> ## Documentation Index
> Fetch the complete documentation index at: https://xaferapi.apacx.io/llms.txt
> Use this file to discover all available pages before exploring further.

# 系统支持存款模式

#### WaaS 系统支持以下两种存款模式

<div className="flex flex-col gap-7">
  {/* 共享地址模式卡片 */}

  <div className="bg-blue-50 p-6 rounded-xl border border-blue-200 shadow-sm">
    <div className="flex justify-between items-start">
      <div>
        <div className="font-bold text-xl flex items-center">
          <svg xmlns="http://www.w3.org/2000/svg" className="h-6 w-6 mr-2 text-blue-500" fill="none" viewBox="0 0 24 24" stroke="currentColor">
            <path strokeLinecap="round" strokeLinejoin="round" strokeWidth="2" d="M17 20h5v-2a3 3 0 00-5.356-1.857M17 20H7m10 0v-2c0-.656-.126-1.283-.356-1.857M7 20H2v-2a3 3 0 015.356-1.857M7 20v-2c0-.656.126-1.283.356-1.857m0 0a5.002 5.002 0 019.288 0M15 7a3 3 0 11-6 0 3 3 0 016 0zm6 3a2 2 0 11-4 0 2 2 0 014 0zM7 10a2 2 0 11-4 0 2 2 0 014 0z" />
          </svg>

          共享地址模式
        </div>

        <div className="text-sm text-gray-600 mt-1">所有客户使用同一个钱包地址进行存款</div>
      </div>

      <div className="bg-blue-100 text-blue-800 px-3 py-1 rounded-md text-sm font-medium">适合低频收款</div>
    </div>

    <div className="mt-4">
      <p className="font-medium text-gray-700">适用场景：</p>

      <ul className="list-disc pl-5 mt-2 space-y-1 text-gray-600">
        <li>收款频率较低的商户</li>
        <li>对资金安全性要求不高的商户</li>
      </ul>

      <p className="font-medium text-gray-700 mt-4">核心特点：</p>

      <ul className="list-disc pl-5 mt-2 space-y-1 text-gray-600">
        <li>客户使用<span className="font-semibold text-blue-700">统一的存款地址</span>进行充值</li>
        <li>需要通过<span className="font-semibold text-blue-700">充值金额的唯一性</span>区分客户/订单</li>
        <li>实现成本较低，无需创建大量独立地址</li>
      </ul>
    </div>
  </div>

  {/* 独立地址模式卡片 */}

  <div className="bg-indigo-50 p-6 rounded-xl border border-indigo-200 shadow-sm">
    <div className="flex justify-between items-start">
      <div>
        <div className="font-bold text-xl flex items-center">
          <svg xmlns="http://www.w3.org/2000/svg" className="h-6 w-6 mr-2 text-indigo-500" fill="none" viewBox="0 0 24 24" stroke="currentColor">
            <path strokeLinecap="round" strokeLinejoin="round" strokeWidth="2" d="M3 10h18M7 15h1m4 0h1m-7 4h12a3 3 0 003-3V8a3 3 0 00-3-3H6a3 3 0 00-3 3v8a3 3 0 003 3z" />
          </svg>

          独立地址模式
        </div>

        <div className="text-sm text-gray-600 mt-1">为每个客户分配独立的钱包地址</div>
      </div>

      <div className="bg-indigo-100 text-indigo-800 px-3 py-1 rounded-md text-sm font-medium">适合高频收款</div>
    </div>

    <div className="mt-4">
      <p className="font-medium text-gray-700">适用场景：</p>

      <ul className="list-disc pl-5 mt-2 space-y-1 text-gray-600">
        <li>收款频率较高的商户</li>
        <li>对资金安全性要求较高的商户</li>
      </ul>

