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Possible integration!

Hello, guys! I'm one of the developer of exchange app and we have recently decided to integrate fio chain as one of the exchanging asset. Here's the problem that you might help us to solve. We need to generate new address per exchange to accept fio tokens or some sort of identification for users, but wallets and handles require some sort of transaction for authorization, is that right ?
Is there way to handle this kind of scenario without paying redundant fee ? We will not use handle system since we cannot guarantee, that user will eventually send deposit.
Big thanks, Alex