Wallet payment
The customer connects a wallet on the checkout and confirms once. Your share reaches your wallet in that same transaction.
USDT payment gateway for websites, apps and bots
Accept USDT through one API and a hosted checkout. Customers pay from their wallet or send to a dedicated deposit address, and the money goes to your own wallet without passing through kokiwa.
- Payments arrive in real time
- Fees capped at 100 USD per payment
Two ways to accept USDT
Dedicated deposit address
Each customer gets a permanent BNB Chain address to send USDT to from any exchange or wallet. Deposits are credited and swept to your wallet automatically.
Signed webhooks
Your system is told as soon as USDT arrives, with the on-chain hashes. Only finalized blocks count, and every deposit is cross-checked with a second node provider.
Supported USDT networks
| Network | Standard | Payment methods |
|---|---|---|
| BNB Chain | BEP20 | Wallet payment, Dedicated deposit addresses |
| Ethereum | ERC20 | Wallet payment |
| Arbitrum | Arbitrum One | Wallet payment |
| Base | Base | Wallet payment |
| Polygon | Polygon PoS | Wallet payment |
| Optimism | OP Mainnet | Wallet payment |
| TON | Jetton | Wallet payment |
| Solana | SPL | Wallet payment |
| Tron | TRC20 | Planned |
USDC works on every live network except TON. Pass chains in the API to limit which networks a payment accepts.
What a USDT payment costs
| Wallet payment | Dedicated deposit addresses | |
|---|---|---|
| Fee | 0.35 | 0.65 |
| You receive | 99.65 | 99.35 |
| Effective rate | 0.35% | 0.65% |
| Saved by the cap | – | – |
Add USDT to your site
- Create a projectSign up and register your payout wallet on-chain.
- Create a paymentYour server calls the API and sends the customer to checkout_url.
- Handle the webhookMark the order paid when the signed webhook arrives.
Create a USDT payment
curl https://api.kokiwa.com/v1/payment_intents \
-H "Authorization: Bearer $KOKIWA_KEY" \
-H "Content-Type: application/json" \
-d '{
"currency": "USDT",
"amount": "25.00",
"chains": ["bsc", "ethereum", "ton"],
"customer": "user_42",
"metadata": { "order_id": "10086" }
}'Questions from merchants
- What is a USDT payment gateway?
- It lets a business accept USDT through an API and a checkout page, without watching the blockchain itself. kokiwa also tells your system when each payment arrives.
- Does kokiwa support USDT TRC20?
- Not yet. TRC20 on Tron is planned. USDT works today on BEP20, ERC20, Arbitrum, Base, Polygon, Optimism, TON and Solana.
- Is there a minimum USDT payment?
- The minimum is 5 USDT per payment. Smaller transfers to a deposit address are still credited and swept together once they reach 5 USDT.
- Do I need BNB, ETH or TON for gas?
- No. kokiwa pays the gas for splitting and sweeping, so you never need to hold gas tokens.