@deserialize/multi-vm-wallet 1.5.1 → 1.5.2

package/MULTI_CHAIN_SAVINGS_PLAN.md

@@ -0,0 +1,1028 @@
+# Multi-Chain Savings Manager - Implementation Plan
+
+**Created**: 2026-02-02
+**Status**: 📋 Planning Phase
+**Pattern**: Following EVM/SVM VM architecture
+
+---
+
+## 🎯 Architecture Pattern (Based on VM Structure)
+
+### Current VM Pattern
+```typescript
+// Base abstract VM class
+abstract class VM<AddressType, PrivateKeyType, ConnectionType> { }
+
+// EVM implementation
+class EVMVM extends VM<string, string, PublicClient> {
+    derivationPath = "m/44'/60'/0'/0/";
+}
+
+// SVM implementation
+class SVMVM extends VM<PublicKey, Keypair, Connection> {
+    derivationPath = "m/44'/501'/";
+}
+```
+
+### New Savings Pattern (Same Structure)
+```typescript
+// Base abstract savings manager
+abstract class SavingsManager<AddressType, ClientType, WalletClientType> { }
+
+// EVM savings implementation
+class EVMSavingsManager extends SavingsManager<Hex, PublicClient, WalletClient> {
+    coinType = 60;
+}
+
+// SVM savings implementation
+class SVMSavingsManager extends SavingsManager<PublicKey, Connection, Keypair> {
+    coinType = 501;
+}
+
+// Multi-chain orchestrator
+class MultiChainSavingsManager {
+    private evmManagers: Map<string, EVMSavingsManager>;
+    private svmManagers: Map<string, SVMSavingsManager>;
+}
+```
+
+---
+
+## 📁 File Structure (Following EVM/SVM Pattern)
+
+```
+utils/savings/
+├── index.ts                    // Export all savings modules
+├── types.ts                    // Shared types (existing, extend)
+├── validation.ts               // Validation utilities (existing, extend)
+│
+├── savings-manager.ts          // Base abstract SavingsManager class
+├── evm-savings.ts              // EVMSavingsManager implementation
+├── svm-savings.ts              // SVMSavingsManager implementation
+├── multi-chain-savings.ts      // MultiChainSavingsManager orchestrator
+│
+└── utils/
+    ├── chain-config.ts         // Chain configuration helpers
+    └── balance-aggregator.ts   // Balance aggregation utilities
+```
+
+---
+
+## 🏗️ Implementation Plan
+
+### Phase 1: Base Abstract Class ⚡
+
+**File**: `utils/savings/savings-manager.ts`
+
+```typescript
+import { Balance, TransactionResult } from "../types";
+
+/**
+ * Abstract base class for savings managers (similar to VM)
+ *
+ * @template AddressType - Address format (Hex for EVM, PublicKey for SVM)
+ * @template ClientType - RPC client type (PublicClient for EVM, Connection for SVM)
+ * @template WalletClientType - Wallet client type (WalletClient for EVM, Keypair for SVM)
+ */
+export abstract class SavingsManager<
+    AddressType,
+    ClientType,
+    WalletClientType
+> {
+    protected mnemonic: string;
+    protected walletIndex: number;
+    protected disposed: boolean = false;
+
+    // Abstract properties (implemented by subclasses)
+    abstract coinType: number;
+    abstract derivationPathBase: string;
+
+    // Pocket cache: Map<pocketIndex, Pocket>
+    protected pockets: Map<number, {
+        privateKey: any;
+        address: AddressType;
+        derivationPath: string;
+        index: number;
+    }> = new Map();
+
+    constructor(mnemonic: string, walletIndex: number = 0) {
+        this.mnemonic = mnemonic;
+        this.walletIndex = walletIndex;
+    }
+
+    // Abstract methods (must be implemented by subclasses)
+    abstract derivePocket(accountIndex: number): {
+        privateKey: any;
+        address: AddressType;
+        derivationPath: string;
+        index: number;
+    };
+
+    abstract getMainWallet(): {
+        privateKey: any;
+        address: AddressType;
+        derivationPath: string;
+    };
+
+    abstract createClient(rpcUrl: string): ClientType;
+
+    // Shared methods (implemented in base class)
+    getPocket(accountIndex: number) {
+        if (!this.pockets.has(accountIndex)) {
+            return this.derivePocket(accountIndex);
+        }
