How an RPC endpoint works
Your wallet sends a JSON-RPC request such as eth_getBalance or eth_sendRawTransaction to the endpoint URL. The node behind it answers from its copy of the chain or passes the signed transaction to the network.[1]
Public vs private endpoints
Public endpoints are free and shared by many users, with unpublished rate limits and no uptime guarantee. Providers sell private endpoints with API keys, higher limits and support.
Privacy and risks
An endpoint cannot move your funds, but it sees your IP address and which addresses you query. A dishonest endpoint could also return wrong data, which is why many wallets let you switch endpoints.
The Bottom Line
An RPC endpoint is your wallet’s connection to the chain. For everyday use a public one is fine; for apps, use a dedicated endpoint.
Educational content, not financial advice.