Smart Accounts

Overview

On Radix, every account is a smart account — a programmable component on the ledger with configurable access rules, 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 can withdraw, deposit, or modify the account via access rules
• Filter deposits — Accept or reject specific resource types (spam token prevention)
• Multi-factor security — Combine multiple keys via the MFA Security Shield
• Social recovery — Designate trusted contacts who can help recover access

Compare to Ethereum'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.