Here is the short answer: cross-chain aggregators generally will not block you if you enter a contract address as the receiving address. They only execute the operation based on the format you submit. They do not actively check whether the address is a personal wallet or a smart contract.
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Most cross-chain aggregators are designed this way: as long as the address you submit matches the on-chain address format for that network, such as a 42-character string starting with 0x on Ethereum-based chains, the system will accept it. It does not perform a hard block based on whether the address is a normal wallet address or a contract address.
Why do aggregators not block it?
From a technical implementation perspective, a cross-chain aggregator is only responsible for moving assets from the source chain to the specified address on the destination chain. Its job is to complete the transfer, not to perform address compliance checks.
Even withdrawal functions on centralized exchanges can only check whether the address format is correct. They cannot tell the difference between address types. As a decentralized protocol, a cross-chain aggregator has even less built-in logic for blocking contract addresses. This is similar to what happens when you sell tokens to a contract address during a DEX trade: the system only recognizes the format, not the purpose.
What happens to your funds if you enter a contract address as the receiving address?
There are two possible situations:
Case A: The contract address on the destination chain does not support receiving that asset
If the contract itself has not implemented a function to receive tokens, the cross-chain transaction may show as successful on the source chain, but it will fail on the destination chain because the contract refuses to receive the asset. The funds may be returned to the source chain, or they may get stuck in the cross-chain bridge contract. In this case, you need to contact the cross-chain bridge support team.
Case B: The contract address on the destination chain can receive the asset, for example if it is a multisig wallet or a token contract
The asset will successfully arrive at that contract address on the destination chain, but you will not control the asset. You do not hold the private key for the contract address. It is like putting your money into a safe that you do not have the key to.
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Recommended steps
Before confirming a cross-chain transaction, take 3 seconds to double-check two things:
Make sure the receiving address is your own wallet address, not a contract address you copied from some DApp page.
If this is your first time sending to this address, send a very small test amount first to verify the process before making a large transfer.
How to verify after the operation is complete: After the transaction is finished, enter your receiving address in the block explorer on the destination chain. If the balance has increased and the page confirms that the Contract Creator field for that address is empty, then the address type is correct and the funds have arrived properly.
