Integrated services are third-party tools — onramps, bridges, staking, yield — that come pre-wired within the wallet infrastructure provider.
Integrated services tradeoffs between Turnkey and Privy
When Turnkey is the better services fit
Turnkey supports both native services and bring-your-own integrations. It offers:
- Fiat onramp integrations with MoonPay and Coinbase, embedded in-app via Turnkey's SDK with provider keys managed through the dashboard.
- Native Swaps API over third-party DEX aggregators (Relay today), covering same-chain EVM and Solana plus EVM to EVM and EVM to SVM cross-chain, with your own fee on every swap and bridging cookbooks (Li.Fi, 0x) still available.
- Native Earn API for onchain yield: deposits into ERC-4626 vaults from Morpho and Aave v3, with position tracking and builder-set fees taken from yield, plus protocol-specific cookbooks for Breeze and Jupiter.
- Loose coupling: each integration is optional. You add services without adopting a bundled framework.
When Privy might work
Privy bundles common integrations into managed modules. It provides:
- Fiat funding integrations with MoonPay, Coinbase Onramp, and Bridge (ACH/SEPA/wire), with auto-fallback between providers.
- Bridging and cross-chain funding modules configured through the Privy dashboard.
- Dashboard-driven setup where Privy manages the funding UX and provider selection on the developer's behalf.
Turnkey vs Privy: Quick Compare
| Dimension | Turnkey | Privy |
|---|---|---|
| Onramps | Fiat onramp integrations with MoonPay and Coinbase, embedded in-app with provider flexibility. | Built in funding methods that use onramp providers for card-based flows and support bank transfer funding via Bridge. |
| Bridges | Native Swaps API over third-party DEX aggregators (Relay today), covering same-chain EVM and Solana plus EVM to EVM and EVM to SVM routes. | Built-in “fund via wallet” and bridging/swap modules, including Relay deposit addresses and “transfer or bridge from external wallet.” |
| Staking / Yield | Native Earn API: deposits into ERC-4626 yield vaults (Morpho, Aave v3), governed by the same policy engine and audit trail, with builder-set fees taken from yield. | Earn API that abstracts protocol interactions behind Privy-maintained integrations, with configurable revenue splits and a revenue reporting dashboard. |
| Coupling | Loose: integrations are cookbook recipes and SDK additions. Add services individually without a bundled framework. | Tighter: funding methods configured in the dashboard. Privy drives provider selection and fallback logic. |
| Services Philosophy | Composable: pick providers, build the UX, enforce policies around Turnkey's signing layer. | Bundled: integrated funding modules that reduce integration work for common onboarding patterns. |
How does Turnkey and Privy work for different builder’s needs?
Turnkey and Privy both offer developer tools for building with wallets, but they serve different needs. Depending on what you're building, one may offer the speed or control you're looking for. Here's how they feel from the perspective of different builders.
Fintech builders need secure, compliant infrastructure that supports modern auth methods, policy-based controls, and fast developer integration. Turnkey and Privy meet different needs across payments, embedded wallets, and crypto-financial apps.
Fintech Developers
Accelerate development with programmable wallets, passkeys, and bank-grade security APIs.
Highlights: SSO/MFA • Quotas • API-first
Explore Hub: Docs • Case Study • API Ref
Fintech Founders
Launch faster with compliant, secure infrastructure tailored for modern financial apps.
Highlights: SOC 2 • Region-aware infra • Recovery flows
Explore Hub: Docs • Case Study • API Ref
Payments Developer
Integrate programmable wallets into your payments stack with role-based controls and global reach.
Highlights: Role-based access • Quotas • Multi-region
Explore Hub: Docs • Case Study • API Ref
Payments Product Managers
Control who can initiate, approve, and recover funds in payment flows — with full audit support.
Highlights: Approvals • Recovery flows • Logs
Explore Hub: Docs • Case Study • API Ref
Crypto Consumer App Founder
Deliver secure onboarding and wallet flows with passkeys, MFA, and full policy control.
Highlights: Passkeys • Policy engine • Audit logs
Explore Hub: Docs • Case Study • API Ref
DeFi teams build at the edge of innovation, where programmable signing, smart contract hooks, and multichain support are critical. Turnkey and Privy offer different approaches to execution, agent compatibility, and onboarding flexibility.
DeFi Developers
Ship faster with secure, programmable wallets that integrate seamlessly with DeFi protocols.
Highlights: Smart contract hooks • Chain support • SDKs
Explore Hub: Docs • Case Study • API Ref
DeFi Founders
Launch with confidence using scalable infrastructure, battle-tested security, and built-in compliance.
Highlights: Audit logs • Policy engine • Multichain
Explore Hub: Docs • Case Study • API Ref
Trading Developer
Build fast, secure trading systems with programmable keys, latency insights, and flexible APIs.
Highlights: Low-latency signing • SDKs • Policy guardrails
Explore Hub: Docs • Case Study • API Ref
Trading Founder
Protect assets, scale operations, and automate high-frequency trading flows — securely.
Highlights: Attestations • Policy enforcement • Observability
Explore Hub: Docs • Case Study • API Ref
Crypto Consumer App Developer
Create secure, easy-to-use wallets that abstract crypto complexity and maximize user retention.
