Non-custodial, recoverable wallet that stores private key amongst multiple secure storage mechanisms

An apparatus for operating a self-custodial electronic application associated with a user and executing on a user device, the apparatus comprising:

• one or more data processors;
• and
• one or more computer readable media including instructions that, when executed by the one or more data processors, cause the one or more processors to perform a process for:
• receiving a request to execute a transaction with a decentralized finance service;
• retrieving a wallet private key as needed to execute the transaction, the wallet private key further retrieved by the steps of:
• accessing metadata associated with the user to determine:
• a user-specified passphrase;
• and
• user access credentials for a social service;
• accessing the social service via the user credentials to retrieve a social token;
• accessing a metadata key service via the social token, to retrieve a metadata key;
• accessing a trusted host service, using the social token and the metadata key, to:
• retrieve a social share;
• and
• further using the passphrase, retrieve a passphrase share;
• accessing local storage on the user device, via a biometric, to retrieve a device share;
• and
• using the user-specified sharing parameter and two or more of the social share, the device share, and passphrase share to reconstruct the private key only in memory of the user device;
• encrypting the transaction using the private key and public key;
• and forwarding the encrypted transaction to the decentralized finance service.