October 21, 2025
Smart Deposit Addresses now support 0 zero slippage stablecoin swaps
Make user deposits even smoother, bridge and swap in one go
Smart Deposit Addresses (SDA) have always been about removing onboarding friction. Instead of complex bridging flows, signing multiple transactions or wallet pop-ups, users can deposit directly to a single on-chain address in one click.
Now we are taking it a step further. SDA deposits can include a swap, allowing users to send one asset and receive another in the same transaction, for example sending USDT on Tron and receiving USDC on Base.
This gives users full flexibility. They can transfer what they already hold, while Rhino.fi handles bridging, swapping and settlement in the background.
Demo video created by the Monetic team. Learn more at monetic.xyz
Why it matters
Cross-chain onboarding often involves several manual steps. Users must select the correct token, bridge it to another network and then complete a deposit. Each step adds friction and risk of error.
With swap functionality enabled for SDA, all of these actions are merged into one seamless transaction.
Lower friction: Users can fund their account with any supported stablecoin, such as USDT on Tron.
0 slippage: users receive the best rates on stablecoin swaps
Sponsor fees: Partners can choose to cover the gas for their users.
Higher conversion: No failed deposits caused by incorrect token or chain selection.
More flexibility: Partners can define a target token, for example USDC on Base, and Rhino.fi ensures every incoming deposit arrives in that format.
Smart Deposit Addresses currently support deposits from Tron, Ethereum, Arbitrum, Base, Optimism and Binance, Polygon, and CEXs with funds deliverable to 25+ leading EVM and non-EVM chains such as Solana, Starknet and Base. And all with a seamless single click mobile experience.
How swaps on SDA are powering: Gloyopay
To show how this works in practice, let’s take one of our clients, Gloyopay, a Web3 neobank that enables users across SEA to send, spend and receive stablecoins instantly.
Their app offers QR payments, virtual debit cards and global transfers powered by stablecoins like USDT and USDC.
In SEA, most users hold USDT on Tron or BNB, while Gloyopay operates & settles on Base, where USDC is the dominant asset. These networks and tokens do not natively connect, meaning users would normally need to complete multiple steps such as signing, bridging and swapping just to move their funds.
By integrating our SDA, Gloyopay removes that complexity. Users can now deposit USDT on Tron or BNB and receive USDC on Base in a single transaction. Rhino.fi handles all crosschain operations in the background, automatically bridging and swapping the assets to the target chain and token.
In practice, a user simply opens the Gloyopay app, selects “Deposit” and scans their personal QR code. Within seconds, their USDT deposit is received, converted to USDC and ready to use for QR payments or virtual card spending.
This integration allows Gloyopay to turn a multi-step, high-friction process into a simple transfer, giving users an instant and local onboarding experience while Rhino.fi handles everything behind the scenes.
A step closer to full abstraction
With swap support for SDA, Rhino.fi moves closer to a fully abstracted user experience. Users focus on the outcome, while the underlying infrastructure manages every step automatically.
Smart Deposit Addresses with swap functionality are available via our API today.Want to enable one-step swaps and deposits for your users? Contact our team to learn more