Help me handle web3 deposits in a centralised manner

Job ID: 34650668

Budget: $30 – $250 USD

I'm looking for a blockchain advisor who has previously worked handling web3-like deposits (native and ERC-20 tokens) in a centralized wallet. I'm specifically looking for an integration with ETH and BSC.

Options I've considered so far:
- Third-party webhooks services that notify my server when a deposit arrives. Problem: They are either too expensive (cryptoapis.io) or do not have BSC, just ETH (Alchemy).
- Parse every block and detect addresses involving one of our users. Problem: this looks considerably resource intensive.
- Using smart contracts. Problem: Compatibility issues from services vs. bare addresses, more complex integration.

As a clarification, I'm not looking for any actual implementation, just advice on a proper approach.
Related categories: Blockchain Ethereum Binance Binance Smart Chain Web3.js