Pay with Exchange & Self-Custodial Wallets

AppKit Pay with Exchange unlocks a powerful new flow: users can pay in crypto directly from their Centralized Exchange (CEX) accounts like Binance or Coinbase, with no new wallets, no app switching, and no lost conversions. This flow is bundled together with the Pay with Self-Custodial Wallets flow.

AppKit Pay with Exchange Demo

This feature brings together Reown’s vast ecosystem of wallets and onchain infrastructure to offer:

• Fewer clicks, higher conversion: Seamless checkout within the Centralized Exchange (CEX) UI.

• No credentials shared: Secure flow with no handling of user logins, credentials, or private keys.

• Instant integration for PSPs: Payments settle onchain, using existing reconciliation systems.

• Fallback-friendly: If the exchange balance is low, users can onramp and complete the payment in the same flow.

With 72% of crypto users holding funds on exchanges, Pay with Exchange helps payment providers tap into where users actually keep their assets and turn more intent into successful transactions.

A direct integration from CEX to checkout. No wallet needed, no friction, and no compromises.

Demo

Want to see AppKit Pay with Exchange in action? Try out the live demo to experience Reown AppKit’s AppKit Pay with Exchange flow firsthand.

Try Demo

Networks and Assets Supported

Currently, AppKit Pay with Exchange and Self-Custodial Wallets supports the following assets on the following networks:

Asset -> Network

Coinbase

• USDC -> Ethereum, Optimism, Arbitrum, Base, Polygon, Solana
• USDT -> Ethereum

Binance

• USDC -> Ethereum, Optimism, Arbitrum, Base, Polygon, Solana
• USDT -> Ethereum, Optimism, Arbitrum, Polygon, Solana
• Native Solana

Currently, USDC and USDT on Solana is only available via Pay with Exchange. It will soon be available via Pay with Self-Custodial Wallets.

Both EVM and Solana networks and their assets can be added, subject to exchange compatibility.

For access to additional networks or assets, please contact [e-mail].

Interested in getting early access?

This feature is currently in early access. If you are interested in getting early access or learning more, please reach out to us at [e-mail].

Get Started

React

Get started with AppKit Pay with Exchange and self-custodial wallets in React.

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Pay with Exchange FAQs

What is 'Pay with Exchange'?

Pay with Exchange is a flow that allows users to pay in crypto directly from their Centralized Exchange (CEX) accounts; starting with Binance and Coinbase.

It allows users to complete payments without needing to move funds into a wallet first.

How is this different from on-ramps?

On-ramps convert fiat to crypto in order to fund user’s own wallet. They often require full KYC at the time of the onramp.

Pay with Exchange is designed to skips these steps by letting users pay directly from their exchange account, reducing UX friction and dropout. Pay with Exchange is designed to support payments to any address.

Which exchanges are supported?

Coinbase and Binance. More exchanges will be added, so please reach out to [e-mail] to inquire.

What crypto assets and networks are supported?

Check the Networks and Assets Supported section for an up to date list of supported assets and networks.

User Experience

What happens if the user selects an unsupported token or network?

If the selected token or network is not supported, the exchange is automatically hidden from the user interface to prevent confusion or failure. This ensures users are only presented with viable payment routes.

What happens if a user cancels mid-flow?

If a user abandons the flow after being redirected to the exchange, no transaction occurs. Reown only provides a payment confirmation after the exchange executes the withdrawal. Apps can implement timeout logic to handle cancellations gracefully.

What UX do users see inside the exchange? Is it branded or generic?

Once redirected to the exchange, the user sees the native exchange UI. Reown does not inject branding or control the in-exchange experience, ensuring a secure, familiar flow for the user and no compromise on exchange login or withdrawal authentication.

What happens if the user is not logged onto their exchange?

If the user doesn’t have an active browser session with the exchange, they will be prompted to log in by the exchange.

How do you handle failed or delayed withdrawals?

Reown monitors confirmations but cannot intervene in CEX operations. Apps should be designed to handle failures and delays.

Can users cancel the payment after confirming on the exchange?

No, users cannot cancel the payment after confirming on the exchange.

What happens if a payment fails on the CEX side?

If a withdrawal fails:

• The user remains in the exchange interface and will typically see the error there.
• Reown does not emit a confirmation, so apps can assume the transaction was not completed.
• Apps should handle retries or offer alternate payment methods like a wallet-based option

What happens if the user doesn't have enough funds on the exchange?

The user will be able to use the exchange interface to buy crypto currency and complete the payment.

Can we customize branding and UI?

Pay with Exchange is available as a headless option, allowing full UI customization by developers. Exchange branding and UI cannot be customized.

Compliance, Security & Observability

Is KYC required for the user?

Yes, implicitly. Since users are transacting through CEX accounts, the exchanges’ own KYC policies apply.

Are there Travel Rule implications?

Possibly. Reown itself does not mediate exchange-to-exchange transactions, but PSPs are responsible for their Travel Rule compliance and ensuring they can accept transfers from CEXes.

Does Reown custody any user funds?

