-Smart contract wallets are already available, but more upgrades are required to make them as decentralized and permissionless as possible. EIP-4337 is a mature proposal that does not require any changes to Ethereum's protocol, so it is possible that this could be implemented quickly. However, upgrades that alter Ethereum's protocol are currently not in active development, so those changes may take much longer to ship. It is also possible that account abstraction is achieved well enough by EIP-4337 that no protocol changes are ever required.
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