# Choosing a wallet type

When setting up the payment service, you add cryptocurrency addresses (wallets) on different networks that will receive payments from your customers. We recommend considering two main approaches, each with its own advantages and drawbacks.

## Non-custodial wallets

Non-custodial (self-custody) wallets are wallets where only you control the private keys and therefore fully own your funds. Recommended for maximum security.

**Advantages:**

* Full control over your funds—no one but you has access to your assets
* Maximum security—the funds stay under your control

**Drawbacks:**

* Stablecoin funds (USDT, USDC) received on different networks end up spread across the corresponding addresses on those networks
* Consolidating assets on a single network requires cross-chain bridges or exchanges, which involves fees
* Managing funds across several networks takes more attention

**Popular non-custodial wallets:**

1. **MetaMask**—one of the most popular wallets, supports many networks
2. **Trust Wallet**—a mobile wallet supporting a wide range of blockchains
3. **Ledger**—a hardware wallet with the highest level of security
4. **Trezor**—a reliable hardware wallet
5. **Exodus**—a convenient desktop and mobile wallet
6. **Coinbase Wallet**—a non-custodial wallet from Coinbase (separate from the exchange)
7. **Phantom**—a popular wallet for Solana and Ethereum

**When to use:** if the security of your funds and full control over your assets are your priority.

## Exchange deposit addresses

The alternative is to use crypto exchange deposit addresses for each supported network.

**Advantages:**

* Automatic asset aggregation—exchanges group incoming USDT and USDC into a single balance regardless of the receiving network
* Simplified withdrawals—you can withdraw to any convenient network in a single operation
* Low fees when converting to other cryptocurrencies or fiat
* No need for cross-chain bridges to move funds between networks

**Drawbacks:**

* Custodial storage—the exchange controls the funds, not you
* Dependence on the exchange's security and reliability
* Possible restrictions or delays on withdrawals
* Your funds may be subject to AML screening

**Crypto exchanges with permanent deposit addresses:**

1. **Binance**—the largest crypto exchange by trading volume
2. **Coinbase**—one of the most regulated and trusted exchanges
3. **Kraken**—a reliable exchange with high security standards
4. **Bybit**—a popular exchange with a broad feature set
5. **OKX**—a global exchange supporting many networks
6. **Huobi (HTX)**—a major Asian exchange
7. **Bitstamp**—one of the oldest and most regulated exchanges

**When to use:** if you regularly convert crypto to fiat or other assets, and convenience matters more to you than full control.

## Recommendations

For most cases, we recommend non-custodial wallets to keep the received funds as secure as possible. However, if your business model involves frequent crypto conversion or working with several networks at once, deposit addresses at a reliable exchange can be a justified trade-off between security and convenience.

You can also combine both approaches: use exchange addresses for day-to-day operations and move accumulated funds to non-custodial wallets for long-term storage.

## Exclusive use of addresses

Do not use wallet addresses added to the service for anything unrelated to payments through it. If these addresses receive outside transactions (personal transfers, payments from other projects, and so on), the system may mistakenly identify them as payments for issued invoices when the amounts match. This leads to incorrect payment processing and confusion in your records. You can, however, safely use the same address in several different projects within our service—the system correctly separates payments between your projects.