Non-custodial Payment Gateway

1 User, 1 Address.
Crypto Payments Without Holding Funds.

WARMKEY helps merchants build a Binance-style deposit system where every customer gets a permanent deposit address. No memo. No manual reconciliation. Funds settle under your control.

1:1
User Address
Cold
Wallet Signing
0%
Withdrawal Fee
Get API Key Read Docs

Cold Wallet Settlement

USDT Deposit

Confirmed

1 User, 1 Address

0x9F3a...8C2B

Amount

250

USDT

Private Key

Yours

Cold signing only

On-chain status Settled
Self Custody1 User 1 AddressNo Memo Required0% Withdrawal FeeEVM ReadyCold Wallet Signing Self Custody1 User 1 AddressNo Memo Required0% Withdrawal FeeEVM ReadyCold Wallet Signing
AI Search Summary

What is WARMKEY?

WARMKEY is a non-custodial crypto payment gateway for merchants that need 1 user 1 address, automated USDT deposit recognition, EVM-chain payment infrastructure, and cold-wallet-controlled settlement. Each user can receive a dedicated on-chain deposit address, so businesses can reduce memo mistakes, simplify reconciliation, and keep fund custody under merchant control.

Primary category
Non-custodial crypto payment gateway
Core use case
USDT deposit API and merchant settlement
Key model
Dedicated deposit address for every user

Core Selling Point

1 User, 1 Address

Every user gets a dedicated on-chain deposit address automatically. No memo, no confusion, no reconciliation headaches.

1 User → 1 Address

Deposit identity is built into the address.

User A
User A
UID: 1001
USDT
0xA1b2...8c9D
ERC20 · USDT
User B
User B
UID: 1002
Tron
TXz8Kj...L9mN
TRC20 · USDT
User C
User C
UID: 1003
Bitcoin
0xB4c3...7e1F
BEP20 · USDT
W
WARMKEY
Automated Mapping Engine
Non-Custodial
1 User 1 Address
Auto Address

Generate automatically

Real-time Logs

Track deposits clearly

Secure Settlement

Funds stay controlled

No Memo Required

Users send directly to their own address.

No Reconciliation

Automatic mapping reduces manual work.

Lower Risk

Each address is isolated and identifiable.

Scale Easily

Handle more users without payment confusion.

Why WARMKEY

Crypto deposits should identify users automatically.

The heart of WARMKEY is simple: 1 user gets 1 permanent deposit address. Payments become easier to detect, reconcile, and settle without custody risk.

Funds go directly to you

WARMKEY does not become the middle wallet. Merchants remain in control of their assets.

1 user = 1 address

No memo, no remark, no manual reconciliation. Every deposit address maps clearly to one user.

Built for developers

Simple API design, clean payment logs, and a workflow that does not require developers to touch client funds.

Connect to WARMKEY
"No blind signing, only policy-protected signing."

Cold Wallet as a Service

Payment gateway automation, cold wallet control.

WARMKEY handles address generation, deposit monitoring, user mapping, logs, and notifications. The merchant-controlled signing App handles private keys and settlement approval. WARMKEY servers never hold your private keys or customer funds.

Private keys stay with merchant
1

Gateway creates a dedicated deposit address

Each user receives a unique address, so incoming funds can be mapped without memo, remark, or manual checking.

2

WARMKEY detects deposits, not controls funds

The backend watches the chain, records confirmations, and updates payment status. It cannot sign withdrawals because it does not have your private key.

3

Merchant App signs from cold wallet

Settlement and sensitive actions are approved through the merchant signing device, keeping key ownership and asset movement under merchant control.

No server-side private key custody

WARMKEY infrastructure is built to automate payments without becoming a central wallet that can move merchant assets.

Signing terminal stays under your control

Use the WARMKEY App / Android terminal as the merchant signing environment; the dashboard coordinates requests, the device authorizes movement.

google play

Clear audit trail for every deposit

User, address, chain, token, confirmation, and settlement records are kept readable for merchant operations and support teams.

telegram background

Ecosystem Product

Side products powered by WARMKEY.

WEpusdt is a Telegram-based crypto payment product built on top of WARMKEY infrastructure — proof that the system can power side payment flows, not just concepts.

WE

WEpusdt

Telegram Bot

A lightweight crypto SaaS payment solution based on WARMKEY.

Create payment orders inside Telegram

Users can generate crypto payment orders directly from a Telegram chat experience.

Simple QR payment flow

The customer opens the payment link, scans the QR code, and completes the transfer quickly.

Powered by non-custodial infrastructure

WEpusdt showcases how WARMKEY can support real SaaS payment products with safer settlement logic.

Explore WEpusdt Open Telegram Bot
WE

WEpusdt Bot

Online • Payment ready

Enter amount to create payment order

1 USDT

Payment order created.

Click “Pay Now” to continue.

Payment Invoice

1.00 USDT

BEP20
W

Deposit Address

0xB4c3...7e1F

QR Pay Auto Detect

0%

Withdrawal

Bot

Telegram

SaaS

Ready

*Special thanks to BEpusdt — the original foundation and predecessor that inspired WEpusdt.

