@aurel.eth
Embedded wallets ARE centralised, providers acknowledge this. Privy reconstructs the SSS on their server, they run on AWS exclusively (AFAIK), you have to trust them to do good with your key, and I’m sure they’ll do. But it is the definition of centralisation .
Embedded wallets are not bad. It’s a valid tradeoff for mainstream onboarding.
But apps should give the choice between external or embedded. Don't force one model and don’t make the external wallet a “thing of the past - like it’s 2020”