Active Management

Overview

CryptoMate’s Active Management product lets businesses manage their clients’ digital assets through an integrated Wallet and Holding Wallet system. Deposits are received on dedicated addresses, while the real assets are consolidated in a secure, company-managed holding wallet. The product is built on top of Polygon, BNB Chain, and Tron, providing a robust, transparent, and scalable foundation for business operations.

Core concepts

Wallet

A deposit address where cryptocurrencies are received. Incoming funds are recorded as a virtual balance — a debt owed by the company to its client.

Holding Wallet

The main repository for the real assets. Funds are automatically transferred here from the deposit wallet to maximize security and fund control.

Deposit-to-holding flow

Receive the deposit

The client sends cryptocurrency to a unique wallet deposit address. The transaction is processed and recorded on the blockchain (Polygon, BNB, or Tron). The system registers the amount as a virtual balance that represents the company’s debt to the client.

Transfer to the holding wallet

Real funds move from the deposit wallet to the holding wallet automatically or via rules, centralizing assets in a secure company-managed address.

Virtual balance reflection

The client sees their available virtual balance in real time and can use it per the platform’s rules — transactions, payments, or internal operations.

Audit and transparency

The entire flow is traceable and auditable through the blockchain, so every movement can be verified end-to-end.

Managing virtual wallets

Deposits and withdrawals. Clients can deposit and withdraw funds as needed from their virtual wallets. Withdrawals to external wallets. When funds are withdrawn from a virtual wallet to an external address, the assets are deducted from the holding wallet, ensuring a real transfer of funds. Transfers between virtual wallets. Internal transfers between two virtual wallets are simple virtual balance movements — no blockchain transactions occur. This prevents unnecessary holding wallet deductions for in-ecosystem operations.

Managing the holding wallet

Deposit external funds

Companies can deposit cryptocurrency directly into the holding wallet from external sources for flexible resource management.

Withdraw to external wallets

Withdrawals are limited to the on-chain funds available in the holding wallet — no overdrafts are allowed. Keep sufficient balance to cover external withdrawals initiated from virtual wallets.

Transfer to a virtual wallet

The company can credit a client’s virtual wallet even without enough holding wallet balance. This increases the company’s debt to the client and should be used deliberately.

Company clients and ramp operations

What is a company client?

A company client is an end user that has completed KYC verification and can perform ramp operations (fiat-to-crypto and crypto-to-fiat).

Client-wallet relationship

One wallet → one client. Each virtual wallet is associated with exactly one client.
One client → multiple wallets. A client can own multiple wallets across blockchains or purposes.
Active wallets only. Only wallets in active status can be associated with a client.

Prerequisites for ramp operations

Client creation

Complete KYC with personal ID documents, address verification, tax identification number (country-specific), and contact information.

Bank account setup

For off-ramp operations, at least one verified bank account must be linked to the client.

Active wallet association

At least one active virtual wallet must be created and associated with the client.

On-ramp (fiat → crypto)

The client initiates an on-ramp request and receives fiat deposit information.
Funds are received and verified.
The equivalent amount of cryptocurrency is credited to the client’s virtual balance.
The real assets are held in the holding wallet; the client’s virtual balance reflects ownership.

Off-ramp (crypto → fiat)

The client initiates a withdrawal from their virtual wallet to their bank account.
The system deducts the virtual balance.
Real cryptocurrency is transferred out of the holding wallet for fiat conversion.
Fiat currency is sent to the client’s linked bank account.