The coins go into your own Binance Wallet, which is the self-custody wallet built into the Binance App, not your spot account or funding account. The tokens you buy will appear at the on-chain address of your Binance Wallet. You can transfer them to other compatible wallets or sell them directly using the Swap feature inside Binance Wallet.
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First, make sure which feature you are using
"Buying crypto with Binance Pay Onchain inside the wallet" usually means the DEX trading feature in Binance Wallet. You buy on-chain tokens on a decentralized exchange (DEX), but the payment is taken directly from your Binance spot account or funding account through Binance Pay. You do not need to manually withdraw funds to an external wallet first.
This is different from Binance Pay's "Send On-Chain" feature. Send On-Chain is when you send coins from your Binance account to an external on-chain address. Its purpose is transfer, not buying crypto. In addition, Binance Pay Onchain also has integrations for Web3 platforms such as Trust Wallet and MetaMask. In those apps, users can choose Binance as the payment method to buy crypto, and the coins go to that external wallet instead of Binance Wallet. The situation in your title, "buying with Binance Pay Onchain inside the wallet", most likely refers to the first case.
Where the money is deducted from and where the coins go
Payment deduction: Binance Pay deducts stablecoins such as USDC or native tokens such as SOL from your spot account or funding account. On-chain transactions currently only support payment with stablecoins or native tokens.
Automatic conversion: If you do not have the required stablecoin or native token in your account, the system will first automatically convert other assets you hold into stablecoins, and then into the target asset. For example, if you pay with BTC, the path may be BTC → USDC → SOL.
Coin ownership: After the transaction succeeds, the purchased tokens are automatically transferred to your Binance Wallet address. This address is the on-chain address of the self-custody wallet inside the Binance App. You can treat it like a normal Web3 wallet.
Failed transaction: If the transaction does not succeed, you will receive a stablecoin refund. Note one detail: if you originally used a non-stablecoin asset, the refund will still be returned in stablecoin form, and your stablecoin will not be converted back to the original asset.
How to confirm the coins have arrived after buying
Go to the Wallet page in the Binance App and check the token balance on the corresponding chain. You can confirm it using the built-in browser or asset list in Binance Wallet. If the token does not appear automatically, you may need to manually add the token contract address, which should be obtained from official channels.
After confirming that the coins have arrived, you have several options: keep them in Binance Wallet, transfer them to another compatible wallet, or sell them using the Swap feature inside Binance Wallet.
One condition to check in advance
Binance Pay is not available in some countries and regions, including the United States, Canada, Singapore, Japan, the United Kingdom, and the United Arab Emirates. This is not about whether you can access Binance from your network, but whether this specific service, Binance Pay, is available in your account's region.
If you cannot see the Binance Pay entry in the Binance App, or if you get a notice that the DEX trading feature is unavailable, it is usually caused by regional restrictions. This list can change, so refer to Binance's official supported regions page for the latest information.
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If you are operating in an external wallet
If the "wallet" you mean is an external self-custody wallet such as Trust Wallet or MetaMask, and you choose Binance as the payment method to buy crypto there, the coins will go to the address of that external wallet, not through Binance Wallet. These two paths end at different destinations. Before you operate, confirm whether you are using the wallet inside the Binance App or an external wallet application.