+        return this.pockets.get(accountIndex)!;
+    }
+
+    clearPocket(accountIndex: number): void {
+        if (this.pockets.has(accountIndex)) {
+            const pocket = this.pockets.get(accountIndex)!;
+            (pocket as any).privateKey = '';
+            this.pockets.delete(accountIndex);
+        }
+    }
+
+    clearAllPockets(): void {
+        for (const [_, pocket] of this.pockets.entries()) {
+            (pocket as any).privateKey = '';
+        }
+        this.pockets.clear();
+    }
+
+    dispose(): void {
+        if (this.disposed) return;
+        this.clearAllPockets();
+        (this as any).mnemonic = '';
+        this.disposed = true;
+    }
+
+    isDisposed(): boolean {
+        return this.disposed || !this.mnemonic;
+    }
+
+    protected checkNotDisposed(): void {
+        if (this.isDisposed()) {
+            throw new Error('SavingsManager has been disposed');
+        }
+    }
+}
+```
+
+---
+
+### Phase 2: EVM Implementation ⚡
+
+**File**: `utils/savings/evm-savings.ts`
+
+```typescript
+import { SavingsManager } from "./savings-manager";
+import { Hex, PublicClient, WalletClient, createPublicClient, createWalletClient, http } from "viem";
+import { EVMDeriveChildPrivateKey, mnemonicToSeed } from "../walletBip32";
+import { ChainWalletConfig, Balance, TransactionResult } from "../types";
+import { ethers } from "ethers";
+import {
+    fromChainToViemChain,
+    getNativeBalance,
+    getTokenBalance,
+    sendNativeToken,
+    sendERC20Token
+} from "../evm";
+import { SavingsValidation } from "./validation";
+import { privateKeyToAccount } from "viem/accounts";
+
+/**
+ * EVM Savings Manager
+ *
+ * Manages savings pockets across EVM-compatible chains (Ethereum, Polygon, BSC, etc.)
+ * All EVM chains use the same addresses (coin type 60)
+ */
+export class EVMSavingsManager extends SavingsManager<Hex, PublicClient, WalletClient> {
+    coinType = 60;
+    derivationPathBase = "m/44'/60'/";
+
+    private chain: ChainWalletConfig;
+    private _client?: PublicClient;
+
+    constructor(
+        mnemonic: string,
+        chain: ChainWalletConfig,
+        walletIndex: number = 0
+    ) {
+        super(mnemonic, walletIndex);
+
+        SavingsValidation.validateMnemonic(mnemonic);
+        SavingsValidation.validateWalletIndex(walletIndex);
+        SavingsValidation.validateChainId(chain.chainId);
+
+        this.chain = chain;
+    }
+
+    // Lazy client creation (like VM pattern)
+    get client(): PublicClient {
+        if (!this._client) {
+            this._client = this.createClient(this.chain.rpcUrl);
+        }
+        return this._client;
+    }
+
+    createClient(rpcUrl: string): PublicClient {
+        return createPublicClient({
+            chain: fromChainToViemChain(this.chain),
+            transport: http(rpcUrl)
+        });
+    }
+
+    clearClient(): void {
+        this._client = undefined;
+    }
+
+    derivePocket(accountIndex: number) {
+        this.checkNotDisposed();
+        SavingsValidation.validateAccountIndex(accountIndex);
+
+        const pocketIndex = accountIndex + 1; // Preserve index 0 for main wallet
+        const derivationPath = `${this.derivationPathBase}${pocketIndex}'/0/${this.walletIndex}`;
+        const seed = mnemonicToSeed(this.mnemonic);
+        const { privateKey } = EVMDeriveChildPrivateKey(seed, this.walletIndex, derivationPath);
+        const wallet = new ethers.Wallet(privateKey);
+
+        const pocket = {
+            privateKey,
+            address: wallet.address as Hex,
+            derivationPath,
+            index: pocketIndex
+        };
+
+        this.pockets.set(accountIndex, pocket);
+        return pocket;
+    }
+
+    getMainWallet() {
+        this.checkNotDisposed();
+        const derivationPath = `${this.derivationPathBase}0'/0/${this.walletIndex}`;
+        const seed = mnemonicToSeed(this.mnemonic);
