Choosing a wallet type

When setting up a payment service, you need to add cryptocurrency addresses (wallets) across various networks where payments from your clients will be received. We recommend considering two main approaches, each with its own advantages and disadvantages.

Non-custodial wallets

Non-custodial wallets (self-custody wallets) are wallets where only you control the private keys and, consequently, have complete ownership of your funds. Recommended for maximum security.

Advantages:

• Full control over funds — no one but you has access to your assets

• Maximum security — funds are under your management

Disadvantages:

• Funds in stablecoins (USDT, USDC) received across different networks will be distributed to corresponding addresses in those networks

• Consolidating assets in one network will require using cross-chain bridges or exchanges, which involves fees

• Managing funds across multiple networks requires more attention

Popular non-custodial wallets:

• MetaMask — one of the most popular wallets, supports numerous networks

• Trust Wallet — mobile wallet with support for a wide range of blockchains

• Ledger — hardware wallet with the highest level of security

• Trezor — reliable hardware wallet

• Exodus — user-friendly desktop and mobile wallet

• Coinbase Wallet — non-custodial wallet from Coinbase (not to be confused with the exchange)

• Phantom — popular wallet for Solana and Ethereum

When to use: if security of funds and complete control over assets is your priority.

Exchange deposit addresses

An alternative option is to use deposit addresses from cryptocurrency exchanges for each supported network.

Advantages:

• Automatic asset aggregation — exchanges group incoming USDT and USDC into a unified balance (assets) regardless of the receiving network

• Simplified fund withdrawal — can withdraw to any convenient network in a single operation

• Low fees when converting to other cryptocurrencies or fiat money

• No need to use bridges for moving between networks

Disadvantages:

• Custodial storage — funds are under the exchange's control, not yours

• Dependence on the exchange's security and reliability

• Possible restrictions or delays when withdrawing funds

• May be subject to AML verification

Crypto exchanges with permanent deposit addresses:

• Binance — largest cryptocurrency exchange by trading volume

• Coinbase — one of the most regulated and reliable exchanges

• Kraken — reliable exchange with high security standards

• Bybit — popular exchange with extensive functionality

• OKX — global exchange with support for multiple networks

• Huobi (HTX) — major Asian exchange

• Bitstamp — one of the oldest and most regulated exchanges

When to use: if you regularly convert cryptocurrency to fiat or other assets, and convenience of fund management is more important to you than complete control.

Recommendations

For most cases, we recommend using non-custodial wallets to ensure maximum security of received funds. However, if your business model involves frequent cryptocurrency conversion or working with multiple networks simultaneously, using deposit addresses from a reliable exchange may be a justified compromise between security and convenience.

You can also combine both approaches: use exchange addresses for operational settlements, and for long-term storage of accumulated funds, transfer them to non-custodial wallets.

Exclusive use of addresses

Do not use the wallet addresses added to the service for any purposes unrelated to payments through our service. If these addresses receive transactions from outside sources (personal transfers, payments from other projects, etc.), the system may mistakenly identify them as payment for issued invoices if the amounts match. This will lead to incorrect payment processing and accounting confusion. However, you can safely use the same address across multiple different projects within our service — the system correctly separates payments between your projects.