ERC-4337 Smart Wallet fails simulation for native value >100 POL on Polygon Mainnet

[Roongrote]

Description

Hi Thirdweb team,

I'm encountering a strange issue with ERC-4337 Smart Wallet on Polygon Mainnet.

Transactions work perfectly up to 100 POL, but any transaction above 100 POL consistently fails during UserOperation simulation.

This happens even for a simple native payable contract call.

---

Environment

• thirdweb SDK: v5.120.x
• Chain: Polygon Mainnet (137)
• Smart Wallet: ERC-4337
• Bundler: Thirdweb
• Paymaster: Thirdweb
• Sponsor Gas: Enabled

---

Smart Wallet Flow

The transaction is simply:

deposit() payable

The contract is a wrapped POL contract.

The contract only contains:

function deposit() external payable {
    balanceOf[msg.sender] += msg.value;
}

There are:

• no require()
• no modifier
• no onlyOwner
• no blacklist
• no custom revert

---

Code

const depositTx = prepareContractCall({
  contract: wpolContract,
  method: "function deposit() payable",
  params: [],
  value: requiredAmount,
});

await sendTransaction({
  account,
  transaction: depositTx,
});

I also tested:

sendBatchTransaction({
    account,
    transactions: [depositTx]
});

Both produce the same behavior.

---

Results

100 POL

✅ Success

• UserOperation succeeds
• Sponsored
• deposit() executes
• Wrapped token is minted

101 POL

❌ Failed

Bundler returns:

UserOperation reverted during simulation with reason: 0x

or

Internal server error

No transaction hash is produced.

---

Server Verifier

I implemented a custom Server Verifier.

It returns:

{
  "isAllowed": true,
  "reason": "Allowed"
}

The backend logs:

Sponsorship Allowed
Status: Allowed

Removing all business validation produces the same result.

---

Observations

• 1 POL works
• 10 POL works
• 100 POL works
• 101 POL fails
• 200 POL fails
• 1000 POL fails
• 10000 POL fails

The Smart Wallet has enough POL balance.

Changing from sendBatchTransaction() to sendTransaction() does not change the result.

This appears to happen during:

eth_estimateUserOperationGas

before the transaction is actually executed.

---

Question

Is there any internal limit for native value in ERC-4337 sponsorship?

Or is this a known issue with Polygon Mainnet / ERC-4337 Bundler?

I'd appreciate any guidance.

Thank you.

[linear]

BLD-568