Best mpc & embedded wallets in 2026

Institutional MPC; you can run your own signer nodes. Strongest on vendor-exit survivability (9/10): Signers can run in the buyer's own infrastructure ('You run all signers within your own data centers or private cloud. DFNS provides the software and API coordination, but all key shares remain under your control.'), and with Layer 4 backups the disaster-recovery docs state 'you can reconstruct your keys from only your private key and the backup files, even if DFNS is unavailable'. Layer 4 'requires a dedicated MPC cluster' and is enabled by contacting DFNS. Weakest on published pricing actionability (7/10): The pricing page publishes flat annual contract values with allowances — $800, $8,000 and $35,000 per year — and 'No AUM fees. No transaction fees.', but no per-unit rate or overage figure on any meter: additional wallets on Pro and Enterprise are 'priced on a volume basis' and higher signature volumes are 'Reach out to discuss your needs.' Published price: Starter $800/year ($200/quarter): 10 wallets, 1 user, 1 blockchain, 100 signatures/month. Basic $8,000/year ($2,000/quarter): 10,000 wallets, 3 users, 3 blockchains, 1,000 signatures/month.

Best for: Vendor-Exit Survivability — 9/10

Embedded MPC SDK, four shares, eject() returns a real private key. Strongest on key-share custody disclosure (9/10): The most explicit share topology published by anyone in this set: four key shares organised as 'two sets of key share pairs (parallel 2 of 2 threshold)' — a signing pair and a backup pair. The user's device holds the signing share in the mobile keychain, Portal stores an encrypted signing share, the user's encrypted… Vendor-exit survivability (7/10): with self-managed backups, eject combines the organisation-held custodian backup shares with the user's backup share, and the docs state 'The private key calculation operation happens on client side, and does not involve Portal’s servers.' The Portal-managed default needs a prepare-eject call authorised by the integrating organisation's own Custodian API Key, and eject is a metered operation. Weakest on cryptographic audit & soc 2 posture (7/10): One named implementation review — an 'external code review performed by NCC Group and audit of our implementation and mobile SDKs' (post dated April 4, 2023) — plus 'Portal is SOC 2 Type II certified', with the latest renewal dated August 6, 2024 and the auditor unnamed, and quarterly pen tests with no firm or date named. The MPC architecture page says 'Please reach out to learn more about our implementation and audits.' Both dated items are more than 24 months old. Published price: Developer: $0/month, first 100 operations free, first 25 embedded wallet operations free then $0.50 per overage, up to 50 Portal Wallets.

Best for: Key-Share Custody Disclosure — 9/10

Stripe-owned embedded wallets; Shamir shards, documented user key export. Strongest on cryptographic audit & soc 2 posture (8/10): The security page lists dated reviews — 'Cure 53 February 2023', 'Zellic June 2023', 'SwordBytes December 2023', 'Doyensec February 2024' — and 'SOC 2 Type II April 2026', and the open-source Shamir secret-sharing library was independently audited by Cure53 and Zellic. The newest dated third-party review is February 2024, more than 24 months before this read, and the cryptography-specific reviews date from 2023. Weakest on key-share custody disclosure (6/10): The architecture docs state that a wallet 'is split into two shares' — an enclave share 'secured directly by the trusted execution environment' and an auth share 'encrypted and stored by Privy' — and that 'This is a 2-of-2 share set'. Both shares sit inside Privy's boundary, so neither the developer nor the end user holds a share independently. Published price: Developer: free, 0–499 MAU, '50K signatures and $1M transaction volume for free every month'. Core: '500 – 2,499' MAU, $299/month.

Best for: Cryptographic Audit & SOC 2 Posture — 8/10

TEE enclaves rather than MPC; per-signature pricing, four named audits. Strongest on cryptographic audit & soc 2 posture (8/10): Homepage states 'SOC 2 Type II audited' and names four independent firms — Distrust, Cure53, Trail of Bits and Zellic. Runs a bug bounty paying up to $50,000 with PGP-encrypted submission for critical reports. The Trust Center lists 'SDK Crypto Code Review - Trail of Bits' and 'QOS Code Review - Trail of Bits', but every report sits behind 'Request access' and no date, scope summary or SOC 2 auditor is published. QuorumOS provides remote attestation of the code running in enclaves before… Weakest on key-share custody disclosure (5/10): Material category mismatch that the buyer should know before shortlisting: Turnkey does not use MPC. It runs 'all critical workloads in Secure Enclaves, a type of Trusted Execution Environment' — specifically AWS Nitro Enclaves — where keys are generated and never decrypted outside the enclave boundary. The trust… Published price: Pay as You Go: '$0.10 / signature' after '25 free signatures per month', 'Up to 1k free wallets'. Pro: '$99/mo.' minimum, '$0.05 / signature', 'Up to 2k free wallets'.

Best for: Cryptographic Audit & SOC 2 Posture — 8/10