Merchant Dashboard

Control every chain.From one dashboard.

Manage merchant accounts, supported chains, contract status, deposit monitoring, and cash flow charts in one clean interface.

WARMKEY logo

acct2 / Dashboard

Dashboard

05-07 12:05 (Last Check Fundout)
05-07 14:04, Kuala Lumpur (MY)

Please update BNBSMARTCHAIN Merchant Contract in app to enable deposit fundout. Proceed

BEP20 USDT Withdrawal Approval is required. Proceed

Supply gas to BNBSMARTCHAIN Withdrawal Agent is required. Proceed

Chain

Chain Awaiting Fundout Deposits Withdrawals Pending Withdrawal Merchant Executor Merchant Contract WD Agent
BNBSMARTCHAIN $0 (0) $0 (0) $0 (0) $0 (0) 0x07F08d.....56f905C5 0xe02ae8.....b04358f1 -
POLYGON $0 (0) $0 (0) $0 (0) $0 (0) 0x07F08d.....56f905C5 - -

Cash Flow Chart

Weekly Analytics 30 Apr - 06 May
Deposit
Withdrawal

Video Demo

Powering Real Crypto Payment Flows.

Use short demo videos to explain the merchant dashboard, supported EVM chains, payment gateway setup, and real-time monitoring without forcing users to read long technical text.

EVM chains supported

1 / 4

Payment Flow

A cleaner deposit flow for Web3 apps and merchants

Your user receives a dedicated address. They can transfer from wallet or exchange. WARMKEY detects the payment and your system records it clearly.

No memo No custody No webhook headache
1

Merchant creates deposit request

Call WARMKEY API to prepare a deposit address for the user.

2

User pays to their address

Supports direct withdrawals from exchanges or normal wallet transfers.

3

Payment is detected and settled

Your system can query logs and update the user's balance automatically.

Withdrawal Flow

Automated withdrawals, approved by your cold-wallet setup.

WARMKEY lets merchants create USDT withdrawal requests by API while keeping private keys and settlement control outside WARMKEY servers. Your system submits the payout request, WARMKEY records and queues it, and the configured merchant executor / withdrawal agent completes the on-chain movement under your approved allowance and gas rules.

Create withdrawal request

Call createWithdrawalRequest with receiver address, amount, network, coin symbol, and your unique ID.

Merchant-controlled approval

Withdrawable status, allowance, gas supply, and signing control remain under the merchant’s configured wallet environment.

Withdrawal Agent runs payout

Supply native gas to the Withdrawal Agent so payout execution can continue without keeping the merchant phone connected all the time.

Low-balance alerts

Set email thresholds for gas balance and allowance balance, so operations teams know before payouts are interrupted.

API Endpoint

POST /paymentV1/createWithdrawalRequest

USDT Ready
1

Enable withdrawal

Complete on-chain registration and toggle Withdrawable for the selected chain / token.

2

Supply gas & allowance

Fund the merchant executor, supply gas to the Withdrawal Agent, then approve / supply USDT allowance through the smart contract flow.

3

Submit payout by API

Send recipient address, amount, network, coin symbol, and unique ID. WARMKEY returns a receipt ID for tracking and reconciliation. 

{
                  "payload": {
                    "to": "0xReceiverAddress",
                    "amount": "1.23",
                    "network": "BNBSMARTCHAIN",
                    "coin_symbol": "USDT",
                    "unique_id": 123
                  }
                }
Withdrawal API Enable USDT Withdrawal

Developer Friendly

Integrate crypto deposits without becoming a wallet custodian.

WARMKEY is designed for developers who want fast integration, clear logs, and lower liability.

Simple APIs

Create deposit request, create withdrawal request, query log for status update.

No fund handling

Developers do not manage merchant private keys.

EVM support

Ethereum, BNB Chain, Polygon, Base, Arbitrum and more.

Polling

Track request status with no miss. 

POST /paymentV1/createWithdrawalRequest

                {
                "header": {
                    "api_key": "MyAp1_K3yyY",
                    "signature": "gEnEragatedS1gNaTu1re",
                    "nonce": "1212423423"
                },
                "payload": {
                    "to": "0x2D96EE9F1671fB9C100D7e177687fbdC1827854D",
                    "amount": "1.23",
                    "network": "BNBSMARTCHAIN",
                    "coin_symbol": "BUSD",
                    "unique_id": 123
                }
                }

                Response:
                {
                "code": 100,
                "message": "Success",
                "result": {
                    "receipt_id": "123"
                }
                }

