How to send crypto with Vaultr
Step-by-step guide to sending crypto from your non-custodial Vaultr smart wallet, including gas options, wallet 2FA, and the fees for each transfer type.
Sending crypto with Vaultr follows a clear, reviewable flow designed to stop mistakes before funds leave your wallet. Because Vaultr is built on account abstraction (the ERC-4337 standard, v0.7 UserOperation format), the experience is smoother than a traditional wallet while keeping you in full self-custody.
Vaultr is a non-custodial ERC-4337 smart wallet, so you always control your keys and your transactions can be gas-sponsored.
Quick answer
To send crypto in Vaultr, open your wallet, choose the token and chain, enter the amount and recipient address, review the details and network fee, then confirm with your PIN plus wallet 2FA to broadcast the transaction.
How do I send crypto step by step?
Follow these concrete steps in the Vaultr app:
- Open your wallet and tap Send.
- Choose the token you want to send. Vaultr supports assets across nine chains, so confirm you are on the right network (for example, ETH on Base versus ETH on Ethereum).
- Enter the amount. You can type a token amount; balances update live over WebSocket so you always see the current figure.
- Enter the recipient. Paste the destination address or scan a QR code. Double-check the first and last characters.
- Review the transaction. Vaultr shows the amount, recipient, chain, and the applicable fee before anything is signed.
- Confirm with your PIN plus wallet 2FA. This is a second factor that is independent of your login session.
- Broadcast. Vaultr packages the transaction as an ERC-4337 UserOperation and submits it through a Pimlico bundler.
What is wallet 2FA and why is it required to send?
Every send is protected by wallet 2FA, a layer that is separate from your login.
When you confirm a send:
- Vaultr issues a 64-byte one-time challenge held in Redis with a 30-second time-to-live.
- You satisfy it either with:
- a 6-digit OTP (SHA-256 hashed, compared in a timing-safe way, valid for 5 minutes, max 5 attempts before a 30-minute lockout), or
- biometric verification (an HMAC signature from your registered device).
- On success, a one-time-use JWT valid for 30 seconds is consumed atomically so it can never be replayed.
This 2FA flow is signed with its own key, separate from your login session, so a stolen session alone cannot move funds.
Do I need the native token to pay gas?
Not necessarily.
Vaultr supports gas sponsorship through a paymaster, which means a transaction can be submitted without you holding the chain’s native token.
You can also:
- Pay gas in other tokens via the paymaster.
- Batch multiple actions into one atomic transaction, so several steps either all succeed or all revert together.
What fees apply when I send?
Vaultr charges a transparent platform fee depending on the type of transfer:
- Vaultr-to-Vaultr: 0.10%
- External send: 0.25%
- Swap: 0.50%
- Cross-chain bridge: 0.30%
- Escrow release: 0.10%
All fee math uses BigInt arithmetic, so there is no floating-point rounding error. Your effective rate can be reduced with a BMZ fee tier (for example, holding or staking BMZ).
FAQ
Can I send to a non-Vaultr wallet?
Yes. Sending to any external address uses the external-send fee of 0.25%. Sending between two Vaultr users uses the lower Vaultr-to-Vaultr rate of 0.10%.
Can I cancel a transaction after I confirm?
Once broadcast through the bundler, a transaction is submitted to the network and cannot be recalled, which is why Vaultr requires an explicit review step and wallet 2FA before broadcasting.
Why do I confirm with both a PIN and 2FA?
The PIN authorizes the action in-app, while wallet 2FA proves possession of a separate, independently signed factor. Together they prevent an attacker with only your unlocked session from moving funds.
Ready to move funds? Explore the Vaultr smart wallet.
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