+        const { privateKey } = EVMDeriveChildPrivateKey(seed, this.walletIndex, derivationPath);
+        const wallet = new ethers.Wallet(privateKey);
+
+        return {
+            privateKey,
+            address: wallet.address as Hex,
+            derivationPath
+        };
+    }
+
+    getMainWalletAddress(): Hex {
+        return this.getMainWallet().address;
+    }
+
+    // Balance operations
+    async getPocketBalance(pocketIndex: number, tokens: string[]): Promise<{
+        address: Hex | 'native';
+        balance: Balance;
+    }[]> {
+        SavingsValidation.validateAccountIndex(pocketIndex);
+
+        const pocket = this.getPocket(pocketIndex);
+        const balances: { address: Hex | 'native'; balance: Balance }[] = [];
+
+        // Get native balance
+        const nativeBalance = await getNativeBalance(pocket.address, this.client);
+        balances.push({ address: 'native', balance: nativeBalance });
+
+        // Get token balances
+        await Promise.all(tokens.map(async (token) => {
+            SavingsValidation.validateAddress(token, 'Token address');
+            const tokenBalance = await getTokenBalance(token as Hex, pocket.address, this.client);
+            balances.push({ address: token as Hex, balance: tokenBalance });
+        }));
+
+        return balances;
+    }
+
+    // Transfer operations
+    async transferToPocket(
+        mainWallet: WalletClient,
+        pocketIndex: number,
+        amount: string
+    ): Promise<TransactionResult> {
+        SavingsValidation.validateAccountIndex(pocketIndex);
+        SavingsValidation.validateAmountString(amount, 'Transfer amount');
+
+        const pocket = this.getPocket(pocketIndex);
+        return await sendNativeToken(mainWallet, this.client, pocket.address, amount, 5);
+    }
+
+    async transferTokenToPocket(
+        mainWallet: WalletClient,
+        tokenAddress: string,
+        pocketIndex: number,
+        amount: bigint
+    ): Promise<TransactionResult> {
+        SavingsValidation.validateAddress(tokenAddress, 'Token address');
+        SavingsValidation.validateAccountIndex(pocketIndex);
+        SavingsValidation.validateAmount(amount, 'Transfer amount');
+
+        const pocket = this.getPocket(pocketIndex);
+        return await sendERC20Token(mainWallet, this.client, tokenAddress as Hex, pocket.address, amount, 5);
+    }
+
+    async sendToMainWallet(
+        pocketIndex: number,
+        amount: bigint,
+        token: Hex | "native"
+    ): Promise<TransactionResult> {
+        SavingsValidation.validateAccountIndex(pocketIndex);
+
+        const pocket = this.getPocket(pocketIndex);
+        const account = privateKeyToAccount(`0x${pocket.privateKey}`);
+        const mainWalletAddress = this.getMainWalletAddress();
+
+        const walletClient = createWalletClient({
+            account,
+            transport: http(this.chain.rpcUrl),
+            chain: fromChainToViemChain(this.chain)
+        });
+
+        if (token === "native") {
+            return await sendNativeToken(walletClient, this.client, mainWalletAddress, amount);
+        }
+
+        return await sendERC20Token(walletClient, this.client, token, mainWalletAddress, amount);
+    }
+
+    dispose(): void {
+        super.dispose();
+        this.clearClient();
+    }
+}
+```
+
+---
+
+### Phase 3: SVM (Solana) Implementation ⚡
+
+**File**: `utils/savings/svm-savings.ts`
+
+```typescript
+import { SavingsManager } from "./savings-manager";
+import { Connection, PublicKey, Keypair } from "@solana/web3.js";
+import { SVMDeriveChildPrivateKey, mnemonicToSeed } from "../walletBip32";
+import { Balance, TransactionResult } from "../types";
+import {
+    getSvmNativeBalance,
+    getTokenBalance as getSvmTokenBalance,
+    signAndSendTransaction,
+    getTransferNativeTransaction,
+    getTransferTokenTransaction
+} from "../svm";
+import { SavingsValidation } from "./validation";
+import BN from "bn.js";
+
+/**
