What is Smart Contract Account (SCA)?

A Smart Contract Account (SCA) is the designated recipient in a UserOperation. SCAs are highly programmable accounts capable of storing assets within on-chain smart contracts. Unlike Externally Owned Accounts (EOAs), which are governed by a private key, SCAs operate under complex, customizable verification logic.

The concept of Account Abstraction suggests the adoption of SCAs over EOAs as primary accounts for users seeking the added security and functional benefits. Consequently, individuals opting for these advantages would require their own SCA.

Sources: Ethereum, ERC4337.io, Alchemy