Address Generation

Understanding HD wallet architecture and address derivation in Rach Wallet-as-a-Service.

HD Wallet Architecture

Rach uses Hierarchical Deterministic (HD) wallets based on BIP32/BIP39/BIP44 standards.

Derivation Path Structure

m / purpose' / coin_type' / account' / change / address_index

Example Paths:

• BSC/ETH/POL: m/44'/60'/0'/0/0, m/44'/60'/0'/0/1, etc.
• Tron: m/44'/195'/0'/0/0, m/44'/195'/0'/0/1, etc.
• Solana: m/44'/501'/0'/0/0, m/44'/501'/0'/0/1, etc.

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Network-Specific Details

Network	Coin Type	Address Format	Derivation Path
BSC	60	0x... (EVM)	m/44'/60'/0'/0/i
Ethereum	60	0x... (EVM)	m/44'/60'/0'/0/i
Polygon	60	0x... (EVM)	m/44'/60'/0'/0/i
Tron	195	T... (Base58)	m/44'/195'/0'/0/i
Solana	501	... (Base58)	m/44'/501'/0'/0/i

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Address Derivation

Deriving New Addresses

// Derive address at specific index
async function deriveAddress(walletId, network, index) {
  const response = await fetch(
    `https://payments-api-dev-966260606560.europe-west2.run.app/api/v1/wallet/customer/${walletId}/derive`,
    {
      method: 'POST',
      headers: {
        'X-API-Key': process.env.RACH_API_KEY,
        'Content-Type': 'application/json'
      },
      body: JSON.stringify({ network, index })
    }
  );
  
  return await response.json();
}

// Generate addresses for deposit segregation
const depositAddress1 = await deriveAddress('wallet_abc', 'BSC', 1);
const depositAddress2 = await deriveAddress('wallet_abc', 'BSC', 2);

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Use Cases for Multiple Addresses

1. Deposit Segregation

Generate unique deposit address per transaction for tracking:

async function getDepositAddress(userId, orderId) {
  const wallet = await getUserWallet(userId);
  const index = await getNextIndex(wallet.wallet_id, 'BSC');
  const address = await deriveAddress(wallet.wallet_id, 'BSC', index);
  
  // Store mapping
  await db.depositAddresses.create({
    wallet_id: wallet.wallet_id,
    address: address.address,
    index: index,
    order_id: orderId,
    network: 'BSC'
  });
  
  return address.address;
}

2. Privacy Enhancement

Use different addresses for different purposes.

3. Accounting Separation

Separate addresses for different business units or customers.

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Best Practices

Address Management

• ✅ Track address indices in your database
• ✅ Use gap limit strategy (don't skip indices)
• ✅ Store address-to-order mappings
• ✅ Monitor all derived addresses for deposits
• ✅ Implement address reuse policies

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Next Steps

• Integration Guide
• Security Best Practices
• API Reference