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Customer Wallets

Customer wallets are MPC-secured Solana wallets created and managed by ZendFi on behalf of your customers. Each wallet is tied to an email address and can be used for on-ramp flows, recurring payments, and checkout without requiring the customer to have an existing Solana wallet.

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Lookup by Email

GET /api/v1/customer-wallets/by-email/{email}
Returns the active customer wallet associated with the given email address.
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email
string
required
Customer email address.

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Response

{
  "id": "cwlt_abc123",
  "email": "customer@example.com",
  "wallet_address": "7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU",
  "created_at": "2026-03-01T12:00:00Z",
  "total_onramp_orders": 3
}

curl https://api.zendfi.tech/api/v1/customer-wallets/by-email/customer@example.com \
  -H "Authorization: Bearer zfi_test_your_key"

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Lookup by Address

GET /api/v1/customer-wallets/by-address/{address}
Returns the customer wallet associated with a specific Solana address.
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address
string
required
Solana wallet address.
curl https://api.zendfi.tech/api/v1/customer-wallets/by-address/7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU \
  -H "Authorization: Bearer zfi_test_your_key"

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Get or Create

POST /api/v1/customer-wallets/get-or-create
Returns an existing wallet for the given email, or creates a new MPC wallet if none exists. This is the recommended way to ensure every customer has a wallet — it is idempotent by email.
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email
string
required
Customer email address.
curl -X POST https://api.zendfi.tech/api/v1/customer-wallets/get-or-create \
  -H "Authorization: Bearer zfi_test_your_key" \
  -H "Content-Type: application/json" \
  -d '{"email": "new-customer@example.com"}'

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Response

{
  "id": "cwlt_def456",
  "email": "new-customer@example.com",
  "wallet_address": "9zMZvh4EY09f19VZLFrDf7lDmjfvC95VCA1VvLuiCtW",
  "created_at": "2026-03-05T14:30:00Z",
  "total_onramp_orders": 0
}

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How MPC Wallets Work

Customer wallets use Multi-Party Computation (MPC) for key management. The private key is encrypted at rest and can only be reconstructed within ZendFi’s secure key management layer during transaction signing. This approach means:
  • Customers do not need a Solana wallet. ZendFi creates one automatically.
  • Keys are never exposed. All signing happens server-side in encrypted memory.
  • One wallet per email. Calling get-or-create multiple times with the same email returns the same wallet.

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Use Cases

Fiat On-ramp

Create wallets for customers who purchase crypto via fiat. Funds land in their managed wallet.

Non-crypto Customers

Accept payments from customers who do not have existing Solana wallets.