In today’s fast-evolving digital economy, seamless and secure transactions are more important than ever. Enter Pay — a next-generation smart wallet that enables instant, no-password payments through facial recognition. Built for speed, security, and simplicity, Pay supports effortless sending and receiving of USDC and USDT across major blockchain networks including X Layer, Tron, and Ethereum-compatible chains. Transactions via X Layer are completely free, making it an ideal solution for frequent transfers.
With advanced security features like passkey authentication, multi-signature authorization, and ZK-powered email recovery, Pay ensures users retain full control over their assets while minimizing friction. Whether you're transferring funds between exchange accounts or sending digital assets directly to on-chain wallet addresses, Pay streamlines the entire process.
Beyond payments, Pay integrates social features such as in-chat transfers and group red envelope creation — bringing the convenience of social gifting into the blockchain space. While external wallet withdrawals are supported, standard gas fees apply depending on network conditions.
Prerequisites for Activating Pay
Before you can start using Pay, ensure your account meets the following requirements:
- You have a successfully registered personal account on the platform
- Identity verification is completed
- A passkey has been created (Android devices must support Google services)
- The country used for identity verification is not restricted
- Your app is updated to the latest version (iOS 16+ or Android 7+ recommended)
Meeting these criteria ensures a smooth activation process and optimal performance.
Step-by-Step Guide to Activate Pay
Activating Pay is simple and intuitive. Follow these steps to get started:
1. Navigate to the Pay Homepage
Open the app and tap Exchange at the top of the screen. Then switch to Pay mode and click Get Started.
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Tip: Look for the “Exchange” tab to switch modes — this allows access to Pay.
Once in Pay, select “Get Started” to begin identity confirmation.
2. Activate Your Pay Account
On the Pay homepage, tap Activate Pay and complete the on-screen security verification. This may include facial recognition or passkey confirmation, depending on your device.
Click “Activate Pay” to initiate setup.
Complete the security check — usually facial scan or biometric login.
Once verified, full access to Pay features is unlocked.
After activation, you can immediately begin sending, receiving, and managing digital assets with enhanced speed and security.
Why Is a Passkey Required for Pay Activation?
Pay operates on a smart contract wallet architecture, which differs from traditional cryptocurrency wallets. This design enables advanced functionality but requires a unique authentication method — the passkey.
Here’s why it's essential:
- Each Pay account automatically generates a unique passkey during setup
- All transactions within Pay require authorization via this passkey
- It replaces traditional seed phrases and passwords with secure biometric or device-based authentication
This system enhances both security and usability, reducing the risk of human error while protecting against unauthorized access.
What’s the Difference Between Exchange and Pay Passkeys?
It’s important to understand that Exchange passkeys and Pay passkeys are entirely separate systems:
- Even if you’ve already set up a passkey for exchange login or transaction verification, you’ll need to create a dedicated passkey for Pay
- The Pay passkey is used exclusively for signing transactions within the Pay environment
- It does not grant access to your exchange account or vice versa
This separation ensures stronger security by isolating functions and minimizing cross-platform vulnerabilities.
Why You Should Avoid Third-Party Passkey Managers
While third-party password or key managers may seem convenient, they often lack the necessary safeguards for handling cryptographic passkeys securely.
Common risks include:
- No built-in warnings about irreversible actions like key deletion
- Limited integration with biometric systems (especially on iOS)
- Risk of accidental overwrite or loss due to improper backup procedures
These issues can result in permanent loss of access to your Pay wallet.
For maximum reliability, we strongly recommend using your device’s native passkey manager — such as Apple’s Passwords app (formerly iCloud Keychain) — which offers seamless integration, end-to-end encryption, and system-level protection.
Frequently Asked Questions (FAQ)
Q1: Is there a fee to use Pay?
Transactions made through X Layer are free of charge. However, transfers on other networks like Tron or Ethereum may incur standard gas fees, especially when sending to external wallets.
Q2: Can I send crypto from Pay to any wallet address?
Yes. Pay supports sending and receiving digital assets directly to and from on-chain wallet addresses. Just ensure you’re using a compatible network to avoid lost funds.
Q3: What happens if I lose my device?
Thanks to ZK-powered email recovery, you can regain access to your Pay account even if your phone is lost or damaged. Simply verify your identity through registered email channels.
Q4: Do I need to re-verify my identity every time I use Pay?
No. Once activated and verified, your identity remains linked to your Pay account. Future transactions only require passkey or biometric authentication (e.g., Face ID).
Q5: Can I disable Pay after activation?
Yes, you can deactivate Pay at any time through settings. However, deactivation will prevent you from using its fast-transfer and social gifting features until reactivated.
Q6: Is facial recognition mandatory?
Facial recognition is one of several supported authentication methods. Devices without Face ID may use fingerprint scanning or device passcodes, depending on compatibility.
Unlock the Future of Frictionless Payments
Pay represents a major leap forward in digital asset management — combining enterprise-grade security with consumer-friendly design. By leveraging cutting-edge technologies like passkeys, zero-knowledge recovery, and multi-signature signing, it delivers peace of mind without sacrificing speed.
Whether you're splitting bills with friends, gifting tokens during celebrations, or moving funds across platforms, Pay simplifies every interaction.
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With free X Layer transactions, cross-chain compatibility, and built-in social tools, Pay isn’t just a wallet — it’s a new way to engage with the digital economy.
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