Non-Custodial Wallet Condensed Flow

Create complete transactions to self-hosted (non-custodial) wallets with automatic KYC screening and workflow optimization in a single API call.

Use Case

Perfect for transactions where the beneficiary wallet is self-hosted by an individual rather than managed by a VASP. The system automatically handles the simplified workflow required for non-custodial recipients.

Key Features

No VASP Required: Beneficiary manages their own wallet
Simplified Workflow: Automatic skip of beneficiary VASP communication
Enhanced KYC: Additional screening for self-custody scenarios
Compliance Maintained: Full Travel Rule compliance despite non-custodial nature

Request

Endpoint: POST https://api.trpcontinuum.com/trp/transactions/condensed

Headers:

Content-Type: application/json
Authorization: Bearer {your-token}

Request Body:

{
  "transaction": {
    "network": "bitcoin",
    "virtualAsset": "Bitcoin (BTC)",
    "amount": "50.25",
    "beneficiaryWalletAddress": "bc1qxy2kgdygjrsqtzq2n0yrf2493p83kkfjhx0wlh",
    "originatorWalletAddress": "bc1qabc123def456ghi789jkl012mno345pqr678stu",
    "memo": "Payment to non-custodial wallet"
  },
  "beneficiary": {
    "isNonCustodialWallet": true,
    "beneficiaryIsLegalPerson": false,
    "beneficiaryFirstName": "Jane",
    "beneficiaryLastName": "Smith",
    "dateOfBirth": "1992-07-15",
    "placeOfBirth": "Boston, MA",
    "beneficiaryIdNumber": "555666777",
    "beneficiaryIdType": "PASSPORT",
    "beneficiaryIdCountryOfIssue": "US",
    "buildingNumber": "789",
    "streetName": "Crypto Street",
    "townName": "Boston",
    "postCode": "02101",
    "country": "US"
  },
  "originator": {
    "originatorIsLegalPerson": false,
    "originatorFirstName": "John",
    "originatorLastName": "Doe",
    "originatorDob": "1985-03-20",
    "originatorPlaceOfBirth": "Chicago, IL",
    "originatorIdNumber": "987654321",
    "originatorIdType": "PASSPORT",
    "originatorIdCountryOfIssue": "US",
    "originatorAddressLine1": "456 Oak Street",
    "originatorAddressLine2": "Apt 3A",
    "originatorCity": "San Francisco",
    "originatorState": "CA",
    "originatorPostalCode": "94102",
    "originatorCountry": "US"
  }
}

Response Examples

Success (No KYC Matches)

{
  "success": true,
  "data": {
    "id": "txn_noncust123",
    "status": "Waiting for TX Hash",
    "network": "bitcoin",
    "virtualAsset": "Bitcoin (BTC)",
    "amount": "50.25",
    "beneficiaryWalletAddress": "bc1qxy2kgdygjrsqtzq2n0yrf2493p83kkfjhx0wlh",
    "originatorWalletAddress": "bc1qabc123def456ghi789jkl012mno345pqr678stu",
    "beneficiary": {
      "beneficiaryFirstName": "Jane",
      "beneficiaryLastName": "Smith",
      "isNonCustodialWallet": true,
      "beneficiaryVaspName": "NON-CUSTODIAL-WALLET"
    },
    "originator": {
      "originatorFirstName": "John",
      "originatorLastName": "Doe"
    },
    "kycCheck": {
      "hasMatches": false,
      "totalMatches": 0,
      "beneficiaryChecked": true,
      "originatorChecked": true,
      "nonCustodialScreening": true,
      "screenedAt": "2024-08-07T10:00:00Z"
    },
    "workflowType": "non_custodial",
    "autoSkippedSteps": [
      "send_to_beneficiary_vasp",
      "approve_originator",
      "payment_check"
    ],
    "createdAt": "2024-08-07T10:00:00Z",
    "updatedAt": "2024-08-07T10:00:00Z"
  }
}

Success (KYC Matches Found)