      <p className="font-medium text-gray-700 mt-4">核心特点：</p>

      <ul className="list-disc pl-5 mt-2 space-y-1 text-gray-600">
        <li>每个客户拥有<span className="font-semibold text-indigo-700">独立的钱包地址</span></li>
        <li><span className="font-semibold text-indigo-700">无需通过金额</span>区分客户/订单</li>
        <li>增强资金安全性，支持更灵活的钱包管理</li>
        <li>需要对资金进行归集操作</li>
      </ul>
    </div>
  </div>
</div>

#### 功能对比分析

<div className="overflow-x-auto bg-white rounded-lg">
  <table className="w-full text-sm ">
    <thead className="bg-gray-50 border border-gray-200">
      <tr>
        <th className="py-2 px-3 text-left font-bold text-black border-b border-gray-200">细分功能</th>
        <th className="py-2 px-3 text-center font-bold text-black border-b border-gray-200">共享地址模式</th>
        <th className="py-2 px-3 text-center font-bold text-black border-b border-gray-200">独立地址模式</th>
      </tr>
    </thead>

    <tbody className="divide-y divide-gray-100 border border-gray-200">
      <tr className="hover:bg-gray-50">
        <td className="py-2 px-3 text-gray-800">资金归集操作</td>

        <td className="py-2 px-3 text-center">
          <span className="text-green-600 font-medium">无需归集</span>
        </td>

        <td className="py-2 px-3 text-center">
          <span className="text-red-500 font-medium">必须归集</span>
        </td>
      </tr>

      <tr className="hover:bg-gray-50">
        <td className="py-2 px-3 text-gray-800">客人独立钱包</td>

        <td className="py-2 px-3 text-center">
          <span className="text-red-500 font-medium">否，共享地址</span>
        </td>

        <td className="py-2 px-3 text-center">
          <span className="text-green-600 font-medium">是，每人独立地址</span>
        </td>
      </tr>

      <tr className="hover:bg-gray-50">
        <td className="py-2 px-3 text-gray-800">归集成本</td>

        <td className="py-2 px-3 text-center">
          <span className="text-green-600 font-medium">无成本</span>
        </td>

        <td className="py-2 px-3 text-center">
          <span className="text-red-500 font-medium">有归集成本</span>
        </td>
      </tr>

      <tr className="hover:bg-gray-50">
        <td className="py-2 px-3 text-gray-800">随意更换钱包</td>

        <td className="py-2 px-3 text-center">
          <span className="text-red-500 font-medium">不方便</span>
        </td>

        <td className="py-2 px-3 text-center">
          <span className="text-green-600 font-medium">方便</span>
        </td>
      </tr>

      <tr className="hover:bg-gray-50">
        <td className="py-2 px-3 text-gray-800">风险通知</td>

        <td className="py-2 px-3 text-center">
          <span className="text-green-600 font-medium">支持</span>
        </td>

        <td className="py-2 px-3 text-center">
          <span className="text-green-600 font-medium">支持</span>
        </td>
      </tr>

      <tr className="hover:bg-gray-50">
        <td className="py-2 px-3 text-gray-800">风险管控</td>

        <td className="py-2 px-3 text-center">
          <span className="text-red-500 font-medium">不支持</span>
        </td>

        <td className="py-2 px-3 text-center">
          <span className="text-green-600 font-medium">支持</span>
        </td>
      </tr>

      <tr className="hover:bg-gray-50">
        <td className="py-2 px-3 text-gray-800">收银台支持</td>

        <td className="py-2 px-3 text-center">
          <span className="text-green-600 font-medium">支持</span>
        </td>

        <td className="py-2 px-3 text-center">
          <span className="text-green-600 font-medium">支持</span>
        </td>
      </tr>

      <tr className="hover:bg-gray-50">
        <td className="py-2 px-3 text-gray-800">存款便捷性</td>

        <td className="py-2 px-3 text-center">
          <span className="text-red-500 font-medium">不方便，需要小数金额</span>
        </td>

        <td className="py-2 px-3 text-center">
          <span className="text-green-600 font-medium">方便，任意金额</span>
        </td>
      </tr>
    </tbody>
  </table>
</div>