Best smart accounts & multisig in 2026
Smart Accounts & Multisig evaluated across audit depth of the deployed version + real exploit history, upgrade control and key holders, recovery paths and their documented failure modes, and published cost and chains you can actually reach.
#1 of 7 · published ranking
Squads Protocol80ChainChoice Score
Why it leads
Best in the pool on contract security record and upgrade control
Cost
Not priced · No comparable price is published
7 compared Ranking-blind · 392 modules checked 2026-09-18Scored under methodology v2026.09.15 (2026-09-16)
7smart accounts & multisig · sorted by chainchoice score
ranked before any payout data is seen#ProviderScoreEvidenceKey strengths
2−2
no receipt file
Published cost and chains you can actually reachAudit depth of the deployed version + real exploit history
3−7
no receipt file
Recovery paths and their documented failure modesPublished cost and chains you can actually reach
4−5
no receipt file
Audit depth of the deployed version + real exploit historyPublished cost and chains you can actually reach
5−4
no receipt file
Audit depth of the deployed version + real exploit historyUpgrade control and key holders
Same score, not joint · ordered by weighted total (38.30 against 38.00)
6=
no receipt file
Audit depth of the deployed version + real exploit historyUpgrade control and key holders
7−5
no receipt file
Recovery paths and their documented failure modesPublished cost and chains you can actually reach
Ranking-blind — order computed before any payout data is joined
Below the table
How this ranking works
Everything the table draws on continues here: how firm the #1 is, the per-criterion arithmetic behind each score, who pays ChainChoice, and the full guide to choosing.
Direct answer
What is the best smart accounts & multisig in 2026?
Squads Protocol ranks #1 overall for smart accounts & multisig on ChainChoice. Solana multisig program with burned upgrade authority since November 2024. It holds that rank under an affiliate-blind methodology scored across 4 published, weighted criteria — the code that ranks providers physically cannot read affiliate payouts (CI-enforced), so a payout can't move a rank. The verdict re-computes on every fee change, incident, or regulatory action; full reasoning and the audit receipt are below.
Why this score4 published criteria · leads 2 of 4
Published criterionWtScore, and the best hereGap/10Pts
Audit depth of the deployed version + real exploit history8.4·910.1
Upgrade control and key holders6·108.0
Recovery paths and their documented failure modes4.8−531.9
Published cost and chains you can actually reach4.8−442.6
Σ methodology points22.6/32
Each bar is the score on that criterion’s own 0–10 scale, never rescaled to the pool. The dark line is the best any product here reached on that axis. Wt is the most the criterion can add to the 86-point weighted total. Pts is weight × score × 32; the sum is the methodology score, and each weighted point behind the leader costs 2.6 on the displayed score. how these are weighted
Considered and not ranked
8 products we looked at and left out
A shortlist is only honest if it says who it turned away. Each of these was assessed against the same published criteria as the ranked table and excluded for a stated reason — not overlooked.
We assessed 12 products here and rank 4 — 33% of what we looked at. That share is of the products we assessed, not of the category: how many exist is not something we can count, so we do not claim a number for it.
Pimlico· Ranked elsewhereNunchuk· Ranked elsewhereFireblocksTurnkey· Ranked elsewhereFordefiRhinestone· Ranked elsewhereMultisStackup· No longer operating
Why it ranks first
Why Squads Protocol leads this category right now
Solana multisig program with burned upgrade authority since November 2024. Strongest on upgrade control and key holders (10/10): The strongest posture available: Squads' own security docs state v4 is "immutable since November 2024, unalterable by Squads Labs or any third party" (v3: "immutable since February 2023"). The upgrade authority is burned, which is verifiable onchain rather than a promise. The honest tradeoff is that immutability is… Weakest on recovery paths and their documented failure modes (3/10): There is no recovery product. The FAQ's only relevant statement is architectural: "Squads vaults are not traditional hot wallets, they are PDAs (Program derived addresses). This means there are no private keys associated with them." That removes the vault-key problem but says nothing about a member losing their… Published price: Basic: "$0 / month" plus a one-time deployment fee — ".05 SOL" on squads.xyz/multisig, but "0.1 SOL" on the Squads docs pricing and costs pages. Pro: "$49 / month" ("Try free for 30 days"). Enterprise: "Custom".
