ERC-4337

ERC-4337 enables account abstraction on Ethereum without consensus-layer changes, turning wallets into programmable smart contracts.

This standard introduces a higher-level mempool to replace traditional EOAs (Externally Owned Accounts) with smart accounts. By routing UserOperations through a decentralized Bundler network, users gain access to critical features like gasless transactions (Paymasters), multi-signature security, and social recovery. It eliminates the need for users to hold ETH for transaction fees or manage complex seed phrases. Major players like Safe and Polygon are already leveraging this infrastructure to bridge the UX gap between Web2 and Web3 (specifically through automated recurring payments and session keys).

https://eips.ethereum.org/EIPS/eip-4337