What is the info you need?
First you need to choose one of the two alternatives.
If choosing 1, generate a keypair for each customer and fund them on demand, storing the keypair somewhere in your databases (if you're storing large amounts of XLM you may consider other security measures).
If choosing 2, you must do all your internal bookeeping in your own way, your own database of users, then rely on MEMO fields of transactions for interfacing with the external world.
