Scaling Smart Wallets: How To Build Onchain Infrastructure At Fintech Scale
summary
Squads reports its protocol already secures $10 billion secured and argues Solana smart accounts plus dynamic state compression cut the projected cost to deploy 52 million accounts from about $20M to $300, while a three‑signer deploy averages ~$0.35 today. The stack wires Solana wallets to fiat rails and tooling (Turnkey, Bridge) and indexes with Helius and Triton; the team publishes an open‑source neobank reference with 12 API endpoints showing payments, debit mandates and KYC flows functioning onchain.
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chapters (11)
- 0:00Introduction
- 0:42Consumer fintech scale challenges
- 1:50Security vs cost in wallets
- 3:12Smart accounts on Solana
- 4:58Dynamic rent optimization
- 5:41RPC latency on Solana
- 7:30Global financial connectivity
- 8:37Talent gap challenges
- 9:20Grid open finance API
- 10:26Demo showcase
- 11:08Call to action
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