# Resolve & Accept Payments

## Overview

Once your master is registered, you can derive unlimited deposit addresses offchain by combining your
`masterId` with a per-customer `userTag`. TIP-20 transfers to any of these addresses credit your
master wallet automatically. You can also resolve a virtual address to confirm where it forwards
before relying on it.

[See the Virtual Addresses specification](https://docs.tempo.xyz/protocol/tip20/virtual-addresses)

## Recipes

These recipes assume you have [set up a Tempo client](/tempo).

### Derive a Deposit Address

Build a virtual address from your `masterId` and a per-customer `userTag` with `VirtualAddress.from`.
This is fully offchain, so deriving a new deposit address costs nothing.

:::code-group
```ts twoslash [example.ts]
import { VirtualAddress } from 'viem/tempo'
import { client } from './viem.config'

const depositAddress = VirtualAddress.from({
  masterId: '0x58e21090',
  userTag: '0x010203040506',
})
```

```ts twoslash [viem.config.ts] filename="viem.config.ts"
// [!include ~/snippets/tempo/viem.config.ts:setup]
```
:::

### Resolve a Virtual Address

Confirm where a virtual address forwards with
[`virtualAddress.resolve`](/tempo/actions/virtualAddress.resolve). It returns the master wallet a
TIP-20 transfer would credit.

:::code-group
```ts twoslash [example.ts]
import { client } from './viem.config'

const recipient = await client.virtualAddress.resolve({
  address: '0x58e21090fdfdfdfdfdfdfdfdfdfd010203040506',
})
```

```ts twoslash [viem.config.ts] filename="viem.config.ts"
// [!include ~/snippets/tempo/viem.config.ts:setup]
```
:::

## Best Practices

### Use a Unique User Tag per Customer

The `userTag` is how you attribute an incoming deposit to a customer. Assign each customer a distinct
tag and store the mapping so you can reconcile forwarded deposits against the master wallet.

### Only Send TIP-20 Tokens

Forwarding applies only to TIP-20 transfers. Non-TIP-20 tokens (such as plain ERC-20 contracts) sent
to a virtual address are credited to the literal address and are not recoverable. Restrict deposit
addresses to TIP-20 stablecoins.

### Don't Use Virtual Addresses in Policies

Virtual addresses are forwarding aliases, not canonical holders. Configure [receive policies](/tempo/guides/receive-policies)
and other access controls on the resolved master address, not on a virtual alias.

## See More

<Cards>
  <Card icon="lucide:user-plus" title="Register a Master Address" description="Register the master your deposit addresses forward to." to="/tempo/guides/virtual-addresses/register" />

  <Card icon="lucide:shield-check" title="Receive Policies" description="Control who can pay your resolved master address." to="/tempo/guides/receive-policies" />

  <Card icon="lucide:square-function" title="virtualAddress.resolve" description="Resolve a virtual address to its master wallet." to="/tempo/actions/virtualAddress.resolve" />

  <Card icon="lucide:book-open" title="Tempo Docs: Virtual Addresses" description="Address derivation and TIP-20 deposit forwarding." to="https://docs.tempo.xyz/protocol/tip20/virtual-addresses" />
</Cards>