1) What this is
An account model describes how a platform represents user state: balances, access controls, and identity association.
In crypto-related interfaces, account models often blend wallet identifiers with platform-managed profiles, creating hybrid representations.
2) How it is commonly described
Account models are commonly described as either “account-based” (platform login and internal ledger) or “wallet-based” (address-centric). Many surfaces are described as hybrid, where a wallet is used for access while balances are represented internally.
Descriptions frequently use terms like “custodial” and “non-custodial” as shorthand. In practice, these terms can be used inconsistently across different contexts.
3) What varies by platform
Platforms vary in whether a wallet connection is optional or required, whether an email/password profile exists alongside a wallet, and how session state is maintained.
They also vary in whether balances are represented as purely on-chain holdings, purely internal ledger entries, or a combination with automatic sweeps or pooling.
4) What must not be inferred
This page does not assess any operator, and it does not establish quality, reliability, compliance, or outcomes.
Interface terms and labels are descriptions. They are not proof of internal controls or external status, and they should not be treated as a complete account of how a platform works.
As an illustrative example only, may use similar category labels or flows; that mention is not an endorsement and does not imply preference.