Smart Deposit Addresses: Accept stablecoins from any chain, no wallet connection required

Managing crypto deposits across chains is complex. Smart Deposit Addresses make it simple.

Instead of building custom logic for each network or setting up wallet infrastructure across chains, you can generate a single, reusable deposit address per user and accept funds from any supported chain or exchange. At launch, users can send deposits from four widely used chains: Ethereum, Arbitrum, Base, and BSC Chain. Tron is already on testnet, and Optimism and Solana integrations are in progress.

Rhino.fi handles the detection, bridging, and settlement behind the scenes, so your backend stays clean and your operations stay focused. Funds can be routed to any of the 35 networks currently supported by Rhino.fi, giving your platform full control over where liquidity is received and managed.

Smart Deposit Addresses help your platform grow by removing friction for your users. There is no bridging, no network switching, and no confusion. Just one familiar send transaction.

Here’s what you get:

• Faster onboarding: users can start using your platform without setup or chain knowledge

• Higher conversion: reduce drop-off caused by multi-step deposit flows

• Unified treasury: keep all funds on a single chain and avoid liquidity fragmentation

• Fewer support requests: no more helping users bridge or troubleshoot wallets

• Lower engineering overhead: no need to build or maintain custom bridging logic

Smart Deposit Addresses make your platform easier to use, easier to scale, and easier to build on.

Use cases for Smart Deposit Addresses

Smart Deposit Addresses were built to remove friction from cross chain flows in real-world applications. Whether you are building a consumer-facing dApp or a payments platform that serves merchants, bridging is often one of the biggest challenges. Users are spread across chains, and every extra step in the deposit flow increases drop-off rates and support overhead. The examples below show how Smart Deposit Addresses can simplify the user experience while giving platforms full control over where funds are received.

Example 1: Accepting user deposits across chains

Situation:
A dApp is deployed on an EVM L2 and wants to onboard users globally. Some users are in regions where Tron is widely used for low-fee crypto transfers. Others may be starting from an exchange without access to a self-custodial wallet.

Problem:
To deposit into the dapp, users need to bridge assets to the correct chain first. This often requires multiple steps: withdrawing to a wallet, switching networks, bridging the funds, and then making the final deposit. For users without a wallet, or those unfamiliar with bridging, this creates friction and increases the chance of drop-off.

Solution:
With Smart Deposit Addresses, the dApp can generate a unique deposit address for each user. Funds can be sent from any supported chain, whether from a centralised exchange or a wallet. 

Rhino.fi handles the bridging behind the scenes and ensures the funds arrive directly on the dapp’s native chain. The user only needs to send crypto to a single address. No wallet setup, no network switching, and no manual bridging required.

Example 2: Enabling smooth payments for mobile-first users without liquidity fragmentation

Situation:
A crypto payments platform enables merchants to accept and send stablecoin payments. To keep operations efficient, the platform wants to consolidate all funds on a single chain to avoid liquidity fragmentation and simplify treasury management. However, their users are spread across multiple networks and typically use mobile wallets on chains like BSC or Tron, depending on local preferences.

Problem:
To interact with the platform on its preferred chain, users would normally need to bridge funds themselves. This requires switching networks, approving tokens, and signing multiple transactions. On mobile devices, these steps are clunky, error-prone, and time-consuming. For many users, especially in regions where smartphones are the only internet device, this creates unnecessary friction and leads to drop-off.

Solution:
With Smart Deposit Addresses, the platform can provide each user with a single deposit address. The user simply sends their stablecoins from any supported chain. Rhino.fi handles the bridging in the background and ensures that all funds arrive on the platform’s preferred chain.
This allows the platform to operate on one chain while remaining accessible to users on many. The mobile experience feels like a single send transaction, without approvals or network switching, making it much more reliable for mobile-first audiences.

What’s live today

Smart Deposit Addresses are already live and ready to use for ERC-20 tokens across several major chains. Developers can integrate directly through our API and start offering seamless, chain-agnostic deposits in minutes.

The current version includes:

• Deposit address generation via API

• ERC-20 tokens only (no native ETH, BNB, etc.)

• Supported chains: Ethereum, Arbitrum, Base, and BSC Chain

• 12-hour monitoring window per address (re-activatable via API)

• Bridge fees applied as in regular bridge flows (revenue share available)

We are actively working to expand Smart Deposit Addresses. Tron, Optimism and Solana are already in progress. 

Get started today

Smart Deposit Addresses are live and ready to use.

Here’s what you get:

• A single deposit address per user

• Automatic bridging and settlement

• Chain-agnostic access for users

• Cleaner operations and lower support overhead

Read the full docs here. Smart Deposit Addresses is currently in beta. Reach out to us to get started.