> For the complete documentation index, see [llms.txt](https://docs.wheelx.fi/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.wheelx.fi/overview/features/wheelx-payment.md). # WheelX Payment ### WheelX Payment — Technical Documentation ### Overview WheelX Payment is a core primitive of the WheelX cross-chain bridging protocol. It enables users to bridge or swap assets across blockchains by simply sending funds to a generated address — no wallet connection, no transaction signing, and no smart contract interaction required. This makes WheelX Payment ideal for CEX withdrawals, fiat onramps, and headless systems where the sender cannot sign transactions. The user only needs to perform a standard token transfer to the generated address. WheelX automatically detects the deposit, processes the cross-chain transfer, and delivers funds to the specified destination on the target network. **Key benefits:** * No wallet connection required * No approval transactions or calldata needed * Works with any wallet or CEX supporting standard transfers * Deterministic address generation with complete refund handling #### Demo Link {% embed url="" %} #### Demo Guide {% embed url="" %} #### How It Works The WheelX Payment flow consists of three phases: The integrator requests a deposit address via the WheelX API, specifying the deposit network, deposit token, recipient address on the destination network, and the desired output token. WheelX returns a unique deposit address deterministically generated for the request. The user sends the specified token amount to the deposit address using a standard token transfer from any wallet or exchange. No special transaction data is required. WheelX monitors the deposit address on the source chain. Upon detecting a valid deposit, the system processes the cross-chain transfer and delivers funds to the recipient on the destination chain. Funds are credited in the specified output token. #### Core Features **Configurable Source Network and Token** Merchants can fully customize the deposit side of the transaction. The API allows specification of: * Source (deposit) network — the blockchain where the user will send funds * Source token — the asset accepted at the deposit address This flexibility enables merchants to accept deposits in the assets and networks most convenient for their users, while maintaining control over their treasury management. **Configurable Destination Network and Token** Similarly, merchants define where and how funds are received: * **Destination network** — the blockchain where funds will be delivered * **Destination token** — the asset received by the merchant on the target chain WheelX handles all cross-chain conversion and bridging automatically, allowing merchants to receive a single, predictable asset on a single chain regardless of where the deposit originated. **Fee Configuration** WheelX provides comprehensive fee management options tailored to the merchant’s business model. **Fixed Fee (WheelX fee)** WheelX charges a fixed service fee per transaction. This fee is transparent and predictable, making it suitable for standard integration scenarios. **Split Fee (Revenue Share)** Merchants can optionally enable a split-fee arrangement with WheelX. In this model, the base WheelX fee and the merchant’s markup are configured separately, allowing for customized revenue sharing agreements. **Merchant Markup** Merchants may add an additional fee on top of the WheelX base fee. This markup is deducted from the deposit amount before final crediting. The merchant markup can be configured at the account level via the WheelX dashboard or programmatically through the API. **Optional Fee Sponsorship** Merchants have the choice to: * **Pass through fees** — End users pay standard WheelX fees plus any merchant markup * **Absorb fees** — Merchant sponsors the entire fee, offering a fee-free experience to end users This B-side fee flexibility allows merchants to optimize their pricing strategy based on user acquisition costs and competitive positioning. **Refund Handling** When a deposit fails to complete successfully for any reason, WheelX implements a robust refund mechanism. The refund address is specified at deposit address creation time. Refunds are processed automatically, returning the original deposited funds to the designated refund address on the source chain. Key refund scenarios include: * Insufficient deposited amount * Unsupported token deposit * Chain congestion exceeding processing time limits * Router-level failures Refund transactions are tracked and can be monitored through the Deposit API and webhook notifications. **Deposit Status Tracking** WheelX provides comprehensive deposit status information to integrators. The status can be polled via the API or received in real-time through webhook events. Status values: * `pending` — Deposit detected, awaiting confirmation * `completed` — Funds successfully delivered to destination * `failed` — Deposit failed, refund initiated * `refunded` — Refund completed The Deposit API returns detailed information including: * Transaction hash on source chain * Source token and amount * Destination network * Destination token and received amount * Fee breakdown * Final status with timestamp **Exception Handling** WheelX includes robust exception handling for edge cases: **On-chain congestion** When a target network experiences high traffic, WheelX automatically monitors for confirmation and retries fills with appropriate gas adjustments. Merchants can also trigger the acceleration feature for immediate expedited processing. **Router stalling** In the rare event that a route becomes temporarily unresponsive, WheelX automatically contacts