Last updated 27 Jan 2026
Serious builders, even when working solo, already behave like teams. Deploying contracts, managing assets, paying vendors, receiving revenue. Managing these ops from a personal EOA creates operational and accounting debt for your future self.
Here are a few things we’ve observed from solo builders using Splits.
Builders routinely spin up isolated accounts for individual projects, experiments, contracts, or revenue sources.
Early on it’s hard to know which projects will turn into something. Keeping transactions, assets, and operational activity separate from personal funds avoids cleanup later. It also makes it much easier to shut things down cleanly when something doesn’t work out.
Builders create a dedicated account per project, run all project-related activity through it, and handle everything from a single dashboard. If the project flops, the account is closed. If it succeeds, the account may upgrade to become the start of a new team.
We also see builders create separate accounts to isolate asset types and make accounting simpler. For example, separate accounts for stables, investments, NFTs, etc. This adds obfuscation and provides granular control of their treasury, while still allowing you to generate a single CSV with historical pricing data for tax season.
Builders use 1-of-2 or 2-of-3 multisig accounts where every signer is controlled by the same individual.
This makes their accounts more resilient. A single device, browser profile, or private key is a single point of failure. Multisigs reduce the chance that one mistake or loss becomes catastrophic.
Common setups mix hardware and software signers: a hardware key plus a password manager, or two devices stored in different physical locations.
Builders often attach multiple email identities to a single team.
Requiring access to more than one inbox to move funds introduces intentional friction. It forces you to pause at the exact moment when mistakes are most expensive.
Use two separate providers—often something like Gmail and Proton—each secured with its own passkeys. Large or sensitive actions require access to both.
Before incorporating, builders connect personal bank accounts to move between fiat and crypto.
Builders need to pay vendors, reimburse themselves for off-chain costs, and keep a clean paper trail while things are still informal. Expenses are real even if the company isn’t yet.