+ * Solana (SVM) Savings Manager
+ *
+ * Manages savings pockets on Solana
+ * Uses coin type 501 (different addresses than EVM)
+ */
+export class SVMSavingsManager extends SavingsManager<PublicKey, Connection, Keypair> {
+    coinType = 501;
+    derivationPathBase = "m/44'/501'/";
+
+    private rpcUrl: string;
+    private _client?: Connection;
+
+    constructor(
+        mnemonic: string,
+        rpcUrl: string,
+        walletIndex: number = 0
+    ) {
+        super(mnemonic, walletIndex);
+
+        SavingsValidation.validateMnemonic(mnemonic);
+        SavingsValidation.validateWalletIndex(walletIndex);
+
+        this.rpcUrl = rpcUrl;
+    }
+
+    // Lazy client creation
+    get client(): Connection {
+        if (!this._client) {
+            this._client = this.createClient(this.rpcUrl);
+        }
+        return this._client;
+    }
+
+    createClient(rpcUrl: string): Connection {
+        return new Connection(rpcUrl, 'confirmed');
+    }
+
+    clearClient(): void {
+        this._client = undefined;
+    }
+
+    derivePocket(accountIndex: number) {
+        this.checkNotDisposed();
+        SavingsValidation.validateAccountIndex(accountIndex);
+
+        const pocketIndex = accountIndex + 1;
+        const derivationPath = `${this.derivationPathBase}${pocketIndex}'/0/${this.walletIndex}`;
+        const seed = mnemonicToSeed(this.mnemonic);
+        const keypair = SVMDeriveChildPrivateKey(seed, this.walletIndex, derivationPath);
+
+        const pocket = {
+            privateKey: keypair,
+            address: keypair.publicKey,
+            derivationPath,
+            index: pocketIndex
+        };
+
+        this.pockets.set(accountIndex, pocket);
+        return pocket;
+    }
+
+    getMainWallet() {
+        this.checkNotDisposed();
+        const derivationPath = `${this.derivationPathBase}0'/0/${this.walletIndex}`;
+        const seed = mnemonicToSeed(this.mnemonic);
+        const keypair = SVMDeriveChildPrivateKey(seed, this.walletIndex, derivationPath);
+
+        return {
+            privateKey: keypair,
+            address: keypair.publicKey,
+            derivationPath
+        };
+    }
+
+    getMainWalletAddress(): PublicKey {
+        return this.getMainWallet().address;
+    }
+
+    // Balance operations
+    async getPocketBalance(pocketIndex: number, tokens: string[]): Promise<{
+        address: PublicKey | 'native';
+        balance: Balance;
+    }[]> {
+        SavingsValidation.validateAccountIndex(pocketIndex);
+
+        const pocket = this.getPocket(pocketIndex);
+        const balances: { address: PublicKey | 'native'; balance: Balance }[] = [];
+
+        // Get native SOL balance
+        const nativeBalance = await getSvmNativeBalance(pocket.address, this.client);
+        balances.push({ address: 'native', balance: nativeBalance });
+
+        // Get SPL token balances
+        await Promise.all(tokens.map(async (token) => {
+            const tokenPubkey = new PublicKey(token);
+            const tokenBalanceData = await getSvmTokenBalance(pocket.address, tokenPubkey, this.client);
+            const balance: Balance = {
+                balance: new BN(tokenBalanceData.amount),
+                formatted: tokenBalanceData.uiAmount || 0,
+                decimal: tokenBalanceData.decimals
+            };
+            balances.push({ address: tokenPubkey, balance });
+        }));
+
+        return balances;
+    }
+
+    // Transfer operations
+    async transferToPocket(
+        mainWallet: Keypair,
+        pocketIndex: number,
+        amount: bigint
+    ): Promise<TransactionResult> {
+        SavingsValidation.validateAccountIndex(pocketIndex);
+
+        const pocket = this.getPocket(pocketIndex);
+        const tx = await getTransferNativeTransaction(
+            mainWallet.publicKey,
+            pocket.address,
+            amount,
+            this.client
+        );
+
