Stackup – RatEx42 Compliance & Trust Profile
Key Company Data
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Company Name: Stackup Finance, Inc.
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Founded: 2021
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Headquarters: Los Angeles, California, USA
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Legal Type: Privately held U.S. tech company
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Core Offerings: Smart contract wallets (ERC-4337), treasury automation tools, multichain asset management
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Target Audience: Crypto-native businesses, protocols, and institutional entities
🧩 Offering Overview
Stackup builds non-custodial smart wallets for businesses, using the ERC-4337 standard for account abstraction. Their wallets offer:
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Role-based user permissions
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Gas abstraction & passkey (WebAuthn) authentication
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Batch execution for complex transactions
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On-chain invoicing and fiat integration
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Multichain support: Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, BNB Chain
🔐 Security & Compliance
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Security Standards: SOC 2 Type II readiness, AWS Nitro Enclave usage, HTTPS encryption
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Authentication: Device-bound passkeys, phishing-resistant login
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Custody: Full self-custody design; Stackup never holds user funds
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Risk Management: Fail-safes to avoid mis-signed transactions and smart contract misuse
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Regulatory: Operates under U.S. jurisdiction; no enforcement actions or known red flags
👥 Team & Reputation
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CEO: John Rising — previously at SpaceX, MIT graduate
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CTO: Hazim Jumali — former Ethereum Foundation grantee, worked on TrustWallet backend
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The team has developed wallet infrastructure for Coinbase Wallet and TrustWallet
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Raised $4.2 million in seed funding from notable crypto VCs
🧠 Innovation & Technology
Stackup is an early leader in ERC-4337 account abstraction — a new wallet standard that separates keys from identity and allows features like:
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Social recovery
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Gasless transactions
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Delegated control and automation
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Modular transaction flows
🗣️ Public Sentiment
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Highly regarded by developers and auditors for its clean architecture
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Institutional-grade safeguards appreciated by enterprise users
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Community feedback highlights a “safety-first” user experience and clean UI
📊 RatEx42 Risk & Trust Ratings
| Category | Score (1–10) | Color | Comment |
|---|---|---|---|
| Legal & Licensing | 7.5 | 🟢 Green | U.S.-registered company, no regulatory conflicts |
| Security Architecture | 9.0 | 🟢 Green | SOC 2-ready, passkeys, AWS Nitro Enclaves |
| Technical Innovation | 9.0 | 🟢 Green | Cutting-edge ERC-4337 implementation |
| Operational Safety | 8.5 | 🟢 Green | Robust controls prevent transaction errors |
| Transparency & Documentation | 7.0 | 🟢 Green | Solid docs; audit reports expected |
| Reputation & Trust | 8.0 | 🟢 Green | Trusted by devs, security pros, and investors |
| Governance & Oversight | 8.0 | 🟢 Green | Enterprise-grade internal processes |
| Market Risk | 7.0 | 🟠 Orange | Still early-stage; long-term execution needs to be proven |
🧭 Final Summary
Stackup is building the most advanced enterprise crypto wallet stack in the market today. With industry-leading security architecture, smart automation features, and strong technical pedigree, the platform represents a major leap forward in blockchain finance infrastructure.
Final RatEx42 Rating: 🟢 8.4 / 10
Risk Level: Low-Moderate – High trust, high potential
