Secure Embeddable Browserless Wallets with Passkeys
A game-changing proposition for fintechs, crypto wallets, card issuers, and large enterprises.
If you lead product strategy at a payment or financial institution, you have probably considered launching an embeddable mobile wallet. The reasoning is clear: why surrender the relationship with your users and merchants to a third-party wallet when customers already trust you with their identity and payment credentials?
The challenge is securely and efficiently extending those user and device identities into third-party apps and checkout environments.
Until now, the usual answer has been to build another app or use OAuth through web-view links so users can authenticate during checkout in a third-party app or website. Think Plaid or Pay with Venmo. The experience, however, is rarely seamless.
Enter Passkeys
FIDO credentials are among the most important advances in internet security since SSL. They create a cryptographic, phishing-resistant connection between a user’s identity, their device—when the credential is device-bound—and the financial institution’s systems.
That relationship allows an institution to securely federate a user’s identity through a native mobile flow into third-party services, similar to the wallet experience Apple provides on its own devices.
Phishing-Resistant
Cryptographic credentials replace authentication factors that can be intercepted or socially engineered.
Native and Browserless
Users authenticate inside a mobile checkout flow without being redirected through fragile web views.
No Shared Secrets
The experience does not rely on broken links, reusable passwords, passphrases, or phishable OTPs.
What This Makes Possible
A bank can provide an embeddable wallet SDK to a financing company. A crypto brokerage can enable a native crypto checkout inside a food-delivery app. In both cases, identity and payment authorization remain secure without interrupting the customer journey.
This model could be especially powerful for interoperable crypto wallets that need strong security without relying solely on passphrases or separate hardware keys.
Building at Amwal
At Amwal, we are building an embeddable FIDO-based checkout wallet. Our first use case focuses on mobile checkout, enabling financial institutions to deliver more secure, native wallet experiences to their users.