+        return await signAndSendTransaction(tx, [mainWallet], this.client);
+    }
+
+    async transferTokenToPocket(
+        mainWallet: Keypair,
+        tokenMint: string,
+        pocketIndex: number,
+        amount: bigint
+    ): Promise<TransactionResult> {
+        SavingsValidation.validateAccountIndex(pocketIndex);
+
+        const pocket = this.getPocket(pocketIndex);
+        const tx = await getTransferTokenTransaction(
+            mainWallet.publicKey,
+            pocket.address,
+            new PublicKey(tokenMint),
+            amount,
+            this.client
+        );
+
+        return await signAndSendTransaction(tx, [mainWallet], this.client);
+    }
+
+    async sendToMainWallet(
+        pocketIndex: number,
+        amount: bigint,
+        token: PublicKey | "native"
+    ): Promise<TransactionResult> {
+        SavingsValidation.validateAccountIndex(pocketIndex);
+
+        const pocket = this.getPocket(pocketIndex);
+        const mainWalletAddress = this.getMainWalletAddress();
+
+        if (token === "native") {
+            const tx = await getTransferNativeTransaction(
+                pocket.address,
+                mainWalletAddress,
+                amount,
+                this.client
+            );
+            return await signAndSendTransaction(tx, [pocket.privateKey], this.client);
+        }
+
+        const tx = await getTransferTokenTransaction(
+            pocket.address,
+            mainWalletAddress,
+            token,
+            amount,
+            this.client
+        );
+
+        return await signAndSendTransaction(tx, [pocket.privateKey], this.client);
+    }
+
+    dispose(): void {
+        super.dispose();
+        this.clearClient();
+    }
+}
+```
+
+---
+
+### Phase 4: Multi-Chain Orchestrator 🚀
+
+**File**: `utils/savings/multi-chain-savings.ts`
+
+```typescript
+import { EVMSavingsManager } from "./evm-savings";
+import { SVMSavingsManager } from "./svm-savings";
+import { ChainWalletConfig, Balance } from "../types";
+import { Hex, PublicClient, WalletClient } from "viem";
+import { Connection, PublicKey, Keypair } from "@solana/web3.js";
+
+export type ChainType = 'EVM' | 'SVM';
+
+export interface ChainConfig {
+    id: string;  // e.g., "ethereum", "polygon", "solana"
+    type: ChainType;
+    config: ChainWalletConfig | { rpcUrl: string };
+}
+
+export interface PocketBalance {
+    chainId: string;
+    chainType: ChainType;
+    pocketIndex: number;
+    address: string;
+    balances: {
+        token: string; // address or 'native'
+        balance: Balance;
+    }[];
+}
+
+/**
+ * Multi-Chain Savings Manager
+ *
+ * Orchestrates savings across multiple chains (EVM and Solana)
+ * Similar to how you might have a multi-chain wallet manager
+ */
+export class MultiChainSavingsManager {
+    private mnemonic: string;
+    private walletIndex: number;
+
+    // Separate managers by chain type
+    private evmManagers: Map<string, EVMSavingsManager> = new Map();
+    private svmManagers: Map<string, SVMSavingsManager> = new Map();
+
+    // Track chain configs
+    private chainConfigs: Map<string, ChainConfig> = new Map();
+
+    constructor(
+        mnemonic: string,
+        chains: ChainConfig[],
+        walletIndex: number = 0
+    ) {
+        this.mnemonic = mnemonic;
+        this.walletIndex = walletIndex;
+
+        // Initialize managers for each chain
+        for (const chain of chains) {
+            this.addChain(chain);
+        }
+    }
+
+    /**
+     * Add a new chain
+     */
+    addChain(chain: ChainConfig): void {
+        this.chainConfigs.set(chain.id, chain);
+
+        if (chain.type === 'EVM') {
+            const manager = new EVMSavingsManager(
+                this.mnemonic,
+                chain.config as ChainWalletConfig,
+                this.walletIndex
+            );
+            this.evmManagers.set(chain.id, manager);
+        } else if (chain.type === 'SVM') {