Best for
Upgrade control and key holders — 10/10
Main tradeoff
Squads Labs has moved on. squads.xyz now leads with Altitude (business account), Fuse (consumer app) and Grid (stablecoin API); Multisig is one of four products and no longer the company's centre of gravity. Combine that with an immutable program nobody can patch and you are betting on code that cannot change, maintained by a company that already has.
Verify before signup
Basic: "$0 / month" plus a one-time deployment fee — ".05 SOL" on squads.xyz/multisig, but "0.1 SOL" on the Squads docs pricing and costs pages. Pro: "$49 / month" ("Try free for 30 days"), collected monthly in USDC through a spending limit. Enterprise: "Custom". Squads charges no transaction fees except Limit Orders at 0.25%; network fees go to Solana.
Recommendation summary
What should decide this category
How many signers do you have, and how many must approve before funds move?
Can your signers actually READ what they are approving, or are they trusting an interface?
Do you need broad multichain support or one ecosystem-first smart account?
Quick picks
Strong options in this category
Start with the lead choice first, then use the shortlist only if you still need a challenger or stronger fit for a specific setup.
Best overall
Squads Protocol
Solana multisig program with burned upgrade authority since November 2024
Solana multisig program with burned upgrade authority since November 2024. Strongest on upgrade control and key holders (10/10): The strongest posture available: Squads' own security docs state v4 is "immutable since November 2024, unalterable by Squads Labs or any third party" (v3: "immutable since February 2023"). The upgrade authority is burned, which is verifiable onchain rather than a promise. The honest tradeoff is that immutability is… Weakest on recovery paths and their documented failure modes (3/10): There is no recovery product. The FAQ's only relevant statement is architectural: "Squads vaults are not traditional hot wallets, they are PDAs (Program derived addresses). This means there are no private keys associated with them." That removes the vault-key problem but says nothing about a member losing their… Published price: Basic: "$0 / month" plus a one-time deployment fee — ".05 SOL" on squads.xyz/multisig, but "0.1 SOL" on the Squads docs pricing and costs pages. Pro: "$49 / month" ("Try free for 30 days"). Enterprise: "Custom".
Best for: Upgrade control and key holders — 10/10
Audit depth of the deployed version + real exploit history · 35%
9/10
Upgrade control and key holders · 25%
10/10
Recovery paths and their documented failure modes · 20%
3/10
Published cost and chains you can actually reach · 20%
4/10
Quick pick
Safe (formerly Gnosis Safe)
Owner-upgradeable proxy multisig contract, deployed across EVM chains
Owner-upgradeable proxy multisig contract, deployed across EVM chains. Strongest on published cost and chains you can actually reach (8/10): The supported-networks page returns 512 results, one card per network — an order of magnitude beyond anything else here. The wallet has no subscription, but the developer API is a paid product: Builder free (50K API calls, 5 RPS), Growth €199/month (1M calls, 15 RPS, 2 webhooks), Scale from €499/month (3M calls, 50 RPS, 10 webhooks… Weakest on upgrade control and key holders (5/10): Upgradeable by the owners, via delegatecall, with no timelock — and this is what cost Bybit $1.4B. NCC Group's teardown: the attacker's contract exposed a function "with the same signature as an ERC-20 transfer: transfer(address,uint256)" which executed "stor0 = _to", "modifying the value of the slot 0 of the… Published price: Safe{Wallet} carries no subscription (homepage: "0 AUM fees"). Native swaps carry a widget fee of 0.70% (up to $50,000), 0.35% (>$50,000–$100,000), 0.20% (>$100,000–$1,000,000) and 0.1% (>$1,000,000).
