receiving, by a manager server, a cryptocurrency transaction request from a front-end server communicatively coupled with a requester user device, the cryptocurrency transaction request identifying at least a hot wallet accountholder identifier;

determining, at the manager server, a first set of authentication factor servers based on an evaluation of the cryptocurrency transaction request using a policy configuration;

assigning, by the manager server, a different authentication factor of authentication of the cryptocurrency transaction request to each authentication factor server of the first set of authentication factor servers uses;

verifying, by the first set of the authentication factor servers, a requester of the cryptocurrency transaction request against an accountholder profile associated with the hot wallet accountholder identifier by sending a verification code to the accountholder device via text message and receiving the verification code from a web server;

authenticating, via the authentication factor servers operating independently of each other, the cryptocurrency transaction request based on the accountholder profile, wherein authenticating the cryptocurrency transaction request includes the authentication factor servers independently approving the cryptocurrency transaction request by cryptographically signing approval messages with respective private authentication keys of the authentication factor servers, each of the authentication factor servers approving based on a requester verification; and

aggregating, via the aggregation server, the approval messages respectively having cryptographic signatures of the cryptocurrency transaction request from the authentication factor servers and publishing the cryptocurrency transaction request into a cryptocurrency network.

receiving the cryptographic signatures;

in response to receiving the cryptographic signatures, generating a transaction broadcast message based on the cryptocurrency transaction request, the transaction broadcast message specifying at least a public destination address and one or more cryptocurrency source addresses to draw value from, wherein the one or more cryptocurrency source addresses are of a shared pool of cryptocurrency addresses available to multiple accountholders in the hot wallet service system and wherein the transaction broadcast message includes a first cryptographic signature with private cryptocurrency keys corresponding to the one or more cryptocurrency source addresses;

providing the transaction broadcast message to one or more computer nodes in the cryptocurrency network.

receiving the cryptographic signatures;

in response to receiving the cryptographic signatures, generating a transaction broadcast message based on the cryptocurrency transaction request, the transaction broadcast message specifying at least a public destination address and one or more cryptocurrency source addresses to draw value from, wherein the one or more cryptocurrency source addresses are selected from a private pool of cryptocurrency addresses available to the hot wallet accountholder identifier and wherein the transaction broadcast message is signed with private cryptocurrency keys corresponding to the one or more cryptocurrency source addresses;

providing the transaction broadcast message to one or more computer nodes in the cryptocurrency network.

determining an approval ratio of the authentication factor servers in the first set that have cryptographically signed the approval messages to the aggregation server; and

cryptographically signing a transaction broadcast message based on the cryptocurrency transaction request when the approval ratio is above a ratio threshold.

a manager server configured to receive a cryptocurrency transaction request identifying at least a hot wallet accountholder identifier and to determine a first set of authentication factor servers to authenticate the cryptocurrency transaction request based on an evaluation of the cryptocurrency transaction request using a policy configuration;

the authentication factor servers, each configured to independently authenticate the cryptocurrency transaction request by verifying a requester of the cryptocurrency transaction request against an accountholder profile associated with the hot wallet accountholder identifier by sending a verification code to the accountholder device via text message and receiving the verification code from a web server;

wherein the authentication factor servers are configured to approve, independently from each other, the cryptocurrency transaction request by cryptographically signing approval messages and to send to an aggregation server using respective private authentication keys stored respectively in the authentication factor servers when the requester is verified; and

the aggregation server configured to aggregate cryptographic signatures of the cryptocurrency transaction request from the authentication factor servers and to publish the cryptocurrency transaction request into a cryptocurrency network.

verify the cryptographic signatures utilizing public keys corresponding to the private authentication keys respectively used by the authentication factor servers to generate the cryptographic signatures;

determine that a number of the cryptographic signatures meets a sufficiency threshold;

sign a transaction broadcast message with one or more cryptocurrency private keys corresponding to one or more public cryptocurrency addresses that fund the cryptocurrency transaction request when the number of the cryptographic signatures meets the sufficiency threshold and when the cryptographic signatures are verified; and

provide the transaction broadcast message to one or more computing nodes of the cryptocurrency network to propagate the cryptocurrency transaction request.