A self-custody crypto wallet that keeps the client inside Swissquote.
1 · The problem
To own their keys, the client must take the money out. Swissquote loses the client, the client loses the protection.
The client owns the key and can use it anywhere, but the wallet lives in the Swissquote app, with its checks and its help.
Goal: give the client their private key without making them leave Swissquote.
2 · Options we considered
12 words on paper. Lose them or get phished: the money is gone. Exactly what clients fear.
That is today's custody. The client never really owns anything.
The wallet is a smart contract, unlocked by Face ID. Elegant, but Ethereum only: it does not exist on Bitcoin.
The key is cut in pieces, then put back together to sign, inside a sealed server chip (TEE). The full key exists again, at each signature.
MPC: the key is never whole, not at creation, not when signing. It works the same on Bitcoin, Ethereum and Solana.
2 · The technology
The private key is never created whole. Each side generates its own secret piece, and the two pieces compute a signature together without ever being shown to each other. Only the address is public.
To send money, the client needs all three:
2 · Our provider
The key is never put back together, not even inside its secure chip. Other providers, like Privy, rebuild the full key to sign.
One account, three wallets, the same security everywhere. Smart accounts only cover Ethereum.
Dynamic accepts the Swissquote sign-in, and signs only with Swissquote's one-time OK. Tested: without it, Dynamic refuses.
Built-in key export: the client can take the full key at any time. That is what makes it real self-custody.
About the TEE. Dynamic adds a secure chip around its own piece only, as an extra lock. The security does not rely on it: even if that chip were broken, the attacker would hold one piece, useless without the client's.
3 · How it works
The client signs in with their Swissquote account. Swissquote vouches for them to Dynamic.
A secret only the client knows. It locks their piece of the key. Swissquote never sees it.
Three wallets, Bitcoin, Ethereum and Solana, created directly in two pieces.
Face ID or fingerprint, registered with Swissquote. It will approve every transfer.
Two secrets, two roles. The passcode opens the client's piece of the key. The passkey (Face ID) proves to Swissquote that it is really them.
3 · How it works
4 · Freedom and protection
Use a dApp Swissquote does not allow, or another wallet.
Free to go, anytime.
New phone, same wallet.
Same wallet, same addresses.
A thief has the email and the password.
The thief leaves with nothing.
5 · Compliance
The rules run before the signature, not after the money has left.
Swissquote has no piece of the key: it can refuse a transfer, never make one.
Each decision goes into an audit log that cannot be edited quietly.
6 · Business model
Today, a client who wants their own keys leaves with their crypto. With creeps, they get their keys and stay: the wallet sits one tap from their Swissquote account.
Crypto users who refuse to leave their keys with a bank finally have a reason to join: their keys, with a Swiss bank's protection.
A subscription where Swissquote pays the gas fees: clients send crypto without first buying ETH or SOL.
Live demo: create → send → lose the phone → recover.