On chain Asset Management and Withdrawals

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Attention

Access to this feature is limited to existing Virtual Account users on PayGo and higher tiers who registered before November 24, 2025

How Virtual Accounts asset balance works

At a high level, the Virtual Account asset balance is the combination of two separate asset sources:

• On-chain: From Blockchain deposit addresses
• Off-chain: From Virtual Account trading

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Attention

Depending on Virtual Account trading activity, a blockchain deposit address attached to a Virtual Account may hold a lower or higher asset balance than what’s available on its Virtual Account.

On-chain asset balance management

• Handing transfers from the Virtual Accounts ledger to blockchain addresses outside your Exchange or Application, successfully and pain-free, requires thoughtful On-chain asset balance management.
• Trading across Virtual Accounts means that your On-chain asset balance increasingly spreads across the blockchain deposit addresses of your Exchange or Application. If left unchecked, your On-chain asset balance will become increasingly hard to track.

Virtual Accounts asset management can be handled in two ways:

• Spread Asset Management (UTXO only recommended)
• Centralized Asset Management (EVM recommended)

Spread Asset Management (UTXO only recommended)

• For UTXO chains (like Bitcoin)
  It's possible to sign a transaction with XPUB and mnemonic. UTXOs under the XPUB will be checked automatically and a transaction will be built with a suitable XPUB with enough balance.

For EVM chains (like Ethereum)

• You keep and maintain a complex database of all your Virtual Account balances and On-chain assets spread across all your blockchain deposit addresses.
• At the time to handle transfers from Virtual Accounts to the blockchain, depending on the On-chain balance available within each deposit address of a specific Virtual Account, you may need to find additional deposit addresses within your database across your customers to amount enough On-chain balance to transfer out.
• This method can require several blockchain transfers with different endpoint types.

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Note

Spread asset Management may offer a low cost in fees, applicable to UTXO chains.

However, with EVM chains, it requires from you a complex database and back-end infrastructure to handle On-chain assets and withdrawals. Find the related article at the following link.

Centralized Asset Management (EVM recommended)

You keep a relatively simple database of all your Virtual Accounts and you track On-chain deposits.

After an incoming On-chain deposit from the blockchain to a deposit address of a Virtual Account, you transfer those On-chain assets to your Master Exchange address. Virtual Account withdrawals are handled via your Master Exchange Address.

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Note

Centralized asset Management has a higher cost in terms of fees. However, it requires from you a relatively easy database and back-end infrastructure to handle On-chain assets and withdrawals. Find the related article at the following link.