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Non-custodial modeYour XPUB3 chains

Paid straight to
your wallet.

Each invoice gets a fresh address from your own XPUB. Your customer pays you directly. We never hold the funds.

Go non-custodialCompare with custodial →

Follow one payment.

USDT
Customer walletPays the invoiceTJr8…3wQa · example250.00
Your walletFresh addressTQ4m…8rVx · from your XPUB250.00
On-chainConfirmed20 / 20 confirmationsTRON · TRC-20
Your serverWebhookinvoice.confirmed200 OK
// webhook delivered to your server · example
POST /webhooks/fintrapay
{ "event": "invoice.confirmed", "data": { "status": "confirmed", "amount": "250.00", "currency": "USDT", "blockchain": "tron" } }

Illustrative example. Addresses and amounts are made up, and the timing is sped up.

Who does what

Your keys. Our watch.

You keep the wallet and the funds. We handle the addresses, the chain monitoring and the notifications.

You hold

  • The wallet, its private keys and its recovery phrase
  • Every payment, from the moment it lands
  • The XPUB you share with us, which can only derive addresses, not spend

FintraPay does

  • Derives a new receiving address for every invoice
  • Watches the chain and counts confirmations
  • Sends signed webhooks: invoice.paid, then invoice.confirmed
  • Shows every invoice in your dashboard
How it works

Three steps, straight to you.

Your customer sees the same checkout as any other invoice. The difference is where the money goes.

1. Share your XPUB

With non-custodial mode enabled on your account, you provide the extended public key for each chain you want to accept on.

2. Customer pays a fresh address

Each invoice derives the next address from your XPUB. The payment goes there, into your wallet, in one transaction.

3. We confirm and notify

We count the confirmations, mark the invoice confirmed and send a webhook to your server.

The API

One field switches the mode.

Set mode: "non_custodial" when you create an invoice. Everything else stays the same.

  • The payment address is derived from your XPUB for that chain
  • Same checkout page and payment links as custodial
  • Same signed webhooks for every status change
  • Choose the mode per invoice, on one account
Read the API docs →
const client = new FintraPay({ apiKey, apiSecret }) const invoice = await client.createInvoice({ amount: "250.00", currency: "USDT", blockchain: "tron", mode: "non_custodial", }) // → invoice.payment_address: a fresh address // derived from your TRON XPUB // → webhook: invoice.paid, then invoice.confirmed
Networks

Three chains, your XPUB on each.

Non-custodial invoices run on TRON, BSC and Ethereum. Other chains take custodial invoices on the same account.

TRON · TRC-20

One XPUB, a new address per invoice. Confirmed after 20 confirmations.

USDTTUSD

BSC · BEP-20

One XPUB, a new address per invoice. Confirmed after 15 confirmations.

USDTUSDCDAIFDUSDTUSD

Ethereum · ERC-20

One XPUB, a new address per invoice. Confirmed after 12 confirmations.

USDTUSDCDAIFDUSDTUSDPYUSD
Choose per invoice

Custody is your call.

Non-custodial and custodial invoices run on the same account. Pick the mode each time you create one.

Non-custodial

Payments go to your own wallet. You hold the keys.

  • You provide an XPUB per chain; each invoice gets its own address
  • Available on TRON, BSC and Ethereum
  • No balance held with FintraPay
mode: "non_custodial"

Custodial

Payments land in your FintraPay balance, ready to pay out, withdraw or earn.

  • Unique deposit address per invoice
  • Payouts and Earn work from your balance
  • Withdraw any time, network gas only
mode: "custodial"
FAQ

Non-custodial, answered.

Does FintraPay ever hold my money?

Not in non-custodial mode. Each invoice is paid to an address derived from your XPUB, in a wallet only you control.

What do I need to set up?

Non-custodial mode is enabled per account. You provide your extended public key (XPUB) for each chain you want to accept on: TRON, BSC and Ethereum. We use it to give every invoice its own receiving address. We never ask for your private keys.

Which chains support non-custodial invoices?

TRON, BSC and Ethereum. Invoices on the other chains run in custodial mode.

Can I use Payouts or Earn in non-custodial mode?

Those run on a FintraPay balance, so they need custodial invoices. You can mix both modes on one account.

Keep your keys. Get paid anyway.

Create a free account, then provide your XPUB to start taking non-custodial payments.

Create your account