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Overview

Mesh’s flagship product is our Direct Connection experience. The Direct flow allows users to securely connect their exchange accounts or wallets to your platform through Mesh, enabling seamless, programmatic transfers. With the Direct Flow:
  • Users connect their exchange or wallet directly
  • Mesh can read account details (balances, addresses, transaction history)
  • Transfers are initiated programmatically
  • Mesh can help prevent user misconfiguration
  • SmartFunding can be applied to optimize conversion
However, to ensure broader coverage and higher conversion, Mesh also supports Manual Deposits through wallet address/QR code. Manual Deposits allow users to transfer funds by scanning a QR code or copying a wallet address—while still enabling you to receive confirmation and webhook updates from Mesh.

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What Are Manual Deposits?

Manual Deposits support the traditional crypto transfer flow:
  1. The user is shown a QR code and destination address.
  2. The token and network are clearly specified.
  3. Any required instructions (e.g., memo/tag, minimum deposit amount) are displayed.
  4. The user initiates the transfer directly from their wallet or exchange.
  5. Mesh monitors the blockchain for the transfer.
  6. Once detected, Mesh sends a webhook event confirming the deposit.
To support this flow, clients provide destination addresses at the start of each user session via the linkToken request. When Mesh detects a valid onchain transfer matching the provided address, token, and network, we send a webhook with: 
status: succeeded
This indicates a successful Mesh deposit.

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When Is Manual Used?

Manual Deposits appear in two primary ways:

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1. Front-Door Option

Mesh supports a landing experience where users can choose their preferred deposit method:
  • Connect account (Direct)
  • Deposit manually (QR code)
This gives users flexibility and can improve overall conversion by meeting different comfort levels.

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2. Backup Experience (Enabled by Default)

If a user cannot complete a direct transfer—for example:
  • Their exchange or wallet is not supported
  • They cannot find their integration in the catalog
  • They choose to exit the direct flow
  • They run into terminal errors during direct flow
Mesh automatically presents the Manual Deposit option. This backup flow is enabled by default for all deposit sessions.

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How Attribution Works

For Direct transfers, attribution is straightforward: Mesh initiates the transfer and receives confirmation from the connected account. Manual transfers require a different approach. When a user views a Mesh-generated QR code, we monitor for onchain activity and apply the following attribution logic: A transfer is attributed to Mesh if:
  • The specified token and network
  • Are sent to the exact destination address provided
  • Within 15 minutes of the user viewing the Mesh QR code
  • And there is no existing successful or pending direct deposit event
If these conditions are met, Mesh attributes the transfer as a successful Mesh QR code deposit and sends the corresponding webhook event. This attribution window ensures reliable detection while maintaining a clear and consistent standard across clients.

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When Manual Deposits May Not Be Appropriate

Manual Deposits are not recommended in the following scenarios:

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1. Non-Unique Deposit Addresses

If your platform does not provide unique wallet addresses per user session, Manual Deposits may not be suitable. Exceptions:
  • Networks like XLM or XRP that use memo/tag identifiers (which Mesh supports and displays to users)

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2. Source-of-Funds Verification Requirements

If your compliance framework requires verification of the source of funds, Manual Deposits may not meet those requirements, as funds are sent externally without account-level connectivity.

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3. Exact Payment Amount Requirements

If your use case requires receiving a precise amount (e.g., invoice or payment flows), Manual Deposits may introduce variability that needs additional handling.

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4. Preference Not to Support Manual Transfers

Manual Deposits are currently enabled by default. If your business model requires restricting transfers to direct-only flows, please contact the Mesh team.