Chainscore © 2026
overview
CORE SERVICE

Smart Contract Development

Secure, production-ready smart contracts built for scale and compliance.

We architect and deploy custom smart contracts that power your core business logic. Our development process is built on security-first principles, utilizing OpenZeppelin libraries, formal verification, and comprehensive audit trails to mitigate risk.

  • Full-Stack Development: From ERC-20/721/1155 tokens to complex DeFi protocols and DAO governance systems.
  • Rapid MVP Delivery: Go from concept to testnet in as little as 2 weeks with our battle-tested templates.
  • Enterprise-Grade Security: Multi-signature deployment, gas optimization, and integration with monitoring tools like Tenderly and Forta.

We deliver contracts that are not just functional, but are audit-ready and designed for long-term maintainability, reducing your technical debt and security vulnerabilities.

key-features-cards
ENTERPRISE-GRADE INFRASTRUCTURE

Core Technical Capabilities We Deliver

We architect and deploy secure, scalable sub-wallet systems that integrate seamlessly with existing identity frameworks, enabling compliant user onboarding and granular asset management.

01

ERC-4337 Smart Account Integration

Deploy ERC-4337 compliant smart contract wallets with social recovery, session keys, and batched transactions. We implement gas sponsorship models and bundler/paymaster infrastructure to abstract blockchain complexity for end-users.

< 1 sec
UserOp Execution
ERC-4337
Standard
02

Decentralized Identity (DID) Linking

Integrate with W3C DID standards (did:ethr, did:key) and Verifiable Credentials to anchor sub-wallets to reusable identity. We ensure interoperability with existing KYC/AML providers and SSO systems for enterprise compliance.

W3C Compliant
DID Standard
OIDC/SAML
SSO Bridge
03

Multi-Chain & Cross-Chain Sub-Wallet Orchestration

Manage sub-wallet deployments across EVM (Ethereum, Polygon, Arbitrum) and non-EVM (Solana, Cosmos) chains from a single identity. We implement secure cross-chain messaging (CCIP, LayerZero) for unified asset visibility and control.

10+ Chains
Supported
CCIP/Axelar
Bridge Protocol
04

Policy Engine & Compliance Automation

Embed programmable spending limits, transaction whitelists, and multi-signature rules at the sub-wallet level. Our systems automate regulatory reporting and integrate with Chainalysis or Elliptic for real-time risk scoring.

Real-time
Risk Scoring
Granular
Permission Sets
05

High-Availability Key Management

Implement secure, non-custodial key derivation using MPC (Multi-Party Computation) or AWS/GCP HSM integrations. We design for zero single-point-of-failure with geographic distribution and automated backup/recovery workflows.

99.95% SLA
Uptime
MPC/HSM
Security Tier
06

Developer SDK & API Gateway

Provide a fully-documented TypeScript/Go SDK and REST/GraphQL APIs for programmatic sub-wallet creation, transaction simulation, and event monitoring. Includes webhook integrations and developer dashboard for operational oversight.

< 100ms
API Latency
TypeScript/Go
SDK Support
benefits
DELIVERABLES

Business Outcomes for Your NeoBank

Our Decentralized Identity-Linked Sub-Wallet System delivers measurable results, from enhanced security to new revenue streams. Here’s what you can expect.

01

Enhanced Security & Reduced Fraud

Implement MPC-based sub-wallets with zero-knowledge proofs for user verification. Isolate user funds from the main treasury, reducing single-point-of-failure risk and slashing fraud-related losses.

99.9%
Uptime SLA
SOC 2 Type II
Compliance
02

Accelerated Time-to-Market

Deploy a production-ready sub-wallet system in weeks, not months. We provide a modular SDK and pre-audited smart contract templates for EVM and Solana, allowing your team to focus on core banking features.

< 4 weeks
Deployment
10+
Chain Integrations
03

New Revenue Streams

Enable embedded DeFi yields, NFT marketplaces, and cross-border crypto payments directly within your app. Our system handles the complex blockchain interactions, letting you monetize new user behaviors.

15-30%
ARPU Increase
0.1%
Swap Fee Revenue
05

Superior User Experience

Offer seamless, non-custodial crypto management without seed phrases. Users get familiar bank-like controls (spending limits, transaction approvals) paired with Web3's self-sovereignty.

< 60 sec
Onboarding
95%+
Retention
06

Enterprise-Grade Infrastructure

Run on our managed RPC nodes with 99.9% SLA, multi-cloud redundancy, and real-time health monitoring. We handle gas optimization, transaction queuing, and failover so you don't have to.

99.9%
Uptime SLA
< 1 sec
RPC Latency
Choose Your Implementation Path

Structured Development Tiers

Compare our tiered service packages for deploying a secure, scalable decentralized identity-linked sub-wallet system. Each tier includes core smart contract development with increasing levels of support, security, and operational management.

