Overview
An ERC-4337 smart wallet designed for autonomous AI agents.
What is Owl Smart Wallet?
Owl Smart Wallet is a gas-optimized, ERC-4337 account abstraction wallet built for AI agents to operate autonomously. Unlike traditional wallets designed for human users, Owl is purpose-built for programmatic control through MCP (Model Context Protocol) servers, enabling AI agents to manage crypto assets, interact with DeFi protocols, and execute transactions without manual intervention.
The wallet combines passkey-based ownership (P256/WebAuthn), session key delegation, guardian social recovery, and gasless transactions into a unified system that gives AI agents secure, limited, time-bound access to on-chain operations.
Key Features
ERC-4337 Account Abstraction
Full compliance with Account Abstraction v0.9 specification
Gasless transactions via paymaster sponsorship
Counterfactual deployment using CREATE2 deterministic addressing
Bundler relay architecture protects API keys while enabling agent autonomy
Dual Owner Types
P256 (secp256r1) — Passkey/WebAuthn-compatible cryptography for hardware-backed security
ECDSA (secp256k1) — Traditional Ethereum address support for EOA compatibility
Session Key System
AI agents operate through time-limited, scope-restricted session keys:
Granular permissions — allowlist specific targets, selectors, and value limits
Automatic expiration — maximum 30-day validity window
Usage limits — per-transaction caps, total value caps, and call count limits
Revocable — owner can revoke session keys at any time
Dual signature types — ECDSA and P256 session keys supported
Guardian Social Recovery
Multi-guardian approval workflow for owner recovery
Configurable threshold (M-of-N guardians required)
Time-delayed execution to prevent malicious takeovers
Supports both ECDSA and P256 guardians
Gas Sponsorship
WhitelistPaymaster — sponsors gas for whitelisted targets
Optional factory wallet enforcement
Batch transaction support for gas efficiency
ERC-1271 Signature Validation
On-chain signature verification for both owner and session keys
Enables smart contract wallet participation in protocols requiring signatures
Supports WebAuthn/passkey signatures
Architecture Overview
The Owl Smart Wallet system is composed of four layers:
1. Smart Contract Layer
Core on-chain components implementing ERC-4337 and wallet logic:
SmartWallet — The account contract with P256/ECDSA owners, session keys, and recovery
SmartWalletFactory — Deterministic CREATE2 deployment and wallet registry
WhitelistPaymaster — Gas sponsorship policy enforcement
SessionKeyManager — Reusable session key authorization subsystem
OwlLendingAdapter — DeFi lending integration (Morpho)
2. MCP Server Layer
AI agent interface providing structured tools for wallet operations:
owl-wallet — Core wallet management (session keys, deployment, guardians)
lendefi — DeFi lending operations (Morpho integration)
mcp-acp-agent — ACP (Access Control Policy) enforcement
3. Agent Layer
Autonomous AI agent with curated DeFi tooling:
OpenClaw Agent — 23 curated tools for DeFi operations
Bundler Relay — Secure ERC-4337 bundler API key protection
4. Payment Protocol Layer
HTTP-based microtransaction protocol:
x402 Protocol — HTTP 402 payment-required flow with USDL settlement
Facilitator & Server Express — Payment gateway infrastructure
Component Map
Smart Contracts
SmartWallet
ERC-4337 account with session keys and recovery
SmartWalletFactory
Deterministic deployment and registry
WhitelistPaymaster
Gas sponsorship for whitelisted targets
SessionKeyManager
Time/scope-limited key authorization
OwlLendingAdapter
Morpho lending protocol integration
Key Interfaces
ISmartWallet
Wallet operations interface
IWalletFactory
Factory deployment interface
IWalletRegistry
Wallet registration and lookup
IDaimoP256Verifier
P256 signature verification
IMorpho
Morpho lending protocol interface
MCP Servers
owl-wallet
Session key management, wallet deployment, guardian operations
lendefi
Supply, withdraw, borrow, repay, market queries
mcp-acp-agent
Access control policy enforcement
OpenClaw Components
owl-agent
Autonomous DeFi agent with 23 curated tools
bundler-relay
Secure bundler API key relay
x402 Components
facilitator-express
Payment facilitator server
server-express
x402 protocol server implementation
Documentation Structure
Smart Contract Reference
SmartWallet — Account contract with session keys and recovery
SmartWalletFactory — Deterministic deployment
WhitelistPaymaster — Gas sponsorship
SessionKeyManager — Session key authorization
OwlLendingAdapter — DeFi lending integration
MCP Integration
owl-wallet MCP Server — Wallet management tools
lendefi MCP Server — DeFi lending tools
mcp-acp-agent MCP Server — Access control tools
Agent & Infrastructure
OpenClaw Agent — Autonomous DeFi agent architecture
Bundler Relay — Secure bundler API relay
x402 Protocol — HTTP payment protocol
Guides
Session Key Guide — Creating and managing session keys
Guardian Recovery — Social recovery flow
Agent Integration — Integrating AI agents with the wallet
Security Model — Access control and permissions
Quick Start
For AI Agent Developers
Review the Agent Integration Guide
Explore the owl-wallet MCP Server tool reference
Study the Session Key Guide for permission management
For Smart Contract Developers
Start with the SmartWallet Contract documentation
Review the Security Model for access control patterns
Examine the SessionKeyManager for delegation logic
For Security Auditors
Read the Security Model overview
Review access control in SmartWallet
Audit session key validation in SessionKeyManager
Examine upgrade patterns in SmartWalletFactory
For Protocol Integrators
Review the ISmartWallet Interface
Explore WhitelistPaymaster for gas sponsorship integration
Project Information
Version: 1.0.0
License: MIT
Account Abstraction: ERC-4337 v0.9
Signature Standards: ERC-1271
Cryptography: P256 (secp256r1) and ECDSA (secp256k1)
Support & Resources
GitHub Repository: OwlSmartWallet
MCP Protocol: Model Context Protocol
ERC-4337 Spec: Account Abstraction
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