Payment Orchestration

Move funds programmatically across deposit, omnibus, and cold wallets with sub-100ms signing and policy-enforced access control at every transaction. For a basic signing walkthrough, start with the Quickstart. This guide covers the key implementation decisions for company wallet payment flows, then walks through a production example end-to-end: creating per-user deposit addresses, sweeping those deposits into an omnibus wallet with gas sponsorship, and gating treasury outflows with multi-party approval.

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Key implementation decisions

Decision	What to consider
Wallet architecture	Single HD wallet with many accounts (cost-efficient, shared seed) vs separate wallets per function (deposits, omnibus, cold)
Deposit addressing	Per-user deposit addresses via `createWalletAccounts` at no extra cost
Sweep strategy	Policy-enforced sweeps restricting deposit addresses to a single omnibus destination
Gas management	Sponsored transactions (`sponsor: true`) eliminate the need to fund each deposit address for gas
Chain coverage	EVM and SVM require separate policies due to different transaction models
Hot wallet controls	Automated API key user with policies scoping exactly which transfers are allowed
Treasury controls	Multi-party approval via consensus expressions (e.g., 2-of-N ops team)
Cold storage transfers	Policy-gated with parsed calldata for token transfers, or upload the contract ABI for full parsing

Example: custodial payment processing

Exchanges and custodial payment processors are common examples requiring highly scalable, highly secure onchain systems.

Need	How Turnkey solves it
All users have a unique deposit address	Wallet accounts are efficiently created and controlled within a Turnkey organization
Access to all wallets must be strictly permissioned	Policies enforce RBAC and least-privilege for all signing actions
Keys must never be exposed	Keys remain in the secure enclave; only signatures are returned
Must support automation and human review	Policies allow automation for routine tasks and require multi-party consensus for sensitive ones
Must move funds efficiently	Transaction sponsorship eliminates the cost of funding thousands of deposit addresses for gas

Implementation steps

This guide assumes you’ve completed the Quickstart and have a Turnkey client initialized. If not, start there first.

Create deposit addresses on demand

Turnkey lets you create unlimited wallet accounts at no cost, each with a unique address belonging to the same underlying wallet. Create a deposits wallet with both EVM and SVM accounts:

const { walletId } = await turnkeyClient.apiClient().createWallet({
  walletName: "Deposits wallet",
  accounts: [
    {
      curve: "CURVE_SECP256K1",
      pathFormat: "PATH_FORMAT_BIP32",
      path: "m/44'/60'/0'/0/0",
      addressFormat: "ADDRESS_FORMAT_ETHEREUM",
    },
    {
      curve: "CURVE_ED25519",
      pathFormat: "PATH_FORMAT_BIP32",
      path: "m/44'/501'/0'/0'",
      addressFormat: "ADDRESS_FORMAT_SOLANA",
    },
  ],
});

Then generate fresh deposit addresses on demand:

async function createDepositAddresses(
  turnkeyClient: Turnkey,
  walletId: string
): Promise<string[]> {
  const addresses = await turnkeyClient.apiClient().createWalletAccounts({
    walletId,
    accounts: ["ADDRESS_FORMAT_ETHEREUM", "ADDRESS_FORMAT_SOLANA"],
  });

  return addresses.addresses;
}

This function can be triggered by end-user signup, a deposit request, or any internal flow.

Sweep deposits to an omnibus wallet

Now that you have deposit addresses generating on demand, the next step is moving those funds into a central omnibus wallet. This is where the complexity typically starts: sweeping funds from thousands of addresses involves both security and cost considerations.Policy-enforced sweepsCreate policies that restrict deposit wallets to only transfer to the omnibus address. EVM and SVM require separate policies due to their different transaction models:

{
  "policyName": "(EVM) Deposit wallet sweep to omnibus",
  "effect": "EFFECT_ALLOW",
  "consensus": "approvers.any(user, user.id == '<API_USER_ID>')",
  "condition": "activity.action == 'SIGN' && wallet.id == '<DEPOSITS_WALLET_ID>' && eth.tx.to == '<OMNIBUS_ADDRESS>'"
},
{
  "policyName": "(SVM) Deposit wallet sweep to omnibus",
  "effect": "EFFECT_ALLOW",
  "consensus": "approvers.any(user, user.id == '<API_USER_ID>')",
  "condition": "activity.action == 'SIGN' && wallet.id == '<DEPOSITS_WALLET_ID>' && solana.tx.transfers.count == 1 && solana.tx.transfers[0].to == '<OMNIBUS_ADDRESS>'"
}

Turnkey’s Policy Engine is default-deny: you only specify the exact conditions to allow. Raw or obfuscated payloads are rejected unless explicitly permitted.Gas sponsorshipNormally you’d need to fund every deposit address with gas before sweeping. Sponsored transactions bypass this entirely:

const sendTransactionStatusId = await turnkeyClient.apiClient().ethSendTransaction({
  transaction: {
    from: depositAddress,
    to: "OMNIBUS_ADDRESS",
    caip2: "eip155:8453",
    sponsor: true,
    value: "0",
    data: "0x",
    nonce: "0",
  },
});

See the gas sponsorship guide for more details.

Treasury flows with multi-party approval

The omnibus wallet likely requires human-operator approval for outbound transfers and may need more sophisticated automations like asset rebalancing.Create a user tag (e.g., ops-team) and apply it to your teammates, then set a policy requiring their approval for transfers to a cold wallet:

{
  "policyName": "Require 2 ops-team for cold wallet deposits",
  "effect": "EFFECT_ALLOW",
  "consensus": "approvers.filter(user, user.tags.contains('<OPS_TEAM_TAG_ID>')).count() > 1",
  "condition": "activity.action == 'SIGN' && wallet.id == '<OMNIBUS_WALLET_ID>' && (eth.tx.to == '<COLD_WALLET_ADDRESS>' || (eth.tx.data[0..10] == '0xa9059cbb' && eth.tx.data[34..74] == '<COLD_WALLET_ADDRESS>'))"
}

For token transfers, the policy above parses the ERC-20 transfer function signature. For production use, the recommended approach is to upload the contract ABI for supported assets and act on fully parsed transactions.

Overview

Embedded Wallets

Company Wallets

Key Management

Cookbooks

Payment Orchestration

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Key implementation decisions

Example: custodial payment processing

Implementation steps

Next steps

​Powered by Turnkey

​Key implementation decisions

​Example: custodial payment processing

​Implementation steps

​Next steps

Powered by Turnkey

Key implementation decisions

Example: custodial payment processing

Implementation steps

Next steps