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Emir Taner
Emir Taner

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Why Product Managers in Crypto Should Understand Wallet-as-a-Service (And How I Learned It the Hard Way)

Let me guess: you’re a crypto PM who “doesn’t need to know the tech in detail” because “that’s what engineers are for.”
Yeah. That was me too. Until my roadmap met reality. 😅

“Just Add a Wallet” – Famous Last Words

Naive me, a year ago:

Let’s just add a built-in wallet. It’s basic stuff — send, receive, swap. Two sprints max.

Then came:

  • endless calls about key management and custody models
  • arguments about self-custody vs custodial flows
  • fun new words like HSM, MPC, KMS, SLAs, audits, incident response, chain support…

At some point, one of the devs quietly dropped:
“What you’re describing is basically a Wallet-as-a-Service integration. Or a new department.”

That’s when it hit me: I was planning features for something I fundamentally didn’t understand.

What PMs Think WaaS Is vs What It Actually Is 🧩

I used to think WaaS = “an API that creates wallets.”
In reality, WaaS = an entire infrastructure layer you’re outsourcing:

  • key generation & storage 🔐
  • signing transactions
  • chain abstraction (hello, multi-chain hell)
  • compliance & monitoring
  • uptime, scaling, and all the “it’s 3 AM and something broke” stuff

As a PM, if you don’t get this, you can’t:

  • estimate anything realistically
  • prioritize tech debt vs features
  • negotiate scope with your team or vendor
  • explain to stakeholders why “just add this chain” is not a Tuesday task

Where WhiteBIT WaaS Finally Clicked for Me ⚙️

The “aha” moment happened when I started looking at real products, not just pretty marketing pages. One of the cases was WhiteBIT WaaS.
Here’s what became obvious in practice:

  • WaaS gives you a ready-made backend for wallet operations - you work with APIs, not raw keys.
  • Questions like “how do we store keys, scale infra, and monitor transactions” are partially handled for you - you focus on the product, not on building a crypto data center in hell.
  • Instead of spending months building your own wallet infrastructure, you can launch prototypes and test hypotheses much faster ⚡️

And this is where the PM role suddenly shifts: you’re no longer just drawing features, you’re making decisions about:

  • which flows are delegated to the WaaS layer
  • what stays in your own business logic
  • how UX should look if there’s a third-party provider under the hood

So What Should a Crypto PM Actually Know? 📋

No, you don’t need to write the SDK. But you do need a basic grasp of:

  • custody models (self-custody vs custodial, shared vs individual wallets)
  • what a typical WaaS flow looks like: user → app → backend → WaaS → blockchain
  • what guarantees the provider gives: uptime, security, logging, limits
  • where the provider’s responsibility ends and yours begins

This isn’t “extra tech knowledge for the CV.” It’s the difference between:

  • “We missed the deadline because it turned out to be more complex.
    and

  • “Here’s the justified scope, risk profile, and a realistic release plan.”

The Hard Lesson

I didn’t learn this from a book. I learned it from a failed release, an angry tech lead, and a roadmap we had to rewrite from scratch.

If you’re a PM in crypto and still treat Wallet-as-a-Service as “implementation detail,” you’re voluntarily playing on hard mode.

Learn the infra, look at real products like WhiteBIT WaaS, talk to devs in their language - and your features will finally stop being fantasy on a kanban board and actually ship to production 🚀

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