A fully integrated Web3 smart wallet with password-free access, Pay account allows you to quickly and seamlessly send and receive crypto across several Ethereum-compatible networks. For added security, it also includes a recovery feature to ensure you don't get locked out of your assets.

On-chain transfers cannot be reversed if sent to the wrong address or network.FAQs Are internal transfers between OKX Pay and Funding balance free? Yes. No fees apply to transfers between OKX Pay and your Funding balance. Which assets are supported? USDG, USDT, and USDC on X Layer. Why use X Layer for on-chain deposits? X Layer carries zero gas fees for these assets. Other networks (such as Ethereum or Tron) may charge gas fees. Need more help? Contact Support

Pay is a smart wallet that enables password-free and facial-recognition payments. It allows you to seamlessly send and receive USDG, USDC and USDT across X Layer, Tron, and major Ethereum-compatible networks. Sending via X Layer incurs no additional fee. To enhance security, Pay incorporates advanced technologies such as passkeys, multi-signature authorization, and ZK Email recovery—ensuring you retain full control over your funds.