{
  "success": true,
  "data": {
    "id": "txn_noncust456",
    "status": "KYC Beneficiary Pending Review",
    "network": "bitcoin",
    "virtualAsset": "Bitcoin (BTC)",
    "amount": "50.25",
    "kycCheck": {
      "hasMatches": true,
      "totalMatches": 1,
      "beneficiaryMatches": 1,
      "originatorMatches": 0,
      "topMatch": {
        "score": 0.87,
        "name": "Jane Smith",
        "riskLevel": "high",
        "sources": ["watchlist"],
        "details": {
          "birthDate": "1992-07-15",
          "country": "US",
          "matchType": "name_dob_country",
          "walletType": "non_custodial"
        }
      },
      "nonCustodialScreening": true,
      "enhancedScreening": {
        "walletAnalysis": true,
        "addressRiskScore": 0.1,
        "previousTransactions": 0
      },
      "screenedAt": "2024-08-07T10:00:00Z"
    },
    "workflowType": "non_custodial",
    "createdAt": "2024-08-07T10:00:00Z",
    "updatedAt": "2024-08-07T10:00:00Z"
  }
}

Required Fields

Transaction

network - Blockchain network
virtualAsset - Asset name
amount - Transaction amount as string
beneficiaryWalletAddress - Self-hosted wallet address
originatorWalletAddress - Sender wallet address

Beneficiary (Non-Custodial)

isNonCustodialWallet - Must be true
beneficiaryIsLegalPerson - Usually false (individuals)
beneficiaryFirstName - First name (if natural person)
beneficiaryLastName - Last name (if natural person)
dateOfBirth - Birth date (YYYY-MM-DD format)
country - Country code (ISO 3166-1 alpha-2)

Originator

originatorIsLegalPerson - true or false
originatorFirstName/originatorLastName (if natural person)
originatorLegalName (if legal person)
originatorDob (natural person) / originatorDateOfIncorporation (legal person)
originatorCountry - Country code

Optional Fields

Enhanced Beneficiary Data

beneficiaryIdNumber - ID document number
beneficiaryIdType - ID type ("PASSPORT", "NATIONAL_ID", "DRIVERS_LICENSE")
beneficiaryIdCountryOfIssue - Issuing country
placeOfBirth - Place of birth
Address fields: buildingNumber, streetName, townName, postCode

Wallet Information

walletProvider - Wallet software/provider (if known)
walletType - Type of non-custodial wallet
selfCustodyConfirmation - Confirmation that wallet is self-hosted

Non-Custodial Workflow

Automatic Skip Steps

When isNonCustodialWallet: true, the system automatically:

Skips Beneficiary VASP Communication - No VASP to notify
Skips Originator Approval - No beneficiary VASP to approve
Skips Payment Check - No VASP payment verification needed
Direct to TX Hash - Ready for blockchain transaction

Status Progression (No KYC Matches)

Waiting for TX Hash - Ready for blockchain transaction
Submit TX hash via /tx-hash-submit endpoint
Tx Hash Sent Successfully - Transaction complete

Status Progression (With KYC Matches)

KYC Beneficiary Pending Review - Manual review required
After KYC approval → Waiting for TX Hash
Submit TX hash → Tx Hash Sent Successfully

Enhanced KYC for Non-Custodial

Additional Screening

Non-custodial transactions receive enhanced screening:

Wallet Address Analysis: Risk scoring of destination address
Blockchain Analysis: Previous transaction history review
Enhanced Entity Screening: Additional focus on self-custody risks
Geographic Risk Assessment: Country-specific non-custodial regulations

Risk Factors

Higher scrutiny applied for:

Large amounts to non-custodial wallets
First-time recipients
High-risk jurisdictions
Privacy coins or mixers
Suspicious address patterns

Code Examples

JavaScript/Node.js

const axios = require('axios');

async function createNonCustodialTransaction() {
  try {
    const response = await axios.post('https://api.trpcontinuum.com/trp/transactions/condensed', {
      transaction: {
        network: "bitcoin",
        virtualAsset: "Bitcoin (BTC)",
        amount: "25.50",
        beneficiaryWalletAddress: "bc1qxy2kgdygjrsqtzq2n0yrf2493p83kkfjhx0wlh",
        originatorWalletAddress: "bc1qabc123def456ghi789jkl012mno345pqr678stu",
        memo: "Payment to personal wallet"
      },
      beneficiary: {
        isNonCustodialWallet: true,
        beneficiaryIsLegalPerson: false,
        beneficiaryFirstName: "Alice",
        beneficiaryLastName: "Johnson",
        dateOfBirth: "1988-11-22",
        country: "US",
        beneficiaryIdNumber: "123987456",
        beneficiaryIdType: "PASSPORT",
        walletProvider: "Electrum"
      },
      originator: {
        originatorIsLegalPerson: false,
        originatorFirstName: "Bob",
        originatorLastName: "Wilson",
        originatorDob: "1985-03-20",
        originatorCountry: "US"
      }
    }, {
      headers: {
        'Authorization': `Bearer ${token}`,
        'Content-Type': 'application/json'
      }
    });

