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Prefunded wallets are a type of Bridge Wallet, with one key difference:
  • Prefunded Wallets allow off-ramps for multiple customers from a single account using the on_behalf_of field.
  • Bridge Wallets restrict off-ramps to the same customer_id that owns the wallet.
Prefunded wallets allow you to maintain a balance of funds to power instant on-ramps and off-ramps for your customers. These wallets hold a stablecoin of your choosing, and can Orchestrate into any Bridge-supported asset. This can be useful in payroll scenarios where you may want to disperse ACH payments for multiple employees using one general liquidity wallet.

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Funding a prefunded wallet

Prefunded wallets can be funded with any Bridge-supported source asset. Use any of our Orchestration products with a Bridge wallet destination to add funds to your prefunded wallet.

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Paying out from a prefunded wallet

Prefunded wallet can be debited via our Transfers API, with the Bridge wallet ID and relevant asset as the source for the transfer.

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Common use-cases

1. Instant Off-Ramps: For use-cases where speed is paramount, developers can leverage prefunded wallets to hold a balance with Bridge and instantly draw down on it, via API, and facilitate payments out to many end-users. 2. Card Acquiring: Card transactions typically settle on a T+2 basis, meaning funds aren’t available for 1–2 business days after a user swipes. For developers building card-to-stablecoin flows, this delay creates a poor user experience. By holding a balance in a prefunded wallet, developers can instantly credit users with stablecoins at the moment of purchase, long before card settlement completes. 3. Liquidity Management Developers with complex liquidity management needs leverage prefunded wallets to settle batched payments to Bridge and trigger many payouts from their balance. These batches lower per-transaction fees by spreading fixed fees across many payouts.