Account & Identity Layer

A key pillar of a Crypto-native Neo Bank is a reimagined Account and Identity infrastructure, the foundation of a new financial paradigm. Built on frontier innovations such as EIP-7702, Social Login, and Gasless infrastructure, it redefines what a financial account can be. These modules collectively define the architecture of future financial accounts, evolving beyond traditional wallets to support a shared financial account system across both human and AI agents. Our Account & Identity layer ensures compliance and security while delivering a truly frictionless financial experience.

EIP-7702: Smart Functions for Self-Custodied EOAs

EIP-7702 is a key proposal in Ethereum’s Account Abstraction roadmap. It allows traditional Externally Owned Accounts (EOAs) to temporarily gain the capabilities of smart contract accounts without changing addresses or migrating assets.Through EIP-7702, user accounts can dynamically load smart logic within a single transaction, enabling contract-level permissions and automated execution. This evolution transforms accounts from passive asset containers into programmable financial agents capable of policy enforcement and intelligent responses.Within StakeStone's Crypto-native Neo Bank architecture, EIP-7702 upgrades static wallet accounts to active entities, enabling:

• Dynamic feature upgrades: enable smart contract functionality in any transaction without asset migration.

• Programmable security: integrates multisig, limits, and freeze policies at the account level.

• Automated asset management: trigger portfolio reallocation based on preset conditions (e.g., yield or FX changes).

• Institutional-grade accounts: enable role-based authorization, risk controls, and compliance.

EIP-7702 thus serves as a cornerstone for the Crypto-native Neo Bank, enabling smart account capabilities and programmable finance without compromising self-custody.

Social Login: Frictionless User Onboarding via Identity Abstraction

Web3 wallets traditionally require users to manage seed phrases and interact with complex transaction flows, posing as a major usability barrier. Social Login solves this by integrating Web2 authentication (Google, Apple ID, X, etc.) with MPC- or smart-contract-based key management, delivering a seamless, self-custodied blockchain experience.As a core module of StakeStone’s Identity Abstraction Layer, Social Login provides:

• Frictionless account creation: one-click onboarding using existing social credentials.

• Private Key fragmentation: private keys are split and stored via distributed cryptography.

• Accounted = Identity: on-chain accounts double as user identities for built-in KYC/AML support.

• Privacy-preserving compliance: zero-knowledge proofs enable verifiable compliance without data exposure.

By abstracting away blockchains technical barriers, Social Login enables true mass adoption, bridging the simplicity of Web2 with the autonomy of on-chain finance.

Gasless: Frictionless Transactions

Conventional blockchains require users to hold native tokens for gas fees, a requirement that not only raises the entry barrier but also limits mainstream usability. Gasless transactions solve this by using relayers or protocol-level gas sponsorship, enabling users to interact on-chain without needing to handle network fees.Within the StakeStone architecture, Gasless transactions integrate deeply with EIP-7702 and Social Login, forming a complete Identity–Account–Transaction loop:

• Account-level gas abstraction: smart accounts automatically sponsor or manage gas on behalf of the user, enabling zero-friction interactions.

• Multi-token fee abstraction: users can pay fees using any stablecoin or other cryptocurrencies, not just the native token of a given chain.

• Optimized for institutions & IoT: ideal for high-frequency, low-value transactions such as retail micro-payments and machine-to-machine settlements.

• Seamless UX: users onboard, transact, and manage assets with zero exposure to blockchain internals.

By abstracting away gas fees while maintaining transparency and composability, Gasless transactions bring Web2-grade usability to Web3-native finance.