    if (response.data.success) {
      const transaction = response.data.data;
      
      if (transaction.kycCheck.hasMatches) {
        console.log(`Non-custodial transaction ${transaction.id} held for review`);
        console.log(`Enhanced screening flagged ${transaction.kycCheck.totalMatches} matches`);
        // Handle KYC review
      } else {
        console.log(`Non-custodial transaction ${transaction.id} ready for blockchain execution`);
        console.log(`Status: ${transaction.status}`);
        console.log(`Skipped steps: ${transaction.autoSkippedSteps.join(', ')}`);
        
        // Proceed directly to blockchain transaction
        // await executeBlockchainTransaction(transaction);
      }
    }
  } catch (error) {
    console.error('Non-custodial transaction failed:', error.response?.data);
  }
}

async function submitTransactionHash(transactionId, txHash) {
  try {
    const response = await axios.post(`https://api.trpcontinuum.com/trp/transactions/${transactionId}/tx-hash-submit`, {
      txHash: txHash,
      note: "Transaction broadcast to Bitcoin network"
    }, {
      headers: {
        'Authorization': `Bearer ${token}`,
        'Content-Type': 'application/json'
      }
    });

    if (response.data.success) {
      console.log(`Transaction ${transactionId} completed successfully`);
      console.log(`TX Hash: ${txHash}`);
    }
  } catch (error) {
    console.error('TX hash submission failed:', error.response?.data);
  }
}

Python

import requests
import hashlib

def create_non_custodial_transaction():
    payload = {
        "transaction": {
            "network": "bitcoin",
            "virtualAsset": "Bitcoin (BTC)",
            "amount": "25.50",
            "beneficiaryWalletAddress": "bc1qxy2kgdygjrsqtzq2n0yrf2493p83kkfjhx0wlh",
            "originatorWalletAddress": "bc1qabc123def456ghi789jkl012mno345pqr678stu",
            "memo": "Payment to personal wallet"
        },
        "beneficiary": {
            "isNonCustodialWallet": True,
            "beneficiaryIsLegalPerson": False,
            "beneficiaryFirstName": "Alice",
            "beneficiaryLastName": "Johnson",
            "dateOfBirth": "1988-11-22",
            "country": "US",
            "beneficiaryIdNumber": "123987456",
            "beneficiaryIdType": "PASSPORT",
            "walletProvider": "Electrum"
        },
        "originator": {
            "originatorIsLegalPerson": False,
            "originatorFirstName": "Bob",
            "originatorLastName": "Wilson",
            "originatorDob": "1985-03-20",
            "originatorCountry": "US"
        }
    }
    
    response = requests.post(
        'https://api.trpcontinuum.com/trp/transactions/condensed',
        json=payload,
        headers={
            'Authorization': f'Bearer {token}',
            'Content-Type': 'application/json'
        }
    )
    
    if response.status_code == 200:
        data = response.json()
        if data['success']:
            transaction = data['data']
            
            print(f"Non-custodial transaction created: {transaction['id']}")
            print(f"Workflow type: {transaction['workflowType']}")
            print(f"Status: {transaction['status']}")
            
            if transaction['kycCheck']['hasMatches']:
                print("⚠️  KYC review required")
                handle_kyc_review(transaction['id'])
            else:
                print("✅ Ready for blockchain execution")
                print(f"Auto-skipped: {', '.join(transaction['autoSkippedSteps'])}")
                
