Stellar Development Foundation hosts roundtable on custodial vs non-custodial wallet design, featuring builders from Saldo MX, SatoshiPay, and D-Stock discussing key management approaches, regulatory considerations, and ecosystem needs like CAP27 multiplexed accounts and CEP30 recovery signers.
The SDF's third enterprise roundtable explores custodial versus non-custodial solutions for Stellar applications. Panelists from Saldo MX (anchor for Mexican Peso), SatoshiPay (micropayments and eTransfer), and D-Stock (tokenized securities) share their strategies. Key themes include user experience friction with self-custody, regulatory complexity around key management, and the need for ecosystem infrastructure. Discussions highlight CAP27 multiplexed accounts for cleaner payment routing and CEP30 recovery signers for key recovery without full custody. Panelists identify gaps: adoption of CAP27 standards, federated key recovery services, and regulated custodial partners. The conversation emphasizes that different user segments and business models require different approaches, from migrant workers needing simple transfers to sophisticated traders managing large positions.