Wallet-as-a-Service (WaaS)

WaaS gives each of your customers a hierarchical-deterministic (HD) wallet with derived addresses across BTC, BCH, LTC, ETH, BSC, POL, TRX, SOL and XRP, live on-chain balances, transfers, and 24/7 deposit monitoring. Authenticate with your Payments API key (X-API-Key).

Base URL: https://api.rach.finance/api/v1/ · Auth: X-API-Key

1. Create a customer wallet

One wallet per customer (idempotent per customer_id).

curl https://api.rach.finance/api/v1/wallet/customers \
  -H "X-API-Key: $RACH_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "customer_id": "cust_001", "word_count": 12 }'

const w = await (await fetch("https://api.rach.finance/api/v1/wallet/customers", {
  method: "POST",
  headers: { "X-API-Key": process.env.RACH_KEY, "Content-Type": "application/json" },
  body: JSON.stringify({ customer_id: "cust_001", word_count: 12 }),
})).json();

import requests, os
w = requests.post("https://api.rach.finance/api/v1/wallet/customers",
    headers={"X-API-Key": os.environ["RACH_KEY"]},
    json={"customer_id": "cust_001", "word_count": 12}).json()

Response

{
  "wallet_id": 42,
  "customer_id": "cust_001",
  "mnemonic": ["...", "..."],
  "created_at": "2026-08-14T12:00:00Z"
}

The mnemonic is returned once at creation. It is the customer’s recovery phrase — store it securely (or hand it to the customer) and never log it.

2. Derive a deposit address

Create a receive address on a specific chain. Set enable_monitoring: true to have Rach watch it for deposits and fire webhooks.

curl https://api.rach.finance/api/v1/wallet/cust_001/derive \
  -H "X-API-Key: $RACH_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "network": "ETH", "enable_monitoring": true }'

const addr = await (await fetch("https://api.rach.finance/api/v1/wallet/cust_001/derive", {
  method: "POST",
  headers: { "X-API-Key": process.env.RACH_KEY, "Content-Type": "application/json" },
  body: JSON.stringify({ network: "ETH", enable_monitoring: true }),
})).json();

Response

{
  "address": "0xAbC123...",
  "network": "ETH",
  "derivation_path": "m/44'/60'/0'/0/0",
  "index": 0,
  "is_testnet": false,
  "monitored": true,
  "customer_id": "cust_001"
}

network is one of BTC BCH LTC ETH BSC POL TRX SOL XRP. Share address with your customer to receive funds.

3. Read live balances

curl https://api.rach.finance/api/v1/wallet/cust_001/balances \
  -H "X-API-Key: $RACH_KEY"

Response

{
  "customer_id": "cust_001",
  "live": true,
  "total": 2,
  "addresses": [
    { "network": "ETH", "address": "0xAbC123...", "currency": "USDT", "balance": "125.50" }
  ]
}

4. Send crypto out

amount is a string; unit is decimal (whole coins, default) or base (wei/satoshi).

curl https://api.rach.finance/api/v1/wallet/cust_001/transfer \
  -H "X-API-Key: $RACH_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "network": "ETH",
    "currency": "USDT",
    "to_address": "0xRecipient...",
    "amount": "25.00",
    "unit": "decimal"
  }'

import requests, os
tx = requests.post("https://api.rach.finance/api/v1/wallet/cust_001/transfer",
    headers={"X-API-Key": os.environ["RACH_KEY"]},
    json={"network": "ETH", "currency": "USDT",
          "to_address": "0xRecipient...", "amount": "25.00", "unit": "decimal"}).json()
print(tx["tx_hash"])

Response

{
  "tx_hash": "0x9f8e...",
  "status": "submitted",
  "network": "ETH",
  "currency": "USDT",
  "amount": "25.00",
  "from_address": "0xAbC123...",
  "to_address": "0xRecipient...",
  "fee_amount": "0.42",
  "gas_fee": "0.0003",
  "timestamp": "2026-08-14T12:05:00Z"
}

XRP transfers accept a destination_tag. For chains that need it, gas/fees are handled by Rach and reported back in fee_amount / gas_fee.

More endpoints

Endpoint	Purpose
`GET /wallet/customers`	List your customer wallets
`GET /wallet/{id}/addresses`	All derived addresses for a customer
`GET /wallet/{id}/transactions`	Transaction history
`POST /wallet/estimate-gas`	Estimate a transfer’s gas before sending
`GET /wallet/{id}/export-key`	Export a customer’s private key (guard carefully)
`GET /wallet/earnings`	Fees you’ve earned on WaaS transfers

Full schemas are in the Payments API Reference under WaaS. Deposits are detected automatically — see 24/7 Monitoring.

Get Started

Core Products

Monitoring & Webhooks

Wallet-as-a-Service (WaaS)

1. Create a customer wallet

2. Derive a deposit address

3. Read live balances

4. Send crypto out

More endpoints

​1. Create a customer wallet

​2. Derive a deposit address

​3. Read live balances

​4. Send crypto out

​More endpoints

1. Create a customer wallet

2. Derive a deposit address

3. Read live balances

4. Send crypto out

More endpoints