+            const config = chain.config as { rpcUrl: string };
+            const manager = new SVMSavingsManager(
+                this.mnemonic,
+                config.rpcUrl,
+                this.walletIndex
+            );
+            this.svmManagers.set(chain.id, manager);
+        }
+    }
+
+    /**
+     * Remove a chain
+     */
+    removeChain(chainId: string): void {
+        if (this.evmManagers.has(chainId)) {
+            this.evmManagers.get(chainId)?.dispose();
+            this.evmManagers.delete(chainId);
+        }
+        if (this.svmManagers.has(chainId)) {
+            this.svmManagers.get(chainId)?.dispose();
+            this.svmManagers.delete(chainId);
+        }
+        this.chainConfigs.delete(chainId);
+    }
+
+    /**
+     * Get list of all chain IDs
+     */
+    getChains(): string[] {
+        return Array.from(this.chainConfigs.keys());
+    }
+
+    /**
+     * Get pocket address for a specific chain
+     */
+    getPocketAddress(chainId: string, pocketIndex: number): string {
+        const chain = this.chainConfigs.get(chainId);
+        if (!chain) throw new Error(`Chain not found: ${chainId}`);
+
+        if (chain.type === 'EVM') {
+            const manager = this.evmManagers.get(chainId)!;
+            return manager.getPocket(pocketIndex).address;
+        } else {
+            const manager = this.svmManagers.get(chainId)!;
+            return manager.getPocket(pocketIndex).address.toBase58();
+        }
+    }
+
+    /**
+     * Get pocket balance for a specific chain
+     */
+    async getPocketBalance(
+        chainId: string,
+        pocketIndex: number,
+        tokens: string[]
+    ): Promise<PocketBalance> {
+        const chain = this.chainConfigs.get(chainId);
+        if (!chain) throw new Error(`Chain not found: ${chainId}`);
+
+        if (chain.type === 'EVM') {
+            const manager = this.evmManagers.get(chainId)!;
+            const balances = await manager.getPocketBalance(pocketIndex, tokens);
+            const pocket = manager.getPocket(pocketIndex);
+
+            return {
+                chainId,
+                chainType: 'EVM',
+                pocketIndex,
+                address: pocket.address,
+                balances: balances.map(b => ({
+                    token: b.address,
+                    balance: b.balance
+                }))
+            };
+        } else {
+            const manager = this.svmManagers.get(chainId)!;
+            const balances = await manager.getPocketBalance(pocketIndex, tokens);
+            const pocket = manager.getPocket(pocketIndex);
+
+            return {
+                chainId,
+                chainType: 'SVM',
+                pocketIndex,
+                address: pocket.address.toBase58(),
+                balances: balances.map(b => ({
+                    token: b.address === 'native' ? 'native' : b.address.toBase58(),
+                    balance: b.balance
+                }))
+            };
+        }
+    }
+
+    /**
+     * Get pocket balance across multiple chains
+     */
+    async getPocketBalanceAcrossChains(
+        pocketIndex: number,
+        tokensByChain: Map<string, string[]>
+    ): Promise<PocketBalance[]> {
+        const promises: Promise<PocketBalance>[] = [];
+
+        for (const [chainId, tokens] of tokensByChain) {
+            promises.push(this.getPocketBalance(chainId, pocketIndex, tokens));
+        }
+
+        return await Promise.all(promises);
+    }
+
+    /**
+     * Get balances for multiple pockets across multiple chains
+     */
+    async getAllPocketsBalanceAcrossChains(
+        pocketIndices: number[],
+        tokensByChain: Map<string, string[]>
+    ): Promise<Map<number, PocketBalance[]>> {
+        const results = new Map<number, PocketBalance[]>();
+
+        for (const pocketIndex of pocketIndices) {
+            const balances = await this.getPocketBalanceAcrossChains(
