For years, we’ve moved from physical wallets to mobile banking apps - and now, crypto wallets are quietly taking their place in everyday finance. According to recent data, more than 420 million people worldwide already use cryptocurrencies, and that number keeps growing as digital payments, savings, and transfers move onchain.
Last summer, my team ran a small research project - we noticed a clear trend: users are moving away from storing assets on exchanges and switching to daily-use crypto wallets. People want simplicity and control- the ability to pay, send, and save in $BTC or stablecoins, without complex interfaces or security risks.
Today, wallets aren’t just for traders. Users can pay for services, send funds to friends, or join crypto campaigns in a few taps - everything happens through intuitive apps with instant transactions and bank-level protection.
And behind many of these seamless experiences lies a powerful idea - Wallet-as-a-Service (WaaS). While users see only a clean interface, WaaS is what allows companies to build secure, fast, and scalable wallets without starting from zero.
How Wallet-as-a-Service (WaaS) Fits the Trend
Traditional wallets require managing private keys, constant updates, and sometimes even hardware. WaaS changes that. It’s a cloud-based infrastructure that lets companies integrate secure crypto wallets directly into their products - without building the entire system from scratch.
This model powers fintech apps, payment systems, and gaming platforms, giving users an easy and secure way to interact with digital assets. It combines speed, scalability, and compliance - all the complex backend work handled behind the scenes.
Here’s what makes it a real game-changer:
- •Instant payments - send or receive crypto within seconds.
- •No tech headaches - no seed phrases or manual setup.
- •All-in-one access - store, transfer, and manage multiple assets.
- •Security first - encryption, MFA, and compliance built in.
It’s worth noting that WaaS is a technology model, not a single product. Many companies have already built their own versions of it - each tailored for different audiences and use cases.
Let’s take a closer look at how Coinbase, WhiteBIT, and ZenGo are bringing this model to life in their own ways.
1. Coinbase Wallet (Base App): The Social Layer of Crypto
Coinbase recently reimagined its wallet as the Base App - a new onchain hub where finance meets community. Users can store coins, NFTs, and DeFi positions, buy, stake, and earn USDC rewards, and even connect socially by trading, posting, or playing within one ecosystem.
Coinbase is turning the crypto wallet into a lifestyle product - simple, engaging, and built for the next billion users.
WhiteBIT WaaS: The Engine Behind the Ecosystem
WhiteBIT WaaS serves as a key infrastructure layer for digital platforms, providing the technology that enables seamless wallet integration and asset management at scale. It’s designed for companies that want to integrate crypto wallets via a single API instead of building infrastructure from scratch. Fintech startups, crypto exchanges, gaming projects, and cross-border payment providers can all benefit from it - adding secure, compliant, and scalable wallet functionality without long development cycles or heavy infrastructure costs.
- •Security — multi-layer encryption and fraud prevention.
- •Compliance — built-in KYC, AML, and full regulatory alignment.
- •Scalability — automatic updates and seamless performance under high loads.
- •Multi-asset support — access to over 300 cryptocurrencies.
It’s an all-in-one solution that saves time, reduces costs, and lets businesses deliver crypto functionality safely and fast - while users enjoy a simple, secure experience.
3. ZenGo Wallet: Simplicity Without Compromise
ZenGo represents the other side of the spectrum - a wallet for everyday users who value simplicity and self-custody. It eliminates seed phrases with MPC (multi-party computation) technology, meaning there’s no single point of failure and no hardware required.
You can buy, sell, and swap more than 1,000 assets, including Bitcoin, Ethereum, and Solana, protected by biometric login and 24/7 support. ZenGo proves that security doesn’t have to come at the cost of usability.
Everyday Crypto Is Already Here
Crypto wallets are evolving from niche tools for traders into the next generation of financial apps. Whether it’s Coinbase’s Base App, WhiteBIT’s WaaS infrastructure, or ZenGo’s MPC simplicity, all are shaping a world where using crypto feels as natural as using a debit card. The era of everyday crypto isn’t coming - it’s already here.