Best for: Published cost and chains you can actually reach — 8/10
Audit depth of the deployed version + real exploit history · 35%
7/10
Upgrade control and key holders · 25%
5/10
Recovery paths and their documented failure modes · 20%
7/10
Published cost and chains you can actually reach · 20%
8/10
Quick pick
Candide
ERC-4337 infrastructure plus the guardian recovery module Safe adopted
ERC-4337 infrastructure plus the guardian recovery module Safe adopted. Strongest on recovery paths and their documented failure modes (8/10): Best recovery design in the category and the only one adopted by Safe Foundation itself. Any Ethereum address can be a guardian — "family and friends' wallets, hardware wallets, institutions, or email/SMS cloud wallets" — with an owner-set threshold (typical setup 3 guardians, threshold 2, so no single guardian can… Weakest on upgrade control and key holders (4/10): Candide builds on Safe Accounts alongside ERC-4337 and EIP-7702 (docs banner: "ERC-4337 · EIP-7702 · Safe Accounts"), so it inherits Safe's slot-0 delegatecall upgrade exposure wholesale. No statement of upgrade rights over Candide's own modules appears anywhere in the fetched documentation — for infrastructure this… Published price: Starter: free — 2,500 mainnet UserOps as a 90-day trial, 2 mainnet chains. Launch: "$399/mo" — 100,000 UserOps/mo, 7 mainnet chains, "1M API requests/mo". Grow: "$899/mo" — 500,000 UserOps/mo, all mainnet chains, "99.0% uptime SLA".
Best for: Recovery paths and their documented failure modes — 8/10
Audit depth of the deployed version + real exploit history · 35%
5/10
Upgrade control and key holders · 25%
4/10
Recovery paths and their documented failure modes · 20%
8/10
Published cost and chains you can actually reach · 20%
6/10
Quick pick
Alchemy Smart Wallets (Account Kit)
ERC-4337 and ERC-6900 account contracts with hosted bundler and paymaster
ERC-4337 and ERC-6900 account contracts with hosted bundler and paymaster. Strongest on audit depth of the deployed version + real exploit history (7/10): Modular Account V2 has two dated audits published on the contract's own overview page: ChainLight, 3 December 2024, and Quantstamp, 11 December 2024. The prior Modular Account was reviewed by Spearbit and Quantstamp with "no major vulnerabilities discovered as part of either audit," backed by a bug bounty with rewards… Weakest on recovery paths and their documented failure modes (2/10): No recovery mechanism is documented on the smart-contract or wallet reference pages fetched. The product is framed as "Zero friction, sign-up to checkout" — a consumer onboarding stack — and social recovery, guardian sets and timelocks are absent from the contract documentation entirely. Published price: Free: "Free 30M CU per month", "25 requests per second", "5 apps & 5 webhooks". Pay as You Go: "$0.525/1M CUs" flat, starting from 300 requests/second. Enterprise: "Starting from 1000 requests/second", custom.
Best for: Audit depth of the deployed version + real exploit history — 7/10
Audit depth of the deployed version + real exploit history · 35%
7/10
Upgrade control and key holders · 25%
3/10
Recovery paths and their documented failure modes · 20%
2/10
Published cost and chains you can actually reach · 20%
6/10
Frequently asked
Questions people ask before choosing smart accounts
Free advisorNo signup needed
Still unsure? Get your best smart accounts pick
Answer a few quick questions and get one clear recommendation based on how you actually plan to use crypto — then review the evidence before deciding.
No signupFree first pass · PrivateNo spam · No account
Not financial advice · Independent · Always do your own research
Browse this network
How this ranking is built
Reviewed on audit depth of the deployed version + real exploit history, upgrade control and key holders, recovery paths and their documented failure modes, and published cost and chains you can actually reach.
Data checked Sep 2026 · Independent rankings · We show our work
Not financial advice · For informational purposes only · Always do your own research