+                pocketIndex,
+                tokensByChain
+            );
+            results.set(pocketIndex, balances);
+        }
+
+        return results;
+    }
+
+    /**
+     * Get EVM manager for a chain (for advanced operations)
+     */
+    getEVMManager(chainId: string): EVMSavingsManager {
+        const manager = this.evmManagers.get(chainId);
+        if (!manager) throw new Error(`EVM chain not found: ${chainId}`);
+        return manager;
+    }
+
+    /**
+     * Get SVM manager for a chain (for advanced operations)
+     */
+    getSVMManager(chainId: string): SVMSavingsManager {
+        const manager = this.svmManagers.get(chainId);
+        if (!manager) throw new Error(`SVM chain not found: ${chainId}`);
+        return manager;
+    }
+
+    /**
+     * Clear all pockets across all chains
+     */
+    clearAllPockets(): void {
+        for (const manager of this.evmManagers.values()) {
+            manager.clearAllPockets();
+        }
+        for (const manager of this.svmManagers.values()) {
+            manager.clearAllPockets();
+        }
+    }
+
+    /**
+     * Dispose all managers
+     */
+    dispose(): void {
+        for (const manager of this.evmManagers.values()) {
+            manager.dispose();
+        }
+        for (const manager of this.svmManagers.values()) {
+            manager.dispose();
+        }
+        this.evmManagers.clear();
+        this.svmManagers.clear();
+        this.chainConfigs.clear();
+        (this as any).mnemonic = '';
+    }
+}
+```
+
+---
+
+### Phase 5: Update Exports 📦
+
+**File**: `utils/savings/index.ts`
+
+```typescript
+// Base classes
+export * from "./savings-manager";
+export * from "./evm-savings";
+export * from "./svm-savings";
+export * from "./multi-chain-savings";
+
+// Types and utilities
+export * from "./types";
+export * from "./validation";
+
+// Backward compatibility (if needed)
+export { EVMSavingsManager as SavingsManager } from "./evm-savings";
+```
+
+---
+
+## 📊 Usage Examples
+
+### Example 1: Single EVM Chain (Simple)
+
+```typescript
+import { EVMSavingsManager } from './savings/evm-savings';
+
+const manager = new EVMSavingsManager(
+    mnemonic,
+    { chainId: 1, name: 'ethereum', rpcUrl: 'https://...' },
+    0  // wallet index
+);
+
+// Get pocket
+const pocket = manager.getPocket(0);
+console.log(pocket.address); // 0x...
+
+// Get balances
+const balances = await manager.getPocketBalance(0, [usdcAddress]);
+
+// Transfer to pocket
+await manager.transferToPocket(walletClient, 0, '0.1');
+```
+
+---
+
+### Example 2: Solana (Simple)
+
+```typescript
+import { SVMSavingsManager } from './savings/svm-savings';
+
+const manager = new SVMSavingsManager(
+    mnemonic,
+    'https://api.mainnet-beta.solana.com',
+    0  // wallet index
+);
+
+// Get pocket
+const pocket = manager.getPocket(0);
+console.log(pocket.address.toBase58()); // Solana address
+
+// Get balances
+const balances = await manager.getPocketBalance(0, [usdcMint]);
+
+// Transfer to pocket
+await manager.transferToPocket(mainWalletKeypair, 0, 1000000n);
+```
+
+---
+
+### Example 3: Multi-Chain (Advanced)
+
+```typescript
+import { MultiChainSavingsManager } from './savings/multi-chain-savings';
+
+const manager = new MultiChainSavingsManager(
+    mnemonic,
+    [
+        {
+            id: 'ethereum',
+            type: 'EVM',
+            config: { chainId: 1, name: 'ethereum', rpcUrl: 'https://...' }
+        },
+        {
+            id: 'polygon',
+            type: 'EVM',
+            config: { chainId: 137, name: 'polygon', rpcUrl: 'https://...' }
+        },
+        {
+            id: 'solana',
+            type: 'SVM',
+            config: { rpcUrl: 'https://api.mainnet-beta.solana.com' }
+        },
+    ],
+    0  // wallet index
+);
+
+// Get pocket address on Ethereum
+const ethAddress = manager.getPocketAddress('ethereum', 0);
+
+// Get pocket address on Polygon (same as Ethereum!)
