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Embedded Wallet vs. Connected Wallet — Which Am I Using?

Updated by Frenchie

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If you signed in with email, X, Farcaster, or Telegram, you're using an embedded Bankr wallet. If you linked MetaMask, Coinbase Wallet, or a hardware wallet, you're using a connected wallet. Many questions ("where did my funds go?", "why am I paying gas?", "why can't I subscribe?") come down to which one you're in.

The Two Wallet Modes

Embedded Bankr wallet: created automatically when you sign in with email, X, Farcaster, or Telegram. Bankr signs transactions for you, which is what makes gas sponsorship and one-message trading possible. The keys can't be exported: there's no seed phrase, and the wallet stays tied to the account that created it.

Connected (external) wallet: your own wallet (MetaMask, Coinbase Wallet, a hardware wallet) linked to Bankr. You keep the keys and sign transactions yourself.

What Requires Which

  • Bankr Club subscriptions: embedded wallet only. Club payments are signed by Bankr for you, and Bankr doesn't hold keys for external wallets. On an external wallet, use Max Mode instead; it works with any wallet.

  • Gas sponsorship: embedded wallets only, on most EVM chains, up to a daily allowance. Ethereum and Arc are never sponsored, and Solana only in limited cases. See Supported Chains on docs.bankr.bot for each chain.

  • Avantis stop-loss and take-profit updates, NFT collection offers, and Polymarket: embedded wallet only. They need a signature the connected-wallet flow can't provide.

  • Some NFT purchases: the reverse. Collections using royalty-enforcement contracts (LimitBreak) block gas-sponsored wallets, so those need external wallet mode.

  • Fee claiming: works differently in each mode. If you see unexpected gas charges or fee-claim behavior, check which wallet mode you're in first.

"My funds disappeared": the usual causes

Usually the funds are fine and you're looking at a different wallet:

  • Signed in with a different account. Each login method can lead to a different wallet. If you created your wallet with X and later signed in with email, you may be looking at a new, empty wallet. Log out of bankr.bot completely, sign back in with the account you first used, and check whether your wallet address and Club status are back.

  • Account not linked. Bankr doesn't merge an X or Farcaster account into your wallet on its own; an unlinked account gets its own wallet. Link it under your profile menu → Account → Linked accounts at bankr.bot.

  • Session mismatch. Browser sessions can get out of sync. A full log-out and log-in with the same account usually fixes it.

  • Several linked accounts. If you've linked several, Bankr may have opened a different wallet than you expected.

You can always check where your funds are on-chain: look up your wallet address on Basescan (or the right chain's explorer).

Tip: to avoid getting locked out, sign in to the wallet that holds your assets and link your email as a backup login under your profile menu → Account → Linked accounts. Both logins then open the same wallet.

Depositing Funds

Send tokens to your Bankr wallet address on the chain you want to use them on. For Base (most common), send ETH on Base. Don't send funds on unsupported chains or the wrong network.

Still can't find your funds?

If a full log-out and log-in with your original account doesn't bring your wallet back, open a ticket at the Bankr Help Center with your wallet address and the handle you signed up with.

For more detail, see the Wallets FAQ on docs.bankr.bot.