Centralized exchanges and wallets should take the lead in using Account abstraction

Currently, when centralized exchanges and wallets process user tokens, the usual practices are as follows:

1. Assign an address to each user;
2. When the user transfers currency to a changed address, transfer a small amount of main chain tokens (ETH, BNB, TRX, etc) to the changed address.
3. Transfer the user token to the fund collection address of the exchange or wallet

This approach has some disadvantages:

1. The operation is complicated
2. The private key of each address needs to be strictly managed.
3. Fund collection requires a main chain token to be transferred to each address first as gas fee, and then funds can be collected.
4. Each address collection requires a transaction, and transactions cannot be merged.

Therefore, centralized exchanges and wallets can consider using Account Abstraction accounts as user addresses. This approach has several advantages:

1. Convenient collection. a. When creating an account, use the approve method to transfer the token transfer permission of the address to the collection address; b. You can transfer funds from multiple accounts in one transaction through contract methods, improving efficiency and saving gas at the same time;

The main disadvantage of this method is that when creating an AA account for the first time, a gas fee is required.