Account Abstraction on Tempo
Account abstraction removes the friction of onchain accounts: seed phrases, gas tokens, and repeated confirmations. However, in most cases it requires smart contracts and third-party infrastructure. Tempo offers this natively. If you're building consumer wallets or enterprise payment products on Tempo, reach out at partners@tempo.xyz.
The promise of instant, low-cost stablecoin payments is held back by the default user experience of blockchains.
Users deal with seed phrases and gas tokens. Developers stitch together smart contract wallets, paymasters, and bundlers. The result is unnecessary friction for users and unnecessary complexity for developers.
Tempo addresses this at the protocol level. Account abstraction is built into the chain, with no middleware or workarounds required.
The blockchain dilemma
Today, building a consumer application on a blockchain often means choosing between two bad options: a poor user experience or unnecessary complexity for developers.
For users, interacting with a blockchain usually means writing down 12 or 24 random words, or the seed phrase, and storing them somewhere safe. Then buying a token you’ve never heard of just to pay transaction fees.
Account abstraction can improve this experience. However, existing approaches to account abstraction require a stack of infrastructure: bundlers, paymaster contracts, relayers, and custom delegation programs.
Tempo takes a different approach. It provides account abstraction features directly through native primitives.
How Tempo fixes onchain accounts
Tempo supports a range of account abstraction features through its native transaction type, Tempo Transactions. These capabilities, such as passkey accounts and fee sponsorship, help developers build applications without relying on additional smart contracts or middleware.
Passkey accounts
Passkey accounts let users sign up and authenticate with their fingerprint, Face ID, or Touch ID. Passkeys are stored in the device's secure enclave and sync across devices through iCloud Keychain or Google Password Manager. Users get strong security with an experience they already understand.
Native fee sponsorship
Native fee sponsorship lets your application pay transaction fees on behalf of users. This happens at the protocol level with a single transaction field. Users can also pay fees directly in any stablecoin. Either way, no one needs to hold a volatile gas token.
Access keys
Access keys let users create short-lived, scoped keys that sign transactions on their behalf. This means your app can execute transactions in the background without prompting for biometric confirmation each time, while maintaining controls on what those keys can do.
Batch and scheduled transactions
Tempo natively supports batch and scheduled transactions. Batching bundles multiple operations into a single atomic transaction: for example, you can run payroll for 500 people in one call. Scheduled transactions execute within a future time window for subscriptions, recurring invoices, or deferred settlements.
Parallel transactions
Parallel transactions let your application submit multiple transactions from the same account at the same time. This means that, for example, a payment processor can run hundreds of concurrent settlements from a single wallet without any additional infrastructure or management overhead.
What this unlocks
When wallets, seed phrases, gas tokens, and middleware are no longer part of the equation, new product categories become practical:
- Embedded finance: Stablecoin accounts with passkey signup, sponsored fees, and background transfers through access keys.
- Payroll and payouts: Batch hundreds of payments into a single atomic transaction. All succeed or all fail, with no need to find and retry the ones that did not.
- Consumer checkout: Embed a wallet into your checkout flow with passkey authentication. Your app sponsors the fees, and users confirm payment with a fingerprint.
- Loyalty and rewards: Put your loyalty program onchain with passkey accounts and gasless transactions. Points become tokens your customers can transfer, trade, or use across any app that supports them.
- Agentic payments: AI agents with their own wallets that pay in stablecoins autonomously. Access keys let humans set spending limits and authorization rules.
Start building on Tempo
Whether you're building consumer wallets or enterprise payment products, we can help you get started:
For guidance on implementing account abstraction for your use case, reach out to us at partners@tempo.xyz.