Accounts

Account types and addresses on XYZ Chain

Accounts

XYZ Chain uses standard account types with the xyz address prefix.

Address Formats

Type	Prefix	Example
Account	xyz1	xyz1abc123def456ghi789jkl012mno345pqr678stu
Validator	xyzvaloper1	xyzvaloper1abc123def456ghi789jkl012mno345pqr678stu
Consensus	xyzvalcons1	xyzvalcons1abc123def456ghi789jkl012mno345pqr678stu

Account Derivation

XYZ Chain uses the following HD path for key derivation:

m/44'/118'/0'/0/0

Level	Value	Meaning
Purpose	44’	BIP44 standard
Coin Type	118’	XYZ Chain
Account	0’	First account
Change	0	External chain
Index	0	First address

The coin type 118 ensures compatibility with wallets like Keplr.

Key Generation

Generate New Key

xyz keys generate mykey

Output:

Generated new keypair: mykey

Address: xyz1qwertyuiopasdfghjklzxcvbnm12345678
Mnemonic (save this securely):
word1 word2 word3 word4 word5 word6 word7 word8 word9 word10 word11 word12

WARNING: Write down your mnemonic phrase and store it securely.

Import Existing Key

xyz keys import mykey --mnemonic "word1 word2 word3 ... word12"

Or interactively:

xyz keys import mykey
# Enter your 12 or 24 word mnemonic:

List Keys

xyz keys list

Output:

NAME      ADDRESS
mykey     xyz1qwertyuiopasdfghjklzxcvbnm12345678
alice     xyz1aliceaddress...
bob       xyz1bobaddress...

Export Key

xyz keys export mykey

This exports an armored ASCII format that can be imported into other wallets.

Test Accounts

The local development network (xyz localnet) includes pre-funded test accounts:

Name	Balance	Mnemonic
alice	1,000,000 XYZ	abandon abandon abandon abandon abandon abandon abandon abandon abandon abandon abandon about
bob	500,000 XYZ	Standard test mnemonic

Never use test mnemonics for real funds. These are well-known phrases used only for development.

Keyring Backends

The CLI supports multiple storage backends for private keys:

OS Backend (Recommended)

Uses the operating system’s secure keychain:

• macOS: Keychain
• Windows: Credential Manager
• Linux: Secret Service (GNOME Keyring, KWallet)

xyz config set keyring-backend os

File Backend

Stores keys in an encrypted file at ~/.xyz/keyring-file/:

xyz config set keyring-backend file

File backend requires a passphrase for each operation.

Test Backend

Stores keys unencrypted (development only):

xyz config set keyring-backend test

Never use test backend for real funds. Keys are stored in plain text.

Account Operations

Check Balance

# By address
xyz balance xyz1abc123...

# By key name
xyz balance --key mykey

View Transaction History

xyz tx history xyz1abc123...
# or
xyz tx history --key mykey

Using xyzd

For advanced operations, use the chain daemon:

# List all keys
xyzd keys list --home ~/.xyz --keyring-backend os

# Show specific key
xyzd keys show mykey --home ~/.xyz --keyring-backend os

# Get account info from chain
xyzd query auth account xyz1abc123... --node tcp://localhost:26657

Account Types

Standard Account

Regular user accounts created with xyz keys generate.

{
  "@type": "/cosmos.auth.v1beta1.BaseAccount",
  "address": "xyz1...",
  "pub_key": {
    "@type": "/cosmos.crypto.secp256k1.PubKey",
    "key": "..."
  },
  "account_number": "42",
  "sequence": "7"
}

Module Account

System accounts owned by chain modules (not user-controlled):

Module	Address	Permissions
fee_collector	xyz1...	None (receives fees)
distribution	xyz1...	None (holds rewards)
bonded_tokens_pool	xyz1...	Burner, Staking
not_bonded_tokens_pool	xyz1...	Burner, Staking
gov	xyz1...	Burner
wasm	xyz1...	Burner

Contract Account

Accounts created when instantiating WASM contracts:

xyz program info xyz1contractaddress...

Security Best Practices

Backup your mnemonic

• Write it on paper (not digital)
• Store in multiple secure locations
• Consider metal backup for fire/water resistance
• Never share with anyone

Use hardware wallets

For significant holdings, use Ledger or similar hardware wallets with XYZ Chain support.

Verify addresses

Always double-check the first and last 4-6 characters of addresses before sending.

Use test accounts for development

Keep real funds on separate keys from development/testing activities.