Building a Deterministic Wallet Factory on Solana with Anchor

Introduction Payment processing platforms, exchanges, and custodial services face a common challenge: they need to generate unique deposit addresses for each user, then consolidate received funds into a central treasury. On EVM chains (Ethereum, Polygon, etc.), the standard approach uses CREATE2 or CREATE3 opcodes to deploy lightweight proxy contracts at deterministic addresses. On Solana, we achieve the same result using Program Derived Addresses (PDAs) -- and the result is more elegant, cheaper, and arguably more secure. This tutorial walks through building a complete Wallet Factory program on Solana using the Anchor framework. The program: Deploys deterministic wallet receiver accounts from a 32-byte identifier Sweeps native SOL with basis-point (BPS) distribution to multiple recipients Sweeps SPL tokens with the same BPS distribution model Supports atomic deploy-and-sweep in a single transaction Includes emergency recovery, pause/unpause, and relayer management By the end, you will