Comparison

WARMKEY vs Traditional Gateway

Custodial Model
WARMKEY True non-custodial — funds remain in merchant wallet
Traditional Gateway Custodial — gateway controls private keys and funds
Security Risk
WARMKEY Keys never leave merchant phone: minimized attack surface
Traditional Gateway High-value hot wallets — prime target for hackers
Developer Risk
WARMKEY Developers never touch merchant assets
Traditional Gateway Developers often manage wallets, causing trust issues
Deposit Process
WARMKEY Infinite off-chain deposit address generation, auto-forwarded
Traditional Gateway Typically 1 static address or limited address pool
Deposit Fee
WARMKEY 0.5% Fee
Traditional Gateway Typically 0.5% - 1.5%
Withdrawal Fee
WARMKEY 0% Fee
Traditional Gateway Typically 0.5% - 1%
Settlement Speed
WARMKEY Instant settlement — funds go directly to merchant
Traditional Gateway Delayed settlement, enters internal ledger first
Integration Complexity
WARMKEY 3 simple APIs — designed from a programmer's perspective
Traditional Gateway Complex SDKs, webhook setups, KYC onboarding
Smart Contract Layer
WARMKEY Merchant-specific smart contract protects both parties
Traditional Gateway Usually no smart contract protection
Asset Storage
WARMKEY Private keys stored on merchant phone (WARMKEY App)
Traditional Gateway Keys stored in gateway backend or HSM
Merchant Trust Model
WARMKEY Trustless — no one can freeze, block, or misroute funds
Traditional Gateway Merchants must completely trust the gateway's custody
Developer Suitability
WARMKEY Ideal for freelancers — avoid touching client funds
Traditional Gateway High liability, risk of being accused if funds are lost
Regulatory Burden
WARMKEY Lower, because WARMKEY never holds funds
Traditional Gateway Higher, due to custodial operations
Transparency
WARMKEY All deposits visible on-chain in real wallets
Traditional Gateway Many gateways use off-chain internal balances
Custom Token Support
WARMKEY Yes
Traditional Gateway No

* Comparison data based on the average level of mainstream gateways in 2024

Use Cases

Built for real crypto businesses

🛒

E-commerce

Accept stablecoin payments from global users.

🎮

GameFi

Automate player deposits and top-ups.

💱

Exchange Apps

Create exchange-style deposit experience.

🤖

Bots & DApps

Power automated Web3 payment flows.

Partner Program

Refer merchants. Earn recurring income.

Share WARMKEY with Web3 teams, merchants, and developers. Grow with the ecosystem and earn from merchant activity.

50%

Max fee sharing

0

Cost to join

FAQ

Learn more about WARMKEY's security mechanisms and operational processes

What is WARMKEY non-custodial crypto payment gateway?
WARMKEY is a non-custodial crypto payment gateway that gives merchants one dedicated on-chain deposit address per user, automated payment recognition, and merchant-controlled settlement without surrendering custody of funds.
How does 1 User 1 Address help merchants identify USDT deposits?
Each end user receives a permanent deposit address. When USDT or supported on-chain funds arrive, the merchant system identifies the payer by address, reducing memo mistakes, tag errors, and manual reconciliation.
Is WARMKEY a custodial crypto payment service?
No. WARMKEY is designed as non-custodial payment infrastructure. Merchant funds remain controlled by the merchant wallet and signing flow rather than being held by a third-party custodian.
How can merchants build a non-custodial USDT payment gateway with WARMKEY?
Merchants can use WARMKEY to generate dedicated deposit addresses, monitor on-chain payment status, connect simple APIs, and settle USDT or EVM-chain payments through merchant-controlled signing flows.
How does WARMKEY reduce crypto accounting and reconciliation work?
WARMKEY links each user to a dedicated address, so incoming deposits can be matched automatically. This helps merchants reduce manual checks, memo errors, and crypto accounting delays.
What happens to my assets if my WARMKEY signing phone stops working?
No impact at all. As long as you securely back up your mnemonic seed phrase, you can import it into the WARMKEY App on a new phone at any time, restoring full access and using it as normal.
What happens if my Android WARMKEY signing phone is stolen?
Your assets remain secure. If a thief enters the unlock password incorrectly 10 consecutive times, the App will automatically and permanently erase all local wallet and private key data, so no one can steal your assets.
What happens if the same mnemonic seed phrase runs on two WARMKEY phones?
The WARMKEY merchant platform will detect this and issue a warning. The system will automatically terminate the old device session to prevent data conflicts and duplicate transactions that may create extra network Gas fees.
If cold wallet mode accidentally goes online, are merchant assets still safe?
Yes. WARMKEY's underlying signing security is designed to protect assets even if the terminal briefly connects to the internet. For maximum isolation, we still recommend keeping true cold devices offline whenever possible.
Why should a WARMKEY signing phone stay offline during daily operations?
Staying offline provides physical-level isolation security. Except for brief connections needed for App updates or specific on-chain contract upgrades, a qualified cold signing device should avoid complex network environments during daily use.
Which EVM chains and public chains does WARMKEY support?
WARMKEY currently supports EVM-compatible blockchains such as Ethereum, BNB Chain, Polygon, Base, and Arbitrum. Support for non-EVM public chains is under active development and deployment.
Which browser should merchants use for the WARMKEY dashboard?
For communication stability and smooth WebUSB connectivity, merchants should use Google Chrome when accessing the WARMKEY merchant dashboard.

Launch 1 User, 1 Address crypto payments today.

Launch a self-custody payment gateway with unique deposit addresses, simple APIs, and zero withdrawal fee.

Create Merchant Account Download App