No. All transactions occur within the exchange interface. Reown never stores or accesses user credentials or funds

Can we monitor transactions in real time?

Yes. AppKit provides blockchain transaction IDs upon payment confirmation, which can be used for real-time monitoring and reconciliation.

Integration & Support

How do we integrate this into our checkout or app flow?

Pay with Exchange is part of AppKit Pay, it is available as a modal and a headless flow.

How long does a full integration typically take?

For developers already using AppKit, integration is estimated to take less than a day. New customers must first complete the AppKit SDK integration, which typically takes a few days depending on team setup.

What's your uptime guarantee?

Reown guarantees 99.9% uptime for paid customers, 90-day uptime can be found here.

Availability of a particular exchange will also depend on the exchange uptime.

Pricing & Fees

What does it cost to use Pay with Exchange?

Reown uses a tiered pricing model, calculated on the USD value of processed payments. These fees are billed to Reown’s customers monthly, and not applied to end users at the time of payment.

Are there overage fees or API rate limits?

Yes, if usage exceeds AppKit tier limits.

Who pays the network fees?

The end user covers network fees, as these are embedded in the exchange withdrawal process. They depend on the network, and can fluctuate without notice due to factors such as network congestion. Network fees are disclosed to the user as part of the exchange experience, and can sometimes be called exchange withdrawal fees. Binance fees can be found here.

Any other fees end users are subjected to?

If the user opts to buy crypto currency on the exchange instead of using available crypto balance, they may be subject to exchange trading fees. These will be shown to the user, broken down by exchange fees and network (withdrawal) fees.

Strategic Benefits

Why should we offer "Pay with Exchange" to our users?

• Reach: 72% of crypto holders keep funds in exchanges
• Increased conversion: Fewer steps, lower dropout
• No direct exchange integration needed
• Safer flow: Users stay inside the exchange UI
• Lower onboarding friction: No wallet setup required, KYC is already completed

Are there distinctive elements with your solution?

• On-chain settlement (unlike Binance Pay)
• No 3rd-party credential sharing (unlike Mesh)
• Fewer clicks for completion
• Headless support for full UI control
• Fully compatible with existing PSP/Dapp/Wallet infrastructures

Pay with Self-Custodial Wallets FAQs

What is 'Pay with Self-Custodial Wallets'?

Pay with Self-Custodial Wallets is a feature of Reown’s AppKit for Payments, enabling end users to make crypto payments directly from non-custodial wallets. This includes mobile wallets connected via WalletConnect as well as many browser wallets, giving users full control of their assets throughout the payment process.

How is it different from Pay with Exchange?

Pay with Wallet uses self-custodial wallets, while Pay with Exchange initiates payments from CEX accounts. They can be used at the same time as both features are available through the same SDK and UI, letting the user choose the best options for them while making the integration fast and simple.

Which wallets are supported?

600+ wallets are supported - all major wallets and any wallet that supports WalletConnect.

User Experience

How does the user authorize a payment?

The user first connects their chosen wallet after which they will see a transaction prompt in their wallet interface with recipient address, network, asset and amount pre-filled. To complete the payment, the user must confirm the transaction in their chosen wallet.

What happens if a user cancels mid-flow?

If a user abandons the flow before signing the transaction in their wallet, no transaction occurs. Apps can implement timeout logic to handle cancellations gracefully.

Can a user switch wallets?

Yes, a user can simply disconnect a wallet and connected another without losing the payment detail.

Compliance, Security & Observability

Can we monitor transactions in real time?

Yes. AppKit provides blockchain transaction IDs, which can be used for real-time monitoring and reconciliation.

Integration & Support

How do we integrate this into our checkout or app flow?

Pay with Wallet is part of AppKit Pay, which includes components to handle wallet connection, transaction creation, and monitoring. Integration follows the standard AppKit SDK setup and works as a modal.

How long does a full integration typically take?

For developers already using AppKit, integration is estimated to take less than a day. New customers must first complete the AppKit SDK integration, which typically takes a few days depending on team setup.

What's your uptime guarantee?

Reown guarantees 99.9% uptime for paid customers, 90-day uptime can be found here.

Availability of a particular wallet will also depend on the wallet uptime.

Pricing & Fees

What does it cost to use Pay with Wallet?

Reown uses a tiered pricing model, calculated on the USD value of processed payments. These fees are billed to Reown’s customers monthly, and not applied to end users at the time of payment.

Are there overage fees or API rate limits?

Yes, if usage exceeds AppKit tier limits.

Who pays the network fees?

The end user covers network fees, they will be visible upon signing the transaction in the wallet.

Strategic Benefits

Why should we offer 'Pay with Wallet' to our users?

• Reach 600+ wallets and millions of users with one integration
• Seamless UX for Ethereum, and other major networks
• Pre-filled amount, network, asset removes manual steps for users and eliminates over/underpayment risk

Are there distinctive elements with your solution?

• Cross-wallet support without needing individual wallet SDKs
• Real-time observability
• Option to mix with Pay with Exchange in the same checkout flow and one integration