Wallet Infrastructure
3PAY provides Wallet-as-a-Service (WAAS) infrastructure that enables businesses to operate on-chain wallets for their users in a secure and compliant way. The model is flexible: businesses can choose between a custodial or non-custodial setup depending on operational and regulatory requirements.
3PAY Wallet-as-a-Service (WAAS) gives businesses a flexible way to manage wallets for themselves and their users. You can decide whether to run in custodial mode (all balances flow into your main account) or non-custodial mode (each user gets their own on-chain wallet).
Use Account Wallets to provision the root wallet for your business. Use User Wallets if you want every client to have a dedicated on-chain wallet with their own deposit address. See Custodial vs Non-Custodial to compare the two operating models.
Choose the model that fits your compliance and operational requirements — you can start custodial for simplicity and move to non-custodial for scale and transparency.
Overview
Learn the basics of WAAS, including wallet hierarchy and how models work.
Account Wallets
The root wallet for your business — where funds flow in custodial mode.
User Wallets
Dedicated wallets for each client or end-user in non-custodial mode.
Custodial vs Non-Custodial
Compare the two operating models and decide which works best for your business.
Updated about 1 month ago