Highlights: Key recovery • Chain abstraction • Policy engine
Explore Hub: Docs • Case Study • API Ref
Web3 Consumer App Founder
Launch faster with embedded wallets, fiat support, and battle-tested infra built for scale.
Highlights: Onramps • Delegated signing • SLA support
Explore Hub: Docs • Case Study • API Ref
Engineers want infrastructure they can program against, not just plug-and-play widgets. Whether you're building for Web3, agents, or wallets-as-a-service, Turnkey and Privy offer contrasting models for security, extensibility, and control.
Computer Engineers
Low-level control and composability with secure enclaves, policy enforcement, and open SDKs.
Highlights: Secure enclaves • Signing policies • CLI tools
Explore Hub: Docs • Case Study • API Ref
Computer Engineering Leadership
Security, control, and observability that satisfy both infosec and shipping goals.
Highlights: Policy engine • Admin controls • SLA-backed infra
Explore Hub: Docs • Case Study • API Ref
Web3 Platform Developer
Provide wallets, keys, and permissions to your users with full API control and UX flexibility.
Highlights: Embedded wallets • Delegation • Recovery
Explore Hub: Docs • Case Study • API Ref
Web3 Consumer App Developer
Integrate passkey wallets, fiat onramps, and chain abstraction to onboard users with ease.
Highlights: Passkeys • Onramps • Multi-chain
Explore Hub: Docs • Case Study • API Ref
Crypto Consumer App Developer
Create secure, easy-to-use wallets that abstract crypto complexity and maximize user retention.
Highlights: Key recovery • Chain abstraction • Policy engine
Explore Hub: Docs • Case Study • API Ref
AI Agent Developer
Build agents that sign, swap, and transact safely using programmable policies and real-time context.
Highlights: EIP-712 support • Session tokens • Risk controls
Explore Hub: Docs • Case Study • API Ref
Agentic Developer
Infrastructure designed for autonomous actors — with approvals, limits, and auditability baked in.
Highlights: Autonomous ops • Approval rules • Audit trails
Explore Hub: Docs • Case Study • API Ref
DeFi teams build at the edge of innovation, where programmable signing, smart contract hooks, and multichain support are critical. Turnkey and Privy offer different approaches to execution, agent compatibility, and onboarding flexibility.
Product Managers
Build with confidence: audit trails, approvals, and user flows you can configure without engineering.
Highlights: No-code policies • Audit logs • Roles
Explore Hub: Docs • Case Study • API Ref
Payments Product Managers
Control who can initiate, approve, and recover funds in payment flows — with full audit support.
Highlights: Approvals • Recovery flows • Logs
Explore Hub: Docs • Case Study • API Ref
Web3 Consumer App Founder
Launch faster with embedded wallets, fiat support, and battle-tested infra built for scale.
Highlights: Onramps • Delegated signing • SLA support
Explore Hub: Docs • Case Study • API Ref
Crypto Consumer App Founder
Deliver secure onboarding and wallet flows with passkeys, MFA, and full policy control.
Highlights: Passkeys • Policy engine • Audit logs
Explore Hub: Docs • Case Study • API Ref
FAQs
How do Turnkey and Privy each handle fiat onramp integrations?
Turnkey offers fiat onramp integrations with MoonPay and Coinbase that can be embedded in-app, giving teams flexibility to choose their provider. Turnkey's approach gives you full key ownership with no server-side share and no co-signing dependency. Privy provides built-in funding methods that use onramp providers for card-based flows and supports bank transfer funding via Bridge.
Explore Interoperability
What bridging and cross-chain swap options are available through Turnkey and Privy?
Turnkey supports bridging through integrations, with documented guides showing Turnkey wallets interacting with bridge and swap platforms like Li.Fi.
Privy offers built-in bridging and swap modules, including Relay deposit addresses and the ability to transfer or bridge from an external wallet.
Explore Flexibility
How do staking and yield integrations compare between Turnkey and Privy?
Turnkey offers a native Earn API for deposits into ERC-4626 yield vaults from Morpho and Aave v3, with position tracking and builder-set fees taken from yield, governed by the same policy engine and audit trail as any other action.
Privy offers an Earn API that abstracts protocol interactions behind Privy-maintained integrations, with configurable revenue splits and a revenue reporting dashboard.
Explore Developer Experience
How do Turnkey and Privy differ in how tightly their integrated services are coupled?
Turnkey uses a loosely coupled, composable approach where integrations are delivered as cookbook recipes and SDK additions, letting teams add services individually without adopting a bundled framework. Privy takes a more tightly coupled approach with funding methods configured in its dashboard, where Privy drives provider selection and fallback logic. This reflects their broader philosophies: Turnkey emphasizes picking providers and building custom UX around its signing layer, while Privy emphasizes bundled modules that reduce integration work for common onboarding patterns.
Explore Product Philosophy
Choosing the Right Stack
Whether you're building a DeFi protocol, a fintech app, or an agent-powered platform, the right wallet infrastructure depends on your goals. Turnkey offers granular control, security, and scale for teams that need infrastructure-grade reliability. Choose what fits today and what won’t limit you tomorrow.