Resource Locks are implemented at the account level (Privy, Turnkey, etc) to create simple one-click interactions across any chain, action, or token.
The OneBalance Toolkit uses Account-based Resource Locks.
Resource Locks are implemented on a smart contract to unify deposits from different chains, creating a unified pool of funds to enable highly-efficient cross-chain use cases.
We are actively working on a product offering with Vault-based Resource Locks.