Core DeliverablesStarterProfessionalEnterprise

Custom DID & Sub-Wallet Smart Contracts

On-Chain Permission & Recovery Logic

Gas-Optimized Architecture Review

Third-Party Security Audit (1 Firm)

Multi-Chain Deployment (EVM)

1 Network

Up to 3 Networks

Unlimited

Integration SDK & API

Basic

Advanced with Examples

Full White-Label

Deployment & Configuration Support

Self-Service

Guided

Fully Managed

Post-Launch Monitoring & Alerting

30 Days

6 Months

24/7 with SLA

Incident Response Time

Best Effort

< 24 Hours

< 1 Hour

Ongoing Protocol Upgrades

Optional

Included

Estimated Timeline

6-8 Weeks

8-12 Weeks

12-16 Weeks

Starting Price

$50K

$150K

Custom Quote

how-we-deliver
PREDICTABLE, SECURE, SCALABLE

Our Development & Integration Process

A structured, four-phase approach designed for technical leaders who need reliable, auditable, and production-ready identity wallet systems without compromising on security or speed.

01

Architecture & Specification

We begin with a deep technical discovery to define your sub-wallet logic, key management strategy, and integration points with your existing identity layer (e.g., OIDC, SIWE, Verifiable Credentials). Deliverables include a detailed technical spec and system architecture diagram.

1-2 weeks
Specification Phase
Zero
Technical Debt Introduced
02

Smart Contract & Protocol Development

Our engineers build the core smart contracts for wallet factories, permission rules, and recovery modules using Solidity 0.8+ with OpenZeppelin libraries. Every contract undergoes static analysis and preliminary internal review before audit.

Gas-Optimized
Contract Design
OpenZeppelin
Security Foundation
03

Security Audit & Formal Verification

All contract logic and access control systems undergo a rigorous audit by our partner security firms. We provide a comprehensive report and implement all critical recommendations before any deployment to testnet.

Third-Party
Security Audit
100%
Critical Fixes Guaranteed
04

Deployment & Integration Support

We manage the secure deployment to your chosen network (EVM-compatible L1/L2) and provide SDKs, API documentation, and developer support for seamless integration into your frontend and backend services.

< 72 hours
Production Deployment
24/7
Launch Support
Infrastructure Decision Matrix

Build vs. Buy: Custom Development vs. Generic SDKs

A detailed comparison of the time, cost, and risk involved in building a decentralized identity-linked sub-wallet system from scratch versus partnering with Chainscore Labs for a custom, production-ready solution.

Key FactorBuild In-HouseGeneric SDK/APIChainscore Custom Solution

Time to Production

6-12+ months

2-4 months

4-8 weeks

Initial Development Cost

$250K - $750K+

$50K - $150K

$75K - $200K

Security & Audit Burden

High (Your responsibility)

Medium (Shared risk)

Low (Pre-audited, insured)

Protocol Flexibility

Full (You build it)

Low (Vendor's roadmap)

High (Tailored to your stack)

Ongoing Maintenance & Upgrades

Your team, full-time

Vendor updates, limited control

Managed SLA, custom roadmaps

Identity Standard Support

Custom implementation

Limited (e.g., only Verifiable Credentials)

Multi-standard (VCs, SBTs, OIDC, SIWE)

Sub-Wallet Feature Depth

Designed from scratch

Basic multi-sig, limited logic

Granular policies, social recovery, automation

Integration Complexity

High (R&D heavy)

Moderate (Documentation dependent)

Low (Dedicated engineering support)

Total Cost of Ownership (Year 1)

$400K - $1M+

$100K - $300K

$150K - $350K

Recommended For

Protocols with massive, unique scale needs

MVPs or non-critical internal tools

FinTechs & startups launching secure, scalable products

Decentralized Identity & Sub-Wallet Systems

Frequently Asked Questions

Get clear answers on how we build secure, scalable identity-linked wallet architectures for your Web3 application.

It's a secure architecture where a user's primary identity (like a wallet or DID) controls multiple, purpose-specific sub-wallets. This enables granular permissions, automated fund flows, and enhanced security by isolating assets and transaction types. We build these using standards like ERC-4337 for account abstraction, ERC-6551 for token-bound accounts, and verifiable credentials for identity.

ENQUIRY

Get In Touch
today.

Our experts will offer a free quote and a 30min call to discuss your project.

NDA Protected
24h Response
Directly to Engineering Team
10+
Protocols Shipped
$20M+
TVL Overall
NDA Protected Directly to Engineering Team
Decentralized Identity-Linked Sub-Wallet Systems | Chainscore Labs | ChainScore Guides