Set it once.Your wallet pays the rest.
Every self-custody wallet can pay when you tap approve. SpendLayer is the one that can also pay on a schedule — subscriptions, memberships, plans — inside limits you authorise on-chain and revoke whenever you like. Your key is encrypted with your password — we cannot decrypt it.
Three steps, then it runs itself
01
Create your smart wallet — your key is encrypted with a password only you hold
02
Add funds — crypto you already hold, or buy in-app
03
Authorise a mandate — amount, frequency, end date, ceiling
The one thing your current wallet cannot do
Other self-custody wallets are built on push payments: you start it, you sign it, every single time. That works for trading. It does not work for anything that repeats.
BlockDebit™
Recurring payments that run themselves. A mandate is a rule you sign once — this payee, this much, this often, never above this ceiling — enforced by the blockchain, not by our servers.
Mandate Manager
Every active authorisation in one list: what you approved, what has been collected, and a revoke button on each. Stopping one takes a tap and no email to anyone.
Multi-Chain Support
EVM networks including Ethereum, Polygon and BSC, with Polygon preferred for low network fees.
Web3 Integration
Connect to the dApps, marketplaces and protocols you already use — nothing about self-custody changes.
Introducing
BlockDebit™
The engine behind recurring payments in SpendLayer. You sign a rule once — who may collect, how much, how often, and the ceiling they can never exceed — and the blockchain enforces it from then on. It is the delegated-authority model Visa's published research identified as the missing piece for self-custodial wallets.
Your Assets, Your Control
Control you can verify, not security you have to take on trust
Non-Custodial
Your key is encrypted with your password, which we do not hold. We never have access to your funds.
Verifiable
The contracts enforcing your mandates are public and readable on-chain.
Limits You Set
No payee can ever collect outside the amount and frequency you approved.
Revoke Any Time
Cancel a mandate from your wallet. It stops immediately, with no payee involved.
Frequently asked questions
Still have questions?
Can’t find the answer to your question? Send us an email and we’ll get back to you as soon as possible!
All three are self-custody wallets, and all three let you buy and swap. The difference is what happens when a payment repeats. MetaMask, Exodus and every other self-custody wallet are built on push payments — you initiate and sign each one, every time. There is no way to authorise a payment that happens next month without you.
SpendLayer adds pull payments. You sign a mandate once, defining the payee, the amount, how often and for how long, and collection then happens within those limits without further approval. Nothing else about self-custody changes: you still hold your keys, and you can revoke the mandate at any moment.
A mandate is a rule you sign once. It records who may collect, how much, how often, until when, and the ceiling that can never be exceeded. Once signed, that payee can collect inside those limits and nowhere outside them — the contract rejects anything else.
You can see every active mandate in your wallet, including exactly what you approved and what has been collected so far, and revoke any of them instantly. Revocation is unilateral: it takes effect on-chain, and you never need to contact the payee or ask anyone's permission.
No. Your private key is held only in encrypted form, encrypted with your password. We do not hold your password, so we cannot decrypt your key, move your funds or freeze them, and we hold no balance on your behalf at any point.
This is also why mandates are enforced on-chain rather than in our systems. The limits you set are checked by the contract itself, so they hold whether or not SpendLayer is running — and we could not collect outside them even if we wanted to.
SpendLayer operates on EVM-compatible networks and supports ERC-20 tokens, with Polygon as the preferred network because network fees there are low enough that recurring payments of everyday size make sense.
Support for additional EVM networks depends on your wallet configuration. Recurring payments work identically across supported chains.
SpendLayer integrates a curated selection of third-party services directly within the wallet interface, including on-ramping (converting fiat to crypto), off-ramping (converting crypto back to fiat), crypto-to-crypto swapping, and staking. These services are provided entirely by regulated third-party providers — SpendLayer does not operate as an exchange, ramp, or staking provider itself.
Each provider operates under their own Terms & Conditions, KYC requirements, and risk appetite. SpendLayer uses smart routing to connect users to approved, compliant providers — but the provision of any service, and its availability to you, is subject to the relevant provider's own policies and regulatory authorisations.
Your key is stored encrypted with your password. We do not hold your password, so we cannot decrypt your key, reset it or restore access — and neither can anyone else.
Export your private key when you set up your wallet and keep the export somewhere only you can reach. That export is the only way back in if you lose your password.
Your payments and mandates are recorded on a public blockchain. The record shows wallet addresses rather than names, but anyone can read it, and it is permanent — nobody can edit or delete it, including us.
If someone can link your wallet address to you, they can see what that wallet does. Worth keeping in mind before you authorise a mandate.
The SpendLayer wallet is available broadly. The availability of specific services — on-ramping, off-ramping, swapping and staking — depends entirely on the underlying third-party providers rather than on SpendLayer itself.
Services are not available in jurisdictions subject to applicable international sanctions, including those under EU, UN and OFAC regimes. SpendLayer is not offered to US persons.
