> For the complete documentation index, see [llms.txt](https://docs.stakestone.io/stakestone/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.stakestone.io/stakestone/stakestone-2.0-crypto-native-neo-bank/banking-2.0-the-crypto-native-upgrade/account-and-identity-layer.md). # 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. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. 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