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All three modes are rows in the same table with the same lifecycle. mode is stored verbatim and echoed on every read, so you can branch on it directly.

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Open vs fixed amounts

Omit amount (or send "0") for an open session — the payer names the figure. Bound it with minAmount / maxAmount; both are ignored when amount is fixed. A checkout almost always fixes the amount, because you are billing for a specific thing. A deposit almost never does.

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Withdrawal is not just a reversed deposit

The connected wallet is the source, not the destination. So a withdrawal never offers the send-to-an-address flow, and the backend rejects a deposit-address mint on that mode — there is nothing to mint one for. Checkout destinations also use payout addresses: an allowlist of self-custody destinations the merchant proved control of by signing a challenge. Withdrawals are different: their recipient is supplied per session and is deliberately not checked against that checkout allowlist.