Are seed-phrase-free crypto wallets the key to mass self-custody? Expert weighs in

A new wave of self-custodial smart accounts aims to eliminate seed phrases, introduce card-based spending and remove the fear of losing access to crypto forever.

Crypto’s longstanding user-experience hurdle, the dreaded seed phrase, is facing a serious challenge. As wallet providers experiment with programmable smart accounts and simplified recovery, the debate about self-custody is shifting from technical responsibility to everyday usability.

In this week’s episode of The Clear Crypto Podcast, host Nathaniel Whittemore, Cointelegraph’s Gareth Jenkinson, and Ready (formerly Argent) CEO Itamar Lesuisse address how privacy, self-custody, Bitcoin-backed borrowing and seed-phrase-free wallets are converging to reshape how people store and spend digital assets.

One recurring concern among crypto newcomers and veterans alike is the fragility of seed-phrase security. As Jenkinson noted, users often underestimate how easy it is to lose access:

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