Funding Modes

Pollar supports three funding modes so the platform can decide when the user wallet is payment-ready.

Immediate

The wallet is created, sponsored and activated immediately, and configured trustlines are enabled. The user can transact in the same session. Use when you want the user to pay or use the wallet from the start.

Deferred

Only wallet metadata is created (returns wallet_id, address, pending_activation status). Activation (sponsor, reserves, trustlines) happens when the app calls activateWallet. Typical when:

• Activation depends on KYC, completed onboarding or first purchase.
• You want to control cost and not activate every account on sign-up.

The app controls when reserve spend happens; not every registered user gets immediate activation.

Manual

The app decides when to activate via explicit SDK or API calls. Useful for flows where an operator or internal process approves activation.

Planned API

type FundingMode = "immediate" | "deferred" | "manual";

createWallet({
  userId: string;
  fundingMode: FundingMode;
  assets?: string[];
}): Promise<{ walletId, address, status }>;

activateWallet({ walletId: string; assets?: string[] }): Promise<{ status: "active"; txHash }>;

See Deferred flow guide for the deferred flow step by step.