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Memo 0x92f6a5e4…5e27a9 on Ethereum

I am experienced with wallets. Based on your statement, I would envision the script you're describing would simply make RPC calls to the wallet, which would result in your ERC20 smart contract being called to manage the deposits and withdrawls. I'd of course need more information, but orchestrating this sort of thing in a secure manner is fairly straightforward.