Entries Articles丨An Overview of HD Wallets, Custodial Wallets, and Multi-chain Wallets
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Entries Articles丨An Overview of HD Wallets, Custodial Wallets, and Multi-chain Wallets

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Entries Articles丨An Overview of HD Wallets, Custodial Wallets, and Multi-chain Wallets

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In the rapidly evolving world of cryptocurrencies and blockchain technology, various types of wallets have emerged to cater to the diverse needs of users. This article delves into the key differences and features of HD wallets, custodial wallets, and multi-chain wallets, providing you with a comprehensive understanding of each type.

We’ll also introduce SuperEx’s HD Wallet, which was launched on September 8, 2022, for their entire platform, including both web and mobile app users.

HD Wallets

The concept of Hierarchical Deterministic Wallets (HD wallets) dates back to 2012, when it was first proposed in Bitcoin’s 32nd improvement proposal (abbreviated as BIP-32). HD wallets contain keys derived in a tree-like structure, allowing the keys to generate a series of child keys, each of which can generate a series of grandchild keys, and so on, with limited derivation. In simple terms, an HD wallet is a wallet where users can generate an unlimited number of usable Bitcoin addresses, and only need to manage one private key.

In order to meet the diverse needs of users and to create a multi-scenario, multi-application, multi-dimensional trading environment, the SuperEx platform launched HD wallet authorization on September 8, 2022, for the entire platform (web + APP). After the launch, users can log in to the SuperEx platform and trade over 1,000 trading pairs directly through wallet authorization without the need for a mobile phone number or email verification. All users who use HD wallets to log in will store their own private keys, giving them full control over their assets.

The Advantages of an HD Wallet

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A. Security

Transaction Security

Digital asset security has always been a top concern for users in the industry, and SuperEx’s commitment to asset security is a core and vital credit indicator. So far, SuperEx’s robust risk control system has maintained a 100% security indicator for digital assets.

With HD wallet authorization, an additional user-controlled security lock is added to SuperEx’s risk control system. After the update, users utilizing HD wallets store their crypto assets within the wallet, allowing for transfers without complex addresses and verification. As users maintain control of their HD wallet’s private keys, assets are managed solely by the users, ensuring true safety and security.

Storage Security

When using an HD wallet, you are the only person with access to the wallet’s private keys, which helps avoid situations of large-scale crypto assets being stored in exchange accounts. This allows users to manage their assets independently, ensuring safety and security.

B. Convenience

No Registration Required: Users employing HD wallets do not need to register an account and password.
Simple Login: Users with HD wallets bypass account passwords, two-step security verification, and other steps, completing the login with just authorization and signature.
Easy Deposit: HD wallet users can authorize and sign the wallet to deposit funds, skipping the tedious process of entering addresses via third-party wallets. This streamlined process minimizes the chances of mistakes.
Simple Withdrawal Process: HD wallet users no longer need to go through verification and input wallet addresses for withdrawals. Just like deposits, the process is convenient and reduces the likelihood of errors.

C. Easy Expansion

The updated HD wallet allows for the derivation of any number of sub-accounts (or sub-keys) from the master key, providing infinite expansion. Users only need to manage one master private key to centrally manage their account’s cryptocurrency.

Simultaneously, the HD wallet supports rapid creation of multi-chain addresses, allowing users to quickly generate multiple public chain wallets, making multi-chain asset management more convenient.

Custodial Wallets

As the name suggests, a custodial wallet is where users entrust their private keys and digital assets to other institutions for management. Essentially, it securely manages and stores assets through a centralized approach, which goes against the decentralization pursued by blockchain.

Custodial wallets excel in convenience. Cryptocurrencies stored in custodial wallets can be accessed anytime, anywhere. Transfers and transactions between custodial accounts do not require fees or miner fees, and transactions are fast and low-cost. Users also do not need to worry about forgetting private keys and mnemonic phrases, greatly reducing the risk of losing assets due to personal errors.

