How it's built
Decisions we can show you
Trust in a non-custodial wallet comes from choices that can be inspected: what stays on the device, what must be reviewed before signing, what is refused by default, and what the product does not claim to solve.
01
Local keys, local signing
The decision
Smartable is non-custodial wallet software built for self-custody. It does not create a custody account or hold your crypto-assets for you.
Your recovery phrase and signing authority remain under your control. Transactions are reviewed and signed from your wallet, not by Smartable on your behalf.
Why it matters
A service cannot lose custody of assets it never holds. This does not remove the need to protect your recovery phrase, device, and approvals — it keeps control and responsibility with you.
02
One recovery phrase, network-specific accounts
The decision
Smartable derives the accounts and addresses supported networks require from one recovery phrase. Address formats, derivation paths, and transaction rules vary by network.
Why it matters
A network listed in a wallet is more than a logo or an RPC URL. Wallet support has to account for how that network derives addresses, builds transactions, handles fees, and reports on-chain data.
03
Review before signing
The decision
Smartable presents transaction details for review before signing, including the asset, network, amount, recipient, and applicable fees where available.
For provider checkout, payment and identity verification, where required, are handled directly by the third-party provider. Smartable does not receive or store card or bank details.
Why it matters
The last decision should remain with the person who controls the wallet. A quote, route, or request is not permission to sign.
04
AI stays outside the wallet
The decision
No AI connects to Smartable or to any wallet in it — not even with read-only access. To have an AI service analyse an account, you share the public addresses you choose, and the analysis happens in that service.
An Agent Wallet is a separate wallet with its own recovery phrase, for funds you choose to move into it. You share its addresses the same way; no AI tool connects to it or controls it.
Why it matters
Safety should not depend on how capable or how well-behaved an AI is. An app with no way in for an AI leaves it nothing to attack.
05
Rules held by tests
The decision
Smartable uses automated tests to hold important behaviour in place, including account derivation, transaction construction, validation rules, and user-facing safety boundaries.
Reviewable core wallet code makes important design decisions easier to inspect.
Why it matters
A written rule can drift. A test can fail when code changes. Tests and source review improve confidence, but they do not replace independent security review.
06
Limits we publish
The decision
Smartable does not claim to be audited or insured. Access can be restored only with the recovery phrase or a valid recovery backup controlled by you.
Third-party route, provider, and network availability can change. Smartable shows available options before you continue, but cannot guarantee external service availability.
Why it matters
A non-custodial wallet should state not only what it does, but also where its responsibility ends.
Read the details
Updated 23 Sep 2026
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