Cryptocurrency wallet with risk attribution

A system comprising:

• a processor;
• and
• a memory storing instructions that upon execution by the processor cause the processor to:
• intercept, in real time and prior to submission to a blockchain endpoint, using an interface of an approved cryptocurrency wallet, a proposed transaction initiated by a user to an unapproved cryptocurrency wallet;
• extract, from the proposed transaction, an address of a counterparty to which a payment is to be made from the approved cryptocurrency wallet;
• perform a fuzzy matching comparison of the address of the counterparty with a plurality of addresses in an allow list, the plurality of addresses representing addresses allowed for transactions using the approved cryptocurrency wallet;
• based on the fuzzy matching comparison, determine whether the address of the counterparty matches more than a threshold percentage of at least one of the plurality of addresses in the allow list;
• upon determining that the address of the counterparty matches more than the threshold percentage of the at least one of the plurality of addresses in the allow list, transmit the address of the counterparty to a risk service that performs an on-chain, real-time risk analysis to generate a risk score;
• cause display of the risk score for the proposed transaction via a graphical user interface of the approved cryptocurrency wallet;
• in response to the display of the risk score, automatically receive an indication whether to submit or abort the proposed transaction;
• upon determining that the indication is to submit the proposed transaction, present, by transforming the graphical user interface of the approved cryptocurrency wallet, an alert, in real-time before the payment associated with the proposed transaction, that the risk score has been acknowledged;
• and
• upon determining that the indication is to abort the proposed transaction, automatically abort the proposed transaction without consumption of blockchain processing resources by the blockchain endpoint.

A computer storage medium storing instructions that upon execution by a processor cause the processor to:

• intercept, in real time and prior to submission to a blockchain endpoint, using an interface of an approved cryptocurrency wallet, a proposed transaction initiated by a user to an unapproved cryptocurrency wallet;
• extract, from the proposed transaction, an address of a counterparty to which a payment is to be made from the approved cryptocurrency wallet;
• perform a fuzzy matching comparison of the address of the counterparty with a plurality of addresses in an allow list, the plurality of addresses representing addresses allowed for transactions using the approved cryptocurrency wallet;
• based on the fuzzy matching comparison, determine whether the address of the counterparty matches more than a threshold percentage of at least one of the plurality of addresses in the allow list;
• upon determining that the address of the counterparty matches more than the threshold percentage of the at least one of the plurality of addresses in the allow list, transmit the address of the counterparty to a risk service that performs an on-chain, real-time risk analysis to generate a risk score;
• cause display of the risk score for the proposed transaction via a graphical user interface of the approved cryptocurrency wallet;
• in response to the display of the risk score, automatically receive an indication whether to submit or abort the proposed transaction;
• upon determining that the indication is to submit the proposed transaction, present, by transforming the graphical user interface of the approved cryptocurrency wallet, an alert, in real-time before the payment associated with the proposed transaction, that the risk score has been acknowledged;
• and
• upon determining that the indication is to abort the proposed transaction, automatically abort the proposed transaction without consumption of blockchain processing resources by the blockchain endpoint.