Customer Wallet

Overview

A business may create a custodial subaccount, assign deposit addresses, connect an external self-custody wallet, or maintain wallet metadata for a customer. These models have different control and ownership consequences even when the interface uses the same label.

One customer wallet may contain many addresses and networks, while one shared on-chain wallet may support many customer balances. Identity, address ownership, ledger balance, and signing authority should therefore be stored as separate relationships. Reusing a wallet identifier across networks can produce routing and screening errors.

Systems should define who controls keys, which assets and networks are supported, how deposits are credited, how withdrawals are authorized, and what happens after account closure. Customer-level records must reconcile to actual holdings and preserve privacy. The label should never imply on-chain segregation unless that structure is genuinely implemented.

The Customer Wallet workflow operates through several distinct states: request creation, user or policy approval, signature generation, network submission, execution, confirmation, balance recognition, and accounting. For Customer Wallet, a wallet interface or provider response can report progress, but it cannot replace verified transaction and ledger evidence.

Material risks for Customer Wallet include credential compromise, malicious destinations, unsupported assets, wrong-network transfers, stale balances, compromised software, provider outage, privacy leakage, and inaccessible recovery material. For Customer Wallet, controls should reflect value, automation, reversibility, and whether the organization or a third party controls signing.

Production ownership for Customer Wallet should identify the user or legal entity, supported assets and networks, address model, custody boundary, signing authority, recovery method, and systems permitted to request or observe transactions. For Customer Wallet, these fields determine who can act and which evidence is authoritative.