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See some live use cases here: 5 ways to use SDAs

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The Flow

At a high level, the process works as follows:
  1. Generate an SDA: Call the API to create a new deposit address, linked to a destination chain and address or a target action (coming soon).
  2. User deposits: Any wallet, CEX, or payment service can send supported tokens to the SDA. The user only performs a normal token transfer.
  3. Monitoring & orchestration: The system continuously watches for incoming transfers. If a valid deposit arrives (correct token, within limits), it triggers the bridge process.
  4. Cross-chain execution: Funds are credited on the destination chain, or the requested post-bridge action (e.g. swap, pool deposit) is performed.
  5. Reconciliation & sweeping: After crediting is complete, addresses are swept periodically to consolidate balances and keep monitoring efficient.
From the client/user perspective: user sends → destination credited → job done.

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The Features

Key properties that make SDAs flexible:
  • Many-to-one: Multiple SDAs can funnel to the same destination address.
  • Multi-chain source support: SDAs can currently be generated on Ethereum, Arbitrum, Base, BSC, Polygon, Optimism, Kaia, Tron, with Solana in progress.
  • Any-chain destination: Funds can settle on any of the 35+ Rhino-supported chains, including non-EVMs (Starknet, Ton, Solana, etc.).
  • Stablecoin primitives:
    • Same-to-same (e.g. USDC → USDC)
    • Cross-stable swap (e.g. USDC → USDT)
  • Programmable actions: Trigger post-bridge actions like swaps, pool deposits, or contract interactions.
  • Metadata support: Attach arbitrary data (e.g. UUID) to track users, payments, or invoices.
  • Flexible fees: Either end-user pays or client covers on their behalf. Volume-based plus destination gas.
  • Monitoring lifecycle:
    • Default: 1 week
    • Extendable via API
    • Addresses don’t expire, monitoring just stops
  • Deposit size: Typically 5-digit USD+ supported, 7-digit on request.
  • Compliance built-in: All deposits are screened for KYT/AML before crediting. Clients never touch illicit funds.
  • Privacy benefit: SDAs are naturally decoupled from destination addresses.
Coming soon:
  • Refund address – Users/clients can specify fallback if a credit fails (< 1% of cases).
  • Webhooks – Real-time push updates on deposit results.

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The Constraints

There are some limitations to be aware of:
  • Only tokens are supported, no native gas coins such as ETH or MATIC.
  • Wrong tokens will not be credited and require a manual refund.
  • Deposits below or above set limits will not process and require a manual refund.
  • If liquidity is insufficient, deposits will retry until successful or refunded.
  • Fees can be fetched in real time through the API or fixed by agreement.

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Core Technologies

Several technologies come together to make Smart Deposit Addresses (SDAs) work in practice:
  • API / SDK (SDA generation): Developers generate deposit addresses via Rhino’s API or SDK with zero blockchain complexity. No private key management or contract deployment is required.
  • Wallet & App Transfers (funding SDA): Any wallet, CEX, or app that supports token transfers can send funds to an SDA. This keeps the user interaction primitive and universal.
  • Rhino Solver & Liquidity Layer (orchestration & crediting): Our solver system monitors deposits in real time and uses Rhino’s liquidity to credit the specified destination chain/address.
  • Reconciliation (sweeping): On EVM chains we use EIP-7702; for non-EVMs we maintain custom implementations. This ensures SDA balances are reconciled safely after crediting.

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Before You Start