Only using EVM contracts to solve web2 platform recharge issues with comprehensive advantages

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Nowadays, CEX uses a very complex system to achieve payment collection, which requires precautions against issues such as key security.

I have a solution now, which is to type ETH/TOKEN to an address without changing user interaction, and then implement this set of functions only in the form of a contract, and it is very easy for developers to develop. I would like to ask, is there any significance in doing it, or is there anyone who needs it?

Only use contracts to implement the following functions and features

 getwalletadd(
    address Withdrawal_address,uint256 order/account/path
) public view return(address Payment_address)
//Get the address where users can make payments
//Withdrawal_address:It means the final payment address where eth/token goes.
//order/account/path:Transaction order or account ID on the web2 platform
//Payment_address:The address where consumers need to send money

imputationeth(address Withdrawal_address,uint256[] orders/accounts/paths)
//Collect Payment_address's eth to Withdrawal_address

User interaction habits have not changed during the entire process.
The secret key of Withdrawal_address is not required and eth can collect Withdrawal_address
And only contracts are used to ensure security. Only a single-digit interface is needed to access evm payment eth/token, and the gas fee is much lower than CEX. No maintenance costs required.