Systems and methods are provided for generating a blockchain smart contract for managing user accounts and electronic wallets storing cryptocurrency. The described system includes determining a public encryption key associated with a third-party organization configured to manage blockchain transactions on behalf of a first user account, generating a first transaction data structure having a destination address field that specifies a user-account smart contract module published to a distributed ledger, wherein the first transaction data structure is configured to invoke change ownership functionality of the user-account smart contract module using the determined public encryption key associated with the third-party organization, and publishing the first transaction data structure to the distributed ledger maintained by the blockchain network of nodes.