Universal Wallet Address

The Universal Wallet Address is a Rapid Deposit feature that provides a single, unified entry point for multiple stablecoins across various blockchains. Instead of requiring a unique address for every network/asset combination, you can provide customers with one flexible address to receive USDT or USDC across the Ethereum, BNB Smart Chain, and Polygon networks.

How It Works

The Universal Wallet Address leverages an intelligent detection layer to provide a seamless, multi-chain deposit experience. Instead of being locked into a single asset or network, the address acts as a versatile gateway that automatically routes incoming funds to the correct PMID.

1. You provide the customer with a single Rapid Deposit address (generated as a USDT-ETH address)
2. Customer sends USDC on BNB Smart Chain. Our system monitors the address across all supported blockchains simultaneously. When a transaction is detected, we instantly identify both the asset (sourceCurrency) and the network (mainCurrency)
3. The payment is automatically matched and settled against your pre-configured PMIDs for that specific asset/network combination

Supported Currencies & Networks

Implementation & PMID Setup

To enable additional chains, you must coordinate with our team to configure the necessary changes:

• Define Support: Identify which assets (USDT, USDC) and blockchains (BNB Smart Chain, Polygon) you want to enable
• Contact Operations: Send your list of desired currency/blockchain pairs (e.g., "USDT on BNB", "USDC on Polygon") to the Operations Team so they can configure the PMIDs for your account
• Update Backend: Ensure your GET Payment Details logic is updated to parse the currency and mainCurrency fields so your system can record which network the funds arrived on.

Use Case

Scenario:

Merchant generates a single Rapid Deposit address, which is technically a USDT (ETH) address.

Customer sends USDC via BNB Smart Chain to that same address.

How the System Handles the Transaction:

Detection: Orbital’s system automatically identifies that the incoming funds are USDC and that they arrived via the BNB network.

Validation: The system checks if the merchant has a configured PMID for USDC on BNB Smart Chain.

Processing: Since the PMID exists, the payment is processed successfully rather than being rejected.

The merchant’s backend must inspect the specific fields returned by the GET Crypto Payment Details endpoint:

• mainCurrency: This field identifies the Blockchain Network. In this use case, the value will be BNB, indicating the funds arrived via Binance Smart Chain.
• sourceCurrency: This field identifies the Asset Sent by the customer. In this use case, the value will be USDC.
• targetCurrency: This field identifies the Expected Asset. Even if the merchant originally requested USDT, this will reflect the asset being processed into the merchant's account, which in this case is USDC.

{
    "status": "success",
    "data": {
        "id": "3204a0ae-fa85-4b6d-97f9-856d2a415",
        "externalId": "ORBITAl-ECOMM-TESTING-UNIVERSAL-WALLET-001",
        "type": "deposit",
        "subType": "channel",
        "targetAmount": "100",
        "targetCurrency": "USDC",
        "sourceAmount": "100",
        "sourceCurrency": "USDC",
        "mainCurrency": "BNB",
        "status": "confirmed",
        "kytAlertLevel": "unknown",
        "kytStatus": "no_review",
        "accountId": "bc67b4a588e-40c9-b038-2293f6feb98",
        "firstName": "John",
        "lastName": "Doe",
        "countryOfResidence": "GB",
        "nameType": "alias",
        "address": {...
        },
        "blockchainTransactions": [
         ...   
        ],
        "exchangeTransactions": [],
        "fees": [...],
        "rates": [],
        "createdAt": "2025-11-14T10:59:28.283Z",
        "updatedAt": "2025-11-14T11:00:18.306Z"
    },
    "message": "Payment retrieved successfully"
}

Need help?

Contact your Orbital Relationship Manager to configure additional PMIDs for cross-chain and cross-currency support.