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The constraint in crypto consumer apps is custody: who holds the private keys determines counterparty exposure, recovery options, and the architecture decisions that flow from both.
World has launched World Money, a self-custodial super app rolling out across more than 150 countries, combining stablecoin payments, digital asset rewards, and trading in one interface.
Custody as the architecture decision In a custodial wallet, the provider controls the keys and the user holds a claim against that provider.
Custodial products are often easier to build and easier for users to recover from mistakes, but they reintroduce an intermediary layer. Self-custody moves key control to the user directly.
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