| Custodial Wallet | Agentic Wallet | |
|---|---|---|
| Where are the assets held? | In a WhaleFin custody account | In your own on-chain address |
| Who can move the assets? | WhaleFin, following your instructions. Withdrawals require security verification. | Only you. The wallet key is split into two parts: one on your phone and one on the server. Neither part alone can move your assets. |
| How is each action confirmed? | Passkey (Face ID), or email / Google 2FA plus the last four digits of your ID | The same as Custodial Wallet withdrawals: Passkey (Face ID), or email / Google 2FA plus the last four digits of your ID |
| Main uses | Fiat deposits and withdrawals, crypto deposits and withdrawals, USD/USDC conversion, Card spending, existing orders | Sending and receiving on-chain, paying for on-chain products |
| Do I need a seed phrase? | No | No |
Which one should I use? Use the Custodial Wallet for everyday deposits, withdrawals and spending. When you subscribe to an on-chain product, you pay with the Agentic Wallet. You can transfer between the two wallets at any time.