5 Best Chain Abstraction Wallets of 2025

Have you ever tried to send crypto to someone but got stuck choosing the right network—or had to manually bridge or swap tokens just to get it done? That’s a common problem in the blockchain world. Chain abstraction wallets remove this friction by aggregating user balances across different chains and allowing users to move assets across different networks effortlessly, without even thinking about which chain they’re using. They make crypto transactions as simple as sending a message.

In this blog, we’ll look at the Top 5 Chain Abstraction Wallets of 2025 and how they make using blockchain stress-free.

1. Arcana Wallet

Arcana Wallet is the first chain abstraction-enabled EOA wallet redefining the web3 multi-chain experience. Users can seamlessly spend their Unified Balance of USDT, USDC, and ETH across all supported chains without the need to bridge, swap, or refuel gas.

Similarly, Arcana Chain Abstraction SDK offers the same capabilities as a plug-and-play SDK. Apps can integrate it natively to deliver a frictionless, chain-abstracted experience for users, drastically improving UX and retention.

Key Features:

• Multi-Chain Compatibility: Currently supports Ethereum, Polygon, Base, Arbitrum, Optimism, Scroll, Fuel, Linea. More EVM and non-EVM-compatible chains are coming soon.
• Easy Onboarding: Import your existing EOA Wallet address (e.g., Metamask, Rabby) or create a new one.
• Unified Balance: A single aggregated balance of your tokens across multiple chains.
• No More Bridging: Spend your entire USDC, USDT, ETH, and wETH across the supported chains, without needing to bridge, directly from the wallet.
• Instant DeFi Access: Supports all major DeFi apps out-of-the-box, with no integration required. Currently, it includes Aave, Uniswap, Hyperliquid, Jumper Exchange, Polymarket, Galaxy Exchange, CowSwap, Mendi Finance, Griffy, and Renzo. New supported apps are added every month.
• Instant Transactions: Spending assets from multiple chains is near-instant. Transactions execute in 1 click, in under ~20 seconds.
• Pay Gas in Stablecoins: Pay gas fees in USDT or USDC. No more hassle of holding native gas tokens for every chain.
• Chrome Extension: Download Arcana Wallet on Chrome store and try it on your favorite daps.

2. Universal Accounts by Particle Network

Universal Accounts are ERC-4337-based smart contract wallets developed by Particle Network that provide a unified, chain-abstracted account experience across multiple blockchains.

Think of them as smart accounts that aggregate your balances across chains, enabling frictionless interaction with apps without worrying about different wallets, chains, gas tokens, or bridging. Users interact via social login or EOA (e.g., MetaMask), and behind the scenes, a Universal Account is created and used to abstract away the cross-chain complexity. Users can experience Universal Accounts directly on UniversalX, Particle’s chain-agnostic trading platform, or through any dApp integrated with Particle’s SDK. 

Key Features:

• Chain Abstraction: Users can interact with various chains (EVM and non-EVM) using a single account.
• Unified Balance: Assets from different chains are aggregated into one balance
• Seamless Transactions: The system utilizes Universal Liquidity to execute atomic cross-chain transactions.
• Universal Gas: Users can pay transaction fees with any token they hold, eliminating the need to maintain multiple native gas tokens for different networks.

3. Credible Accounts by OneBalance

Credible Accounts are OneBalance’s chain-abstracted account system—functionally equivalent to a wallet—designed to unify fragmented multichain balances and simplify how users interact with Web3 apps. They serve as the foundation for OneBalance’s "chain-free" experience and are central to their broader Credible Stack. Credible Accounts are available through APIs and SDKs to natively integrate chain abstraction and offer users a frictionless experience.

Key Features:

• Unified Asset View: A single unified view, abstracting the source chain. Users can spend assets without needing to manually switch networks.
• Cross-Chain Transactions (via Resource Locks): Users can spend USDC from multiple chains in a single transaction (e.g., combining balances from Base and Polygon to spend on Arbitrum).
• Gas Abstraction: Users can pay gas fees in a single token, even if it's not native to the destination chain.
• App-Agnostic & Chain-Agnostic: Can be embedded into any dApp and support both EVM and non-EVM chains, with current support for Ethereum, Base, Polygon, Arbitrum, Optimism, BNB, Linea, Avalanche, and Solana coming soon.

4. Abstracted Smart Wallets by Okto

Okto’s Abstracted Smart Wallets are part of the Okto SDK, a wallet-as-a-service solution that empowers developers to integrate a seamless, chain-abstracted user experience into their apps. These smart wallets abstract away the complexities of blockchain interactions by providing unified access across multiple chains without requiring users to switch networks, manage gas tokens, or interact with bridges.

Key Features:

• Self-Custodial & MPC-Based: Secure, non-custodial wallets leverage Multi-Party Computation to eliminate single points of failure.
• Gasless Transactions: Users can transact without holding native gas tokens.
• Account Abstraction: Built on ERC-4337-compatible architecture, enabling features like session keys, programmable spending, and batched transactions.
• Wallet-as-a-Service SDK: Developers can integrate the wallet natively into their apps using easy-to-implement APIs and SDK tools.
• Unified UX: Users enjoy a simple and intuitive experience with cross-chain functionality happening under the hood.

5. NEAR Accounts

NEAR’s approach to chain abstraction is powered by Chain Signatures, a cryptographic primitive that allows a single NEAR account to act as a universal smart account across multiple chains. Instead of creating and managing different wallets or accounts per chain, Chain Signatures enable users to interact with any supported chain using their NEAR account. This effectively transforms the NEAR account into a multichain smart wallet, abstracting away the complexity of account fragmentation and enhancing UX.

Chain Signatures act as a wallet infrastructure layer that other applications and developers can build on via the NEAR SDK and Intents Framework.

Key Features:

• Universal Smart Account: Your NEAR account becomes your multichain identity interacting with Ethereum, Solana, and other chains from a single account.
• NEAR SDK & Integration Ready: Developers can integrate NEAR’s chain abstraction into their apps using the SDK and NEAR Intents, offering users a smooth multichain experience within dApps.
• Gas Abstraction: Users don't need to manage gas tokens on destination chains. The system handles execution using relayers or paymasters.
• Security & Efficiency: Uses threshold cryptography and MPC to ensure secure, non-custodial multichain execution.

Conclusion

As Web3 matures, chain abstraction emerges as a key enabler for mainstream adoption. By simplifying interactions, removing the need for bridging, swapping, or managing gas, chain abstraction dramatically improves the user experience.

For developers, this presents a powerful opportunity to stand out by offering seamless, multichain functionality directly within their apps. Choosing the right abstraction solution—based on their target audience and the level of UX simplicity they aim to deliver—has never been more important. Each of the wallet solutions explored in this blog brings a unique approach to solving fragmentation—whether through unified balances, smart accounts, or SDK integrations—paving the way for a more intuitive, accessible, and scalable multichain future.