5 Ways to Use Smart Deposit Addresses

Smart Deposit Addresses (SDAs) were built to remove one of the biggest sources of friction in crypto onboarding: inbound funds from many chains. Instead of forcing users to bridge, switch networks, or connect wallets, each user receives a unique deposit address that accepts stablecoins from any supported chain and automatically routes them to the destination your app requires.

The result is a superior user experience across a wide range of projects. In this post we will explore five concrete use cases where SDAs add immediate value.

1. On/Off Ramps

The challenge: On/Off ramps face a heavy lift when they want to support a new chain. They often need to spin up nodes, build monitoring, and add new infrastructure. Users who hold funds on unsupported chains experience friction and drop-off.

The solution: With SDAs, ramps can instantly accept deposits from multiple chains. Users simply send stablecoins to their SDA and Rhino.fi bridges the funds to the ramp’s operational chain.

The benefit:

• Faster chain coverage without additional engineering overhead

• Higher conversion from users who prefer specific chains

2. B2B Payments Platforms

The challenge: Businesses that receive stablecoins from multiple chains often struggle with reconciliation. Different tokens, memos, and networks create complexity and delays. There is a ​​mismatch in payer preferences with receiver preferences (e.g. payer sends USDT on Tron, receiver wants USDC on Solana).

The solution: Each client or payer can be assigned a unique SDA. Regardless of which chain they use, all funds arrive consolidated on the chain chosen by the business.

The benefit:

• Easier reconciliation and reporting

• Consistent settlement flows

3. Peer-to-Peer Payments

The challenge: Payment apps lose users at onboarding because people hold stablecoins on different chains. Moving funds usually requires multi-step bridging and network switching.

The solution: Each user gets a persistent SDA. They can send stablecoins from a CEX or their preferred chain, and Rhino.fi handles the bridging in the background.

The benefit:

• Onboarding from any chain in a single step

• Lower drop-off and faster user activation

4. Crypto Neobanks

The challenge: Wallets and banking apps need a simple “deposit address that just works.” CEX withdrawals or deposits from unsupported chains often fail or require complex instructions.

The solution: Neobanking apps can provide users with one deposit address that accepts stablecoins from multiple chains. Funds flow directly into the app without network selection or manual bridging.

The benefit:

• A reliable account-like experience for deposits

• Fewer failed transactions and lower support load

5. Invoicing and Payments

The challenge: Service providers that accept crypto payments often generate unique addresses for each invoice. Different networks and tokens complicate reconciliation.

The solution: Platforms can generate invoice-specific SDAs. Payers send stablecoins from any supported chain and Rhino.fi routes them to the correct settlement chain automatically.

The benefit:

• Any-chain invoices that reconcile easily

• Faster and cleaner payment confirmation

Start building with SDA

Smart Deposit Addresses remove complexity for users while giving projects a simple way to consolidate multi-chain payments. Whether you are building a ramp, a B2B payments platform, a P2P app, a neobank, or an invoicing system, SDAs deliver a seamless user experience and reduce operational overhead.

Start exploring Smart Deposit Addresses in our developer portal or reach out to our team to learn more.