                # Simulate blockchain transaction
                tx_hash = simulate_blockchain_transaction(transaction)
                submit_transaction_hash(transaction['id'], tx_hash)
    else:
        print(f"Error: {response.status_code} - {response.text}")

def simulate_blockchain_transaction(transaction):
    # In real implementation, this would broadcast to blockchain
    import uuid
    return f"0x{uuid.uuid4().hex}"

def submit_transaction_hash(transaction_id, tx_hash):
    response = requests.post(
        f'https://api.trpcontinuum.com/trp/transactions/{transaction_id}/tx-hash-submit',
        json={
            'txHash': tx_hash,
            'note': 'Non-custodial transaction completed'
        },
        headers={
            'Authorization': f'Bearer {token}',
            'Content-Type': 'application/json'
        }
    )
    
    if response.status_code == 200:
        print(f"✅ Transaction completed with hash: {tx_hash}")
    else:
        print(f"❌ TX hash submission failed: {response.text}")

Next Steps

After Successful Creation (No KYC Matches)

Execute Blockchain Transaction: Send actual cryptocurrency
Submit TX Hash: Use /tx-hash-submit endpoint
Transaction Complete: Status becomes Tx Hash Sent Successfully

After KYC Approval

Status Updates: KYC Beneficiary Pending Review → Waiting for TX Hash
Execute Blockchain Transaction: Proceed with crypto transfer
Submit TX Hash: Complete the transaction record

Compliance Considerations

Travel Rule Compliance

Even with non-custodial recipients:

Full originator information collected
Beneficiary information verified
Transaction records maintained
Regulatory reporting requirements met

Enhanced Monitoring

Higher scrutiny for large amounts
Blockchain analysis for suspicious patterns
Geographic risk assessment
Ongoing transaction monitoring

Regulatory Variations

Different jurisdictions may have specific requirements:

US: FinCEN guidance on self-hosted wallets
EU: 5AMLD requirements for crypto-to-crypto transfers
Japan: JVCEA self-custody reporting requirements

Common Errors

Missing Non-Custodial Flag

{
  "success": false,
  "error": "MISSING_BENEFICIARY_TYPE",
  "message": "Must specify beneficiary type",
  "details": {
    "required_fields": ["beneficiaryVaspId", "isNonCustodialWallet", "unregisteredVaspWebsite"],
    "suggestion": "Set isNonCustodialWallet: true for self-hosted wallets"
  }
}

Invalid Wallet Address

{
  "success": false,
  "error": "INVALID_WALLET_ADDRESS",
  "message": "Wallet address format invalid for specified network",
  "details": {
    "network": "bitcoin",
    "address": "0x1234...",
    "expectedFormat": "bc1... (Bech32) or 1... (P2PKH) or 3... (P2SH)"
  }
}

Testing

Test Scenarios

Low Risk Non-Custodial:

{
  "beneficiaryFirstName": "Test",
  "beneficiaryLastName": "User",
  "dateOfBirth": "1990-01-01",
  "isNonCustodialWallet": true
}

High Risk (Will Trigger Review):

{
  "beneficiaryFirstName": "High",
  "beneficiaryLastName": "Risk",
  "dateOfBirth": "1980-01-01",
  "country": "IR",
  "isNonCustodialWallet": true
}

Wallet Address Testing

Use valid test addresses for different networks:

Bitcoin: bc1qxy2kgdygjrsqtzq2n0yrf2493p83kkfjhx0wlh
Ethereum: 0x742C4B4f7c1e1e1e1e1e1e1e1e1e1e1e1e1e1e1e
Polygon: Same as Ethereum format

Use Case​

Key Features​

Request​

Response Examples​

Success (No KYC Matches)​

Success (KYC Matches Found)​

Required Fields​

Transaction​

Beneficiary (Non-Custodial)​

Originator​

Optional Fields​

Enhanced Beneficiary Data​

Wallet Information​

Non-Custodial Workflow​

Automatic Skip Steps​

Status Progression (No KYC Matches)​

Status Progression (With KYC Matches)​

Enhanced KYC for Non-Custodial​

Additional Screening​

Risk Factors​

Code Examples​

JavaScript/Node.js​

Python​

Next Steps​

After Successful Creation (No KYC Matches)​

After KYC Approval​

Compliance Considerations​

Travel Rule Compliance​

Enhanced Monitoring​

Regulatory Variations​

Common Errors​

Missing Non-Custodial Flag​

Invalid Wallet Address​

Testing​

Test Scenarios​

Wallet Address Testing​