The biggest risk lies in whether the third party you entrust with your assets is trustworthy. Note that in traditional financial markets, asset custody is subject to regulation, while there are not many regulated blockchain asset custody institutions.

The Advantages of a Custodial Wallet

1. Ease of Use: Custodial wallets are generally user-friendly and easy to set up, making them an attractive option for beginners and less tech-savvy users. The wallet provider takes care of the complex technical aspects, allowing users to focus on buying, selling, and managing their digital assets.
2. Security: Reputable custodial wallet providers invest heavily in security infrastructure, including measures like multi-signature wallets, cold storage, and 24/7 monitoring, to protect users’ assets. While users do not have direct control over their private keys, they can benefit from the robust security measures implemented by the provider.
3. Customer Support: Custodial wallets typically come with dedicated customer support, which can be invaluable in case of any issues or queries. Users can seek assistance from the wallet provider for account recovery, dispute resolution, and other support services.
4. Integration with Exchange Platforms: Many custodial wallets are integrated with popular cryptocurrency exchange platforms, allowing users to seamlessly trade digital assets within the wallet interface. This can save time and effort, as users do not need to transfer funds between separate exchange and wallet accounts.
5. Regulatory Compliance: Custodial wallet providers are often subject to regulations and oversight by financial authorities. This can provide users with a level of assurance that their assets are being managed in a compliant manner, reducing the risk of fraud and other malicious activities.
6. Additional Services: Some custodial wallets offer additional services, such as staking, lending, or earning interest on digital assets. These features can provide users with opportunities to grow their holdings and diversify their investments.

Multi-chain Wallets

A multi-chain wallet refers to a wallet tool that can manage assets on multiple blockchains. This concept can be considered a derivative of HD wallets, and it originated from Bitcoin’s 44th improvement proposal (abbreviated as BIP-44). Common multi-chain wallets now support at least BTC, ETH, and EOS.

In contrast to multi-chain wallets are single-chain wallets, which are specifically designed and developed for a particular public chain platform, with strong professionalism and specificity. However, as the number of public chains increases, many users hold crypto assets on multiple public chains, making the use of single-chain wallets very cumbersome.

Multi-chain wallets emerged in response to this need. Since they have to support multiple public chain digital assets simultaneously, different main chains usually adopt different technical solutions, making the development of multi-chain wallets more difficult and labor-intensive.

The Advantages of a Multi-Chain Wallet

1. Multi-chain Interaction: The wallet should support a wide variety of mainnet assets and ecosystems within the same application, allowing users to easily operate without switching apps.
2. High Security: Multi-chain wallets should have a higher level of security to protect assets and information. Security measures may include passphrase functionality, OAuth, and biometric identification (FaceID or fingerprint).
3. On-Chain Synchronization: All users should be able to access and control their cryptocurrency assets at any time through internet-enabled devices using the wallet.
4. User-friendly Interface: A multi-chain wallet should have a simple and beginner-friendly user interface with straightforward usage logic.
5. Privacy Protection: Wallets can utilize anonymous address methods to ensure that all transactions between the sender and receiver are completely confidential.
6. Fast Transaction Speeds: Transaction speeds are essential for multi-chain wallets. Users should be able to complete and receive payments within minutes of registering a wallet.
7. NFT Compatibility: As the NFT industry has become so vast, many NFT projects are rapidly emerging in ecosystems beyond the Ethereum network. Users must be able to store, transfer, and receive their NFTs within the wallet.
8. Support for Hierarchical Storage: To enhance protection, the wallet should support users connecting their hardware wallets.

Conclusion

As the crypto asset market expands, the multi-chain future of blockchain becomes increasingly realistic. As a result, we may have more urgent and better opportunities to develop infrastructure, protocols, and tools that can support multiple mainnet assets and ecosystems. This will truly enable the integration and interoperability of web3.

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