I gave a talk yesterday about the strategies embedded wallets can use to move from siloes to global wallets. It also reviews Coinbase's Smart wallet that rolled out a few days ago. 

https://www.youtube.com/watch?v=rNi_mn7o6Bc

Excellent perspectives on the evolutions of web3 wallets from @itai.

TLDR Wallets are not one size fits all, new user onboarding is THE critical first step, and teams are taking different approaches to solve the progressive evolution from siloed to interoperable wallets.

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