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Squads Grid: REST smart accounts for fintech apps

· AUG 30, 2026 ·
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Grid is the Squads REST API. Create a smart account, move money, attach passkeys. V4 on-chain multisig stays the program article.

devrels.xyz/a/274

Squads Grid is a hosted REST API for Solana smart accounts. You create an account, set policy, move stables, attach a passkey. Squads runs RPC, indexing, and landing. SDK: @sqds/grid. Dashboard keys: grid.squads.xyz/dashboard.

The on-chain V4 multisig is a different surface. That program, vaults, and proposals live in Squads multisig. Grid talks to the smart-account program over HTTP. Bank-API chooser: Bridge vs Sphere vs Squads Grid.

Which surface

Grid vs V4 SDK
SurfaceJob
Grid @sqds/gridREST at https://grid.squads.xyz. Email or signer accounts, payment intents, passkeys, KYC, virtual accounts.
V4 @sqds/multisigDirect program ix. Threshold, time lock, vault PDA. Program SQDS4ep65T869zMMBKyuUq6aD6EgTu8psMjkvj52pCf.

Client

Header Authorization: Bearer plus x-grid-environment: sandbox, devnet, or mainnet. Fees in SOL or USDC. Do not reuse a sandbox address on mainnet.

typescript
import { GridClient } from "@sqds/grid"

const gridClient = new GridClient({
  environment: "sandbox",
  apiKey: process.env.GRID_API_KEY!,
  baseUrl: "https://grid.squads.xyz",
})

Raw HTTP is the same host. Create: POST /api/grid/v1/accounts. Email flow needs OTP verify. Signer flow returns the address immediately with a threshold. Balances: GET /api/grid/v1/accounts/{address}/balances.

What you call next

Payment intents move funds between Grid accounts and external rails. Passkeys create or authorize a WebAuthn session. Spending limits cap transfers per period. Standing orders recur. Virtual accounts take fiat in. Compliance entities run KYB through Sumsub and related providers. Docs index: developers.squads.so/llms.txt.

Quickstart: Grid accounts. Overview: Squads API. App: app.squads.so.

People and links

Squads
Who / whatWhere
GitHubSquads-Protocol · v4
X@SquadsLabs
npm@sqds/grid · @sqds/multisig
RelatedV4 on-chain · Bank APIs

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Squads Grid: REST smart accounts for fintech apps | devrels.xyz