+const polyAddress = manager.getPocketAddress('polygon', 0);
+console.log(ethAddress === polyAddress); // true! (same EVM address)
+
+// Get pocket address on Solana (different!)
+const solAddress = manager.getPocketAddress('solana', 0);
+console.log(ethAddress !== solAddress); // true (different chain, different address)
+
+// Get balances across all chains for pocket 0
+const balances = await manager.getPocketBalanceAcrossChains(
+    0,
+    new Map([
+        ['ethereum', [usdcEth]],
+        ['polygon', [usdcPoly]],
+        ['solana', [usdcSol]]
+    ])
+);
+
+// Results grouped by chain
+balances.forEach(balance => {
+    console.log(`${balance.chainId}:`, balance.balances);
+});
+
+// Get specific manager for advanced operations
+const ethManager = manager.getEVMManager('ethereum');
+await ethManager.transferToPocket(walletClient, 0, '0.1');
+
+const solManager = manager.getSVMManager('solana');
+await solManager.transferToPocket(mainKeypair, 0, 1000000n);
+```
+
+---
+
+## ✅ Implementation Checklist
+
+### Phase 1: Base Infrastructure
+- [ ] Create `savings-manager.ts` with abstract base class
+- [ ] Add generic types for AddressType, ClientType, WalletClientType
+- [ ] Implement shared methods (getPocket, clearPocket, dispose)
+- [ ] Add validation checks
+
+### Phase 2: EVM Implementation
+- [ ] Create `evm-savings.ts` extending base class
+- [ ] Implement EVM-specific derivation (coin type 60)
+- [ ] Implement balance queries for EVM
+- [ ] Implement transfer operations for EVM
+- [ ] Add tests for EVM savings
+
+### Phase 3: SVM Implementation
+- [ ] Create `svm-savings.ts` extending base class
+- [ ] Implement Solana-specific derivation (coin type 501)
+- [ ] Implement balance queries for Solana
+- [ ] Implement transfer operations for Solana
+- [ ] Add tests for SVM savings
+
+### Phase 4: Multi-Chain Orchestrator
+- [ ] Create `multi-chain-savings.ts`
+- [ ] Implement chain management (add/remove chains)
+- [ ] Implement cross-chain balance queries
+- [ ] Add chain type detection
+- [ ] Add manager access methods
+
+### Phase 5: Integration & Testing
+- [ ] Update exports in `index.ts`
+- [ ] Write unit tests for all classes
+- [ ] Write integration tests for multi-chain
+- [ ] Update documentation
+- [ ] Create usage examples
+
+---
+
+## 🎓 Key Design Decisions
+
+### 1. Same Pattern as VM Classes ✅
+- Abstract base class with generics
+- Concrete implementations for each chain type
+- Shared logic in base, specific logic in subclasses
+
+### 2. EVM Chains Share Addresses ✅
+- All EVM chains use coin type 60
+- Same mnemonic generates same addresses
+- One `EVMSavingsManager` per EVM chain (for different RPC endpoints)
+
+### 3. Solana Has Different Addresses ✅
+- Uses coin type 501
+- Different derivation path = different addresses
+- Separate `SVMSavingsManager`
+
+### 4. No Backward Compatibility Needed ✅
+- Pockets not implemented yet
+- Clean slate for proper design
+- Can design optimal structure from start
+
+---
+
+## 📝 Next Steps
+
+1. **Review & Approve** this plan
+2. **Start with Phase 1** (Base class)
+3. **Implement Phase 2** (EVM)
+4. **Implement Phase 3** (Solana)
+5. **Add Phase 4** (Multi-chain)
+6. **Test & Document**
+
+---
+
+**Ready to implement?** Let me know which phase to start with!