Hello,
This has nothing to do with which coin adapter you use.
Users do not need to create wallets, they automatically have wallets for all connected adapters that are in a “Responding” state.
You, as an admin, need to make sure that the role or roles your users have have the necessary capabilities, including has_wallets. Visit the Wallets -> Capabilities admin screen to learn more and to make the changes. Usually the users have the Subscriber role which does not have the has_wallets capability by default.
kind regards