Most Web3 users still juggle fragmented wallets, seed phrases, and insecure SaaS-based custody systems that give apps too much control over their assets. This wallet fragmentation has slowed mainstream adoption and introduced new attack surfaces across the ecosystem. A new protocol-level alternative, Wallet-as-a-Protocol (WaaP), is now aiming to fix this by replacing today’s plugin-based and vendor-locked wallets with a unified, self-custodial architecture designed for real interoperability.
Human.tech by Holonym has launched Wallet-as-a-Protocol, or WaaP, a new architecture designed to replace today’s browser-based and vendor-controlled crypto wallets. The project aims to resolve long-standing issues in Web3 onboarding, including fragmented accounts, centralized custody, and security risks across wallet providers.
The company argues that most Wallet-as-a-Service models rely on centralized servers that grant applications broad control over user assets. These systems often charge developers per user, create identity silos, and require separate wallets for different applications due to phishing and draining risks. This setup conflicts with Web3’s goal of interoperable, portable digital ownership.
WaaP introduces a protocol-level alternative that removes the need for browser plugins or closed SaaS integrations. The system uses a two-party computation model that splits custody between the user and client. This approach aims to reduce theft risks while eliminating reliance on a single vendor or backend provider.
The protocol supports logins through mainstream tools such as Google, email, or phone numbers. Users can recover access through social methods, biometrics, or two-factor authentication, removing the need for seed phrases. WaaP also provides onchain policy controls, enabling transaction limits, multi-factor prompts, and allowlists enforced directly at the protocol level.
Developers can integrate WaaP without paying subscription fees, according to the team. The protocol offers a universal wallet that works across all applications without generating separate keys. Embedded tools include 2PC-based signing simulations to prevent blind signature attacks and a Gas Tank system that lets projects subsidize user gas fees across different chains.
Over 2 million users are already transitioning to WaaP-powered systems through partners such as Ika, the company mentioned in a press release shared with AlexaBlockchain. The company reports that additional deployments are underway for trading platforms and humanitarian programs in African markets.
Human.tech describe it as a shift toward “real self-custody,” where identity, assets, and permissions follow the user across applications. The design seeks to reduce friction in onboarding while maintaining Web3’s core principles around user control and security.
Holonym’s human.tech initiative provides identity, wallet, and governance tooling aimed at improving digital infrastructure for large-scale use. The company positions WaaP as a foundational component for applications seeking to move away from centralized wallet solutions and toward open, interoperable standards for onchain access.
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