Wallet-as-a-Service

Create and manage USDC/USDT wallets across four chains, over one API

Puffin’s Wallet-as-a-Service (WaaS) API lets you create and operate stablecoin wallets programmatically — no key management, no chain-specific infrastructure, no custody build-out. It’s the same X-API-Key you already use for payment intents.

WaaS launches scoped to USDC and USDT on Solana, Polygon, BSC, and Base (Base is USDC-only — there’s no canonical Tether-issued USDT contract there). For collecting any Puffin-supported chain/token as a one-off payment, use payment intents instead.

What you get

Wallets on demand

POST /v1/gateway/api/wallets mints a wallet for a chain + token pair and returns its address immediately.

Balances & deposits

Query live balance and deposit history per wallet — no chain explorer required.

Withdrawals

Send from any wallet you created to an external address, with the same idempotency-key semantics as payment intents.

Deposit webhooks

wallet.deposit.detected and wallet.deposit.confirmed fire the moment funds land — see Webhooks.

Create a wallet

curl -X POST https://api.puffinmoney.com/v1/gateway/api/wallets \
  -H "X-API-Key: mk_live_..." \
  -H "Content-Type: application/json" \
  -d '{ "chain": "BASE", "token": "USDC_BASE", "label": "EU settlement" }'

// 201
{
  "wallet": {
    "id": "8f2a1c…",
    "chain": "BASE",
    "token": "USDC_BASE",
    "address": "0x9273...6544",
    "label": "EU settlement",
    "custodyModel": "joint_custody"
  }
}

Wallet creation is subject to your plan’s wallet limit, same as the dashboard-created wallets you may already have.

Check a balance

curl https://api.puffinmoney.com/v1/gateway/api/wallets/8f2a1c.../balance \
  -H "X-API-Key: mk_live_..."

{ "wallet": { "id": "8f2a1c…", "chain": "BASE", "token": "USDC_BASE" }, "balance": { "available": "1250.00", "pending": "0" } }

Send a withdrawal

curl -X POST https://api.puffinmoney.com/v1/gateway/api/wallets/8f2a1c.../withdrawals \
  -H "X-API-Key: mk_live_..." \
  -H "Idempotency-Key: wd_2026-07-22_001" \
  -d '{ "toAddress": "0xabc...", "amount": "500.00", "note": "Vendor payout" }'

The Idempotency-Key header works exactly like it does for payment intents — replaying the same key returns the original response instead of sending twice.

Full reference

See the Wallets API reference for every field and error code, and Bridging & swaps if you need to move funds between chains rather than just out to an address on the same chain.