Breez has partnered with Turnkey to let developers add non-custodial bitcoin to applications that run wallets from their own servers. The integration solves a structural problem: many mainstream apps operate with a single backend handling millions of users, and adding bitcoin under that design meant holding user keys on company servers — making them custodians with licensing, liability, and security burdens. The alternative was building a separate device-based wallet, which breaks the architecture these apps use to scale.
How the new model works
Under the new model, each user gets a wallet whose keys are created and stored inside Turnkey's secure enclaves, out of reach of the app's servers, Breez, and Turnkey. The company's backend holds a credential that defines what actions it can take, but authority to move funds rests with the user. The approval flow: the user holds a credential (e.g., a passkey registered with Turnkey at signup), the server prepares a transaction and displays amount, fee, and destination; the user approves, and the transaction completes. The server cannot spend funds without approval. For the user, the app's existing flow doesn't change, and there's no seed phrase to record.
What this means for exchanges and fintechs
Breez positioned the release as a way for exchanges, fintechs, and neobanks to offer bitcoin and stablecoin services to large user bases without taking custody of funds. Exchanges can automate payouts under rules their security teams define, and fintechs can add a non-custodial bitcoin service inside their existing interface. Turnkey provides embedded wallet infrastructure used by a range of consumer apps and holds a SOC 2 audit.
The broader Breez SDK push
The partnership extends a series of Breez SDK features: Passkey Login replaced the seed phrase, Stable Balance addressed price volatility, and a separate feature added support for sending stablecoins USDT and USDC. Turnkey supports Spark, the network the Breez SDK is built on. Paired with Breez's server mode, a single backend can manage wallets for millions of users without storing keys.
The companies say the combined tools let backend-run products offer bitcoin and stablecoins to users while custody of the assets stays with those users. That's the core promise — and the reason large consumer apps might finally add bitcoin without becoming custodians themselves.
