Кастодиальный кошелёк

In a custodial wallet, the private key used to sign transactions is held by the provider. The user sees a balance in the interface and issues instructions, and the provider carries out transfers on the user's behalf. The term comes from the English 'custody', meaning 'storage' or 'guardianship'.

## How It Works

The user registers with the provider, completes verification (usually KYC), and receives an internal balance. A deposit sent to an address issued by the service is credited to its shared wallet, and the balance is tracked in the system's database. A withdrawal means the provider itself sends funds to the user's external address.

## Where It Is Used

This is most often found in balances on centralized exchanges (CEX), wallets at crypto exchangers, payment services for accepting and paying out crypto, merchant solutions, and gaming platforms where bets and winnings are handled in cryptocurrency. In high-risk verticals, this is the primary way client funds are held.

## Impact

The main advantage is simplicity: access can be recovered through support, there is no need to store a seed phrase, and it is convenient for mass-market users. The main drawback is counterparty risk. If the provider freezes the account, delays withdrawals, breaches rules, or goes bankrupt, the user may not get their funds back. In addition, the provider must comply with AML and travel rule requirements, which adds checks on withdrawals.

## Common Mistakes

A common mistake is assuming that the balance shown in the interface equals real backing. People also confuse custodial and non-custodial wallets: in the first case, the key does not belong to the user. Affiliates and webmasters should keep in mind that if an account is blocked, traffic and payouts may get stuck, so large amounts should not be held in one place.