ETHPragueConf 2025

Pectra’s Impact on Peer-to-Peer UX: A New Era for Decentralized Markets
05-28, 16:30–16:55 (CET), Root

Peer-to-peer lending still suffers from wallet pop-ups, unbounded approvals, and intent flows where users blindly sign a Merkle-tree for aggregation. Ethereum’s Pectra fork changes that. EIP-5792 lets a dApp bundle all approvals, contract calls and loan creation into one transaction, while EIP-7702 turns any EOA into a lightweight smart wallet that runs audited modules without surrendering keys.


Vitalik drafted EIP-7702 in twenty-two minutes; in the same span we’ll show what it brings to peer-to-peer lending.

We start with today’s pain: endless wallet pop-ups, infinite approvals, and too many transactions. Next we show how EIP-5792 batching removes those clicks and how 7702 lets a regular EOA act like a mini smart contract while still shielding users from unsafe code.

You will learn
- which actions 7702 allows or blocks
- how on-chain and off-chain signatures change for intent protocols
- the safest way to add account abstraction to a dApp flow
- why AI agents will soon automate many of these steps

Clear examples, live gas numbers, and a concise safety checklist help builders and everyday lenders upgrade UX while staying safe in the post-Pectra world.

More than dev at @pwndao