> ## Documentation Index
> Fetch the complete documentation index at: https://docs.zendfi.tech/llms.txt
> Use this file to discover all available pages before exploring further.

# Customer Wallets

> Manage MPC-secured wallets for your customers.

# 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.

## Lookup by Email

```
GET /api/v1/customer-wallets/by-email/{email}
```

Returns the active customer wallet associated with the given email address.

<ParamField path="email" type="string" required>
  Customer email address.
</ParamField>

### Response

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

<CodeGroup>
  ```bash cURL theme={null}
  curl https://api.zendfi.tech/api/v1/customer-wallets/by-email/customer@example.com \
    -H "Authorization: Bearer zfi_test_your_key"
  ```

  ```typescript SDK theme={null}
  const wallet = await zendfi.getCustomerWalletByEmail('customer@example.com');
  ```
</CodeGroup>

***

## Lookup by Address

```
GET /api/v1/customer-wallets/by-address/{address}
```

Returns the customer wallet associated with a specific Solana address.

<ParamField path="address" type="string" required>
  Solana wallet address.
</ParamField>

```bash theme={null}
curl https://api.zendfi.tech/api/v1/customer-wallets/by-address/7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU \
  -H "Authorization: Bearer zfi_test_your_key"
```

***

## 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.

<ParamField body="email" type="string" required>
  Customer email address.
</ParamField>

<CodeGroup>
  ```bash cURL theme={null}
  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"}'
  ```

  ```typescript SDK theme={null}
  const wallet = await zendfi.getOrCreateCustomerWallet('new-customer@example.com');
  ```
</CodeGroup>

### Response

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

***

## 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.

```mermaid theme={null}
flowchart LR
    A[Customer Email] --> B[MPC Wallet Created]
    B --> C[Key Encrypted at Rest]
    C --> D[Secure Key Manager]
    D --> E[Transaction Signing]
    E --> F[On-chain Transfer]
```

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.

## Use Cases

<CardGroup cols={2}>
  <Card title="Fiat On-ramp" icon="money-bill-transfer">
    Create wallets for customers who purchase crypto via fiat. Funds land in their managed wallet.
  </Card>

  <Card title="Non-crypto Customers" icon="user-plus">
    Accept payments from customers who do not have existing Solana wallets.
  </Card>
</CardGroup>