Smart account address
Anti-replay nonce
Factory address + init data (for account deployment) or empty
Encoded call data for the account's execute function
Gas limit for account validation
Gas limit for call execution
Gas to pay bundler for overhead
Max priority fee per gas (tip)
Max fee per gas
Paymaster address + data, or empty for self-pay
Signature over the UserOperation hash
UserOperation for off-chain representation This is the format used before packing for on-chain submission