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 eleg