---
title: "Smart Accounts"
path: "/contents/tech/core-protocols/smart-accounts"
version: "1.3.0"
author: "Hydrate"
createdAt: "2026-02-03T14:55:22.948Z"
updatedAt: "2026-03-16T18:25:45.491Z"
---

# Smart Accounts

<Infobox>
| **Type** | Account Architecture |
| **Key Feature** | Programmable by default |
| **Enhanced By** | [MFA Security Shield](/ideas/mfa-security-shield) |
</Infobox>

## Overview

On Radix, every account is a **smart account** — a programmable component on the ledger with configurable [access rules](https://docs.radixdlt.com/docs/authorization), deposit preferences, and recovery mechanisms. This is not an add-on feature; it's the default account type.

Each smart account can:

  - **Control access** — Define which keys or [badges](https://docs.radixdlt.com/docs/user-badge-pattern) can withdraw, deposit, or modify the account via [access rules](/contents/tech/core-concepts/access-rules-and-auth-zones)

  - **Filter deposits** — Accept or reject specific resource types (spam token prevention)

  - **Multi-factor security** — Combine multiple keys via the [MFA Security Shield](/ideas/mfa-security-shield)

  - **Social recovery** — Designate trusted contacts who can help recover access

Compare to [Ethereum](https://ethereum.org)'s EOA (externally owned account), which is just a private key with no on-chain logic. Ethereum's "smart accounts" (ERC-4337) are a retrofitted workaround; on Radix, they're native.