the route provider to resolve the issue. The system maintains redundancy across multiple routing partners to minimize disruption. **Invalid deposits** Deposits that do not match the configured token (e.g., sending ETH when USDC is expected) are automatically rejected and refunded to the specified refund address. **Balance Reconciliation and Sweeping** After deposits are processed and credited on the destination chain, deposit addresses are periodically swept to consolidate remaining balances. This maintains monitoring efficiency and ensures no funds are left stranded on source chain addresses. *** #### API Reference ### POST /v1/quote > Quote ```json {"openapi":"3.1.0","info":{"title":"API Reference","version":"0.1.0"},"tags":[{"name":"API Reference"}],"servers":[{"url":"https://api.wheelx.fi","description":"Production"}],"paths":{"/v1/quote":{"post":{"summary":"Quote","operationId":"quote_v1_quote_post","requestBody":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/QuoteRequest"}}},"required":true},"responses":{"200":{"description":"Successful Response","content":{"application/json":{"schema":{"$ref":"#/components/schemas/QuoteResponse"}}}},"422":{"description":"Validation Error","content":{"application/json":{"schema":{"$ref":"#/components/schemas/HTTPValidationError"}}}}},"tags":["API Reference"]}}},"components":{"schemas":{"QuoteRequest":{"properties":{"from_chain":{"type":"integer","title":"From Chain"},"to_chain":{"type":"integer","title":"To 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Id"},"logo":{"type":"string","title":"Logo"},"tags":{"items":{"type":"string"},"type":"array","title":"Tags"},"categories":{"items":{"type":"string"},"type":"array","title":"Categories"},"listed":{"type":"boolean","title":"Listed","default":true},"fee_level":{"anyOf":[{"$ref":"#/components/schemas/FeeLevel"},{"type":"null"}]},"chain_icon":{"type":"string","title":"Chain Icon"},"platform_type":{"items":{"type":"string"},"type":"array","title":"Platform Type"},"platform_id":{"type":"integer","title":"Platform Id"}},"type":"object","required":["symbol","name","decimals","address","chain_id","logo","chain_icon","platform_id"],"title":"DepositPlatformToken"},"SlippagePolicy":{"properties":{"bridge":{"type":"boolean","title":"Bridge"},"from_fee_level":{"anyOf":[{"$ref":"#/components/schemas/FeeLevel"},{"type":"null"}]},"to_fee_level":{"anyOf":[{"$ref":"#/components/schemas/FeeLevel"},{"type":"null"}]},"default_slippage":{"type":"integer","title":"Default Slippage"},"min_slippage":{"type":"integer","title":"Min Slippage"},"max_slippage":{"type":"integer","title":"Max Slippage"},"refresh_interval":{"type":"integer","title":"Refresh Interval"},"notice_rounds":{"type":"integer","title":"Notice Rounds"}},"type":"object","required":["bridge","from_fee_level","to_fee_level","default_slippage","min_slippage","max_slippage","refresh_interval","notice_rounds"],"title":"SlippagePolicy"},"HTTPValidationError":{"properties":{"detail":{"items":{"$ref":"#/components/schemas/ValidationError"},"type":"array","title":"Detail"}},"type":"object","title":"HTTPValidationError"},"ValidationError":{"properties":{"loc":{"items":{"anyOf":[{"type":"string"},{"type":"integer"}]},"type":"array","title":"Location"},"msg":{"type":"string","title":"Message"},"type":{"type":"string","title":"Error Type"}},"type":"object","required":["loc","msg","type"],"title":"ValidationError"}}}} ``` #### Use Cases **Centralized Exchange (CEX) Withdrawals** Allow users to withdraw funds from your exchange directly to a deposit address. WheelX automatically bridges the funds to the destination chain specified by the user. No additional wallet connection or signing is required from the end user. **Fiat Onramps** Accept fiat deposits, convert to crypto, and send funds to a deposit address. The onramp provider only needs to support standard token transfers — no smart contract integration is required. **Payment Processing** Generate unique deposit addresses for each customer or invoice. Accept payments in multiple cryptocurrencies across multiple chains while settling in a single asset on a single chain. **Cross-Chain Treasury Management** Collect funds from various blockchains and automatically consolidate them into a preferred asset on a preferred chain, simplifying treasury operations and reducing manual intervention. **B2B Settlement** Enable business partners to settle payments using their preferred blockchain and token, while receiving funds in your treasury asset of choice. The merchant markup feature allows you to pass settlement costs to payers or absorb them as a business incentive. #### Conclusion WheelX Payment provides a complete solution for cross-chain asset reception with flexible fee configuration, robust error handling, and comprehensive monitoring capabilities. The system is designed to integrate seamlessly into existing applications while providing enterprise-grade reliability for cross-chain payments. #### Supported Chains\&Tokens
NetworkTokenContract Address
EthereumETH0x0000000000000000000000000000000000000000
EthereumUSDC0xa0b86991c6218b36c1d19d4a2e9eb0ce3606eb48
EthereumUSDT0xdac17f958d2ee523a2206206994597c13d831ec7
BaseETH0x0000000000000000000000000000000000000000
BaseUSDC0x833589fcd6edb6e08f4c7c32d4f71b54bda02913
BNB ChainBNB0x0000000000000000000000000000000000000000
BNB ChainUSDT0x55d398326f99059ff775485246999027b3197955
SolanaUSDCEPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v
SolanaUSDTEs9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB
TronUSDTTR7NHqjeKQxGTCi8q8ZY4pL8otSzgjLj6t
--- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.wheelx.fi/overview/features/wheelx-payment.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.