Complete guide

Non-custodial payments

What non-custodial payments are, why they matter for businesses, and how settling to your own wallet removes freezes, reserves, and middlemen.

In short

Non-custodial payments settle directly to a wallet the business controls, so no processor ever holds the funds. That removes rolling reserves, account freezes, and payout delays — the money is yours the moment it settles on-chain.

Why non-custodial matters

With custodial processors, your money sits in their account until they release it — and they can reserve or freeze it. Non-custodial settlement sends stablecoins straight to your wallet, so control never leaves you.

Related

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Questions

Frequently asked questions

What are non-custodial payments?
Payments that settle directly to a wallet you control, with no third party holding your funds.
Why is this safer for my cash flow?
There are no reserves or freezes on a balance a processor holds, because there is no such balance.
Is Bitoshi non-custodial?
Yes — settlement goes straight to your own wallet address.

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