Embedded Business Wallets with Turnkey
Build fast, simple onchain payment experiences for business accounts and multi-user teams. Integrate non-custodial wallets with role-based access directly into your platform and abstract away crypto complexity.
Turnkey’s Embedded Business Wallets are designed for platforms that want to create secure, fully integrated financial experiences without exposing users to technical friction or unfamiliar wallet workflows.
By offloading key infrastructure to Turnkey, payment platforms can unlock web3 benefits like faster global payments, improved settlement reliability, and expanded market reach, without managing the complex underlying technology.
Whether for payroll providers, embedded finance platforms, BaaS providers, marketplaces, or fintech infrastructure teams, Turnkey allows applications that serve these organizations to shape wallet structures, permissions, and payment flows around their unique product requirements. The infrastructure remains consistent while the user experience stays fully customizable.
Embedded Business Wallets: Core capabilities
Embedded Business Wallets provide the building blocks for designing secure, scalable payment experiences for businesses. These include:
- Instant wallet provisioning: Create secure wallets for businesses with familiar authentication methods, plug & play UI components, and options for white-labeling using Embedded Wallet Kit.
- Scoped hierarchy: Developers can create fully isolated environments for each of their business customers within their applications using Turnkey’s infrastructure, each with its own wallets, users, and policies, all managed through a single integration.
- Role-based access controls (RBAC): Restrict actions based on a user’s assigned role rather than their individual identity. Roles are represented by tags assigned to users and services. Policies reference these tags to determine wallet access, transaction signing permissions, and approval conditions for each role.
- Transaction management & gas sponsorship: Sponsor gas fees and manage the transaction lifecycle end-to-end from construction to broadcast. See Transaction Management.
These capabilities allow you to automate workflows, enforce governance, and customize wallet behavior to match your customers’ operational structure, enabling a comprehensive embedded wallet experience that facilitates seamless business transactions.
Seeing it in action: Common use cases
Here's how these capabilities come together in real-world payment operations.
Payment processors
Use case: Automated merchant settlements, sweeps, and payouts at scale.
Payment processors operating across thousands of merchants need infrastructure that can manage funds programmatically without introducing compliance risk.
Turnkey enables you to provision and manage dedicated business wallets for each of your merchants, with policy enforcement at signing time. Instead of only verifying who approved a transaction, policies validate what is being sent, to whom, and under what conditions.
Rules like asset type restrictions and destination constraints are enforced cryptographically before a signature is produced, ensuring every embedded merchant wallet can only move funds in ways that align with your platform’s requirements.
Spend management platforms
Use case: Approval-controlled treasury wallets for finance teams
Modern finance teams require structured approval flows that scale with transaction size and risk.
Turnkey allows you to encode tiered approval policies directly into each customer’s wallet infrastructure. For example:
- Two finance approvers required for transactions above $10,000
- CFO approval required for transactions above $50,000
These rules are enforced at the signing layer for every embedded wallet. No transaction can bypass defined thresholds or approval requirements, giving your business customers structured controls without introducing custodial complexity into your architecture.
Payroll and recurring payment platforms
Use case: Automated recurring payouts with strict recipient and asset controls
Payroll and subscription platforms depend on reliable, repeatable payments without manual intervention or room for misdirection.
Turnkey enables policy-enforced automated signing across embedded wallets, with:
- Recipient allowlists
- Asset restrictions
- Conditional transaction rules
With the UI you build and connect to Turnkey’s infrastructure, each business customer can configure rules that govern how their wallets operate. These policies can power recurring payroll, vendor payouts, and subscription flows that execute on schedule, with infrastructure-level guarantees around where funds can move and in what form.
Two payment platforms using Turnkey’s Embedded Business Wallets solution
Mural Pay
Challenge
Mural Pay wanted to deliver global stablecoin payments to businesses and contractors, many of whom had no prior crypto experience or existing wallets. Traditional wallet UX created onboarding friction and slowed adoption, especially for users expecting familiar fintech-style payment experiences.
Solution
Using Turnkey, Mural Pay generates embedded, non-custodial wallets automatically during onboarding and abstracts key management behind a familiar authentication experience. Low-latency signing enables faster payments, while policy-based controls maintain strong security and compliance. The result is stablecoin payments that feel like a modern fintech app rather than a crypto product, helping Mural reach a broader audience without exposing technical complexity.
"We didn't want our users to feel like they're using some complex new technology just to send payments. Turnkey helped us build a sleek and seamless UX that abstracts the underlying complexity of these payments."
– Chris Fernandes, Co-founder and CTO at Mural Pay
Flutterwave
Challenge
Flutterwave set out to expand cross-border payment access across Africa by making it safe, easy, and affordable for businesses to accept regulated payment methods, including stablecoins, from a global customer base.
Solution
By integrating Turnkey’s embedded wallet infrastructure, Flutterwave introduced stablecoin balances directly into its payments platform. Businesses can hold and transact in assets like USDC and USDT alongside fiat currencies, enabling faster, lower-cost, always-on global payments while maintaining a familiar payment experience.
This embedded wallet approach supports real-time settlement, reduces friction in global trade, and helps businesses access international markets more easily.
“By enabling stablecoin balances powered by Turnkey, we are ensuring that multinationals, African enterprises, and individuals using Flutterwave will have access to low-cost, faster, and always-on cross-border payments with stablecoins.”
Turnkey Embedded Business Wallets: Modern business payment infrastructure
Embedded Business Wallets with Turnkey help payments companies and fintech platforms deliver:
- Faster, automated global payment experiences
- Strong infrastructure-level security for keys and assets
- Flexible wallet architectures tailored to business customers
- Scalable automation for modern financial workflows
By integrating wallets directly into your application, you can simplify crypto payments for businesses while maintaining the flexibility, security, and operational control needed to scale.
Explore our documentation to learn how to integrate Embedded Business Wallets into your payment infrastructure while preserving full customization and scalability.
Start building with Turnkey today.
