Week 21 at Loyal

The new web app is live with automatic smart account creation, and multisig out of the box.

Rodion, founder3 min readMay 19, 2026

The new web app is live with automatic smart account creation, and multisig out of the box.

The Web App

The web app is the surface we have been moving toward all year. Open it, connect a wallet, and you land on the same shielded balance and yield logic that runs on mobile and desktop, in a browser, with nothing to install.

What it ships with is the part worth pausing on. USDC shielding is wired straight to yield, so the moment your dollars are private they are also earning, up to 8% APY through the same Kamino integration we have been refining for months. There is no second click, no separate vault, no choice between privacy and yield. The point we have been making all year is now the default behavior of the app.

Smart Accounts on Connect

The web app sponsors a Squads smart account for you the moment you connect the vault. No setup screen, no fees on your end, no walking a normie through what a multisig is before they can use the product. You connect, the smart account is there, and the policies we shipped last week are already wrapping it.

This closes the loop on smart accounts as a default. Until now, getting one meant going through a flow most people would bounce out of. Sponsored creation removes the cost and the friction in one move. The wallet you get on first connect is the one we actually want you to use.

Multisig in the Browser

Multisig transactions are live in the web app. The Squads account behind your balance is a real multisig, and the web app speaks to it like one. That is what makes the sponsorship above worth doing, because a smart account without multisig is just a wallet with extra steps. Now it is a wallet with rules, signed the way it is supposed to be signed.

For the teams using Loyal as a shared treasury, this is the surface they have been waiting for. For everyone else it is the foundation the agentic features sit on top of, and the reason we can keep saying the agent only spends what you let it spend.

Yield Routing Next

Yield optimization and yield routing ship next week. The short version is that the same shielded balance will move across the best available yield sources on its own, with the privacy and the policies still in place. We will say more when it is live. The long version is that this is the API we expect to be the strongest secure yield surface in the game, and the reason a lot of the plumbing this week looked the way it did.