---
title: "Smart Accounts"
url: "https://radix.wiki/contents/tech/core-protocols/smart-accounts"
version: "1.3.3"
updated: 2026-07-05
license: CC-BY-4.0
license_url: "https://creativecommons.org/licenses/by/4.0/"
---

# Smart Accounts

|  |  |
| --- | --- |
| **Type** | Account Architecture |
| **Key Feature** | Programmable by default |
| **Enhanced By** | MFA Security Shield |

## Overview

On Radix, every account is a **smart account** – a programmable component on the ledger with configurable [access rules](https://docs.radixdlt.com/docs/auth), 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
- **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.