Wallet ownership

Non-Custodial Crypto. Keep control of the destination.

Flow Crypto sends purchased crypto to the wallet address selected for your order instead of maintaining a customer crypto balance. You control the destination and take responsibility for its security.

A woman using a hardware wallet with her phone at home
Sent to your nominated wallet
  1. Flow receives NZD

    Payment is matched to your order

  2. Flow executes the trade

    The purchased asset is prepared for withdrawal

  3. Crypto goes to your wallet

    There is no hosted customer crypto balance

What non-custodial means at Flow.

You nominate the receiving wallet. Flow does not present a hosted crypto balance for you to keep and later withdraw.

For a buy order, Flow Crypto receives the NZD payment, executes the trade, and withdraws the purchased asset to the nominated wallet.

Flow Crypto can still hold or control funds temporarily where necessary to process, settle, cancel, refund, or investigate an order, or to meet legal and security obligations. Non-custodial delivery is not the same as an instant or risk-free transfer.

Your wallet comes with real responsibility.

You choose the wallet, protect its recovery material, and confirm its receiving instructions. A lost seed phrase, malicious approval, or unsupported network can make assets inaccessible.

  • Back up the seed phrase offline
  • Never share private keys
  • Match the asset and network
  • Verify the complete address
  • Keep devices and email secure
  • Test recovery before relying on the wallet

Choose a wallet deliberately.

Convenience, key security, and provider dependence differ across wallet types.

Software wallet

Convenient for everyday use, with recovery and device security managed by you.

Hardware wallet

Separates key approval from your everyday device, while backups remain your responsibility.

Hosted exchange address

Depends on that provider's account, supported network, and deposit policies, even when you select it as the destination.

No wallet type removes the need to check current asset and network support. Choose for your own security needs and ability to maintain backups, not because someone is asking you to send them crypto.

Take one minute before you confirm.

Use the wallet receive screen and the Flow confirmation together. The asset, network, and pasted address must match.

  1. 01

    Check the network label

  2. 02

    Compare the first and last address characters

  3. 03

    Include any required memo or tag

  4. 04

    Reject last-minute address changes

Important: Flow Crypto support will never ask for a seed phrase or private key to verify a wallet.