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Each unique payment begins with a new onchain address called a one-time wallet (OTW) also known as the deposit address. The OTW is always different from the payment destination address. The Payments SDK widget UI refers to the OTW as a “one-time wallet” in the delivery details section. Each onramp or swap will create a new OTW that is controlled only by the owner wallet address specified in the API call parameters. In the event a payment gets stuck or is funded after expiration, the owner address has the ability to sign transactions to recover the assets from the OTW or retry the payment. A payment can be initiated by simply funding the OTW from any address. For fiat onramps specifically, the onramp providers will be instructed to send tokens to the deposit address after the user authorizes their fiat payment. Using the OTW to encapsulate each unique payment enables the workflow protocol to orchestrate payments in a compliant and non-custodial manner.