How can I send payments in IM on Pay?

Published on Apr 28, 2025Updated on May 8, 20252 min read1

Pay lets you send crypto to friends quickly, securely, and with zero fees, all on our X Layer network. Payments are even more seamless with our instant messaging (IM) feature.

For group chats, you can send crypto using gifts instead.

Step 1: Start a chat with a friend

  • Open the Chat page in Pay

  • Tap the plus (+) icon at the top right corner

  • Select New chat

  • Choose a friend to start a chat with — you can add them by their phone number, or sync your phone contacts to see who's already on OKX

Step 2: Send crypto using Pay

Once your chat is set up, sending crypto is easy:

  • In the chat, tap the plus (+) icon at the bottom right

  • Select Pay

  • Set the amount and currency you’d like to pay with

  • Tap Pay to complete the transfer

Your friend will need to accept the payment before it expires — otherwise, it’ll be returned to you.

Learn more about Pay here, the new way to send crypto.

Disclaimer
This content is provided for informational purposes only and may cover products that are not available in your region. It is not intended to provide (i) investment advice or an investment recommendation; (ii) an offer or solicitation to buy, sell, or hold crypto/digital assets, or (iii) financial, accounting, legal, or tax advice. Crypto/digital asset holdings, including stablecoins and NFTs, involve a high degree of risk and can fluctuate greatly. You should carefully consider whether trading or holding crypto/digital assets is suitable for you in light of your financial condition. Please consult your legal/tax/investment professional for questions about your specific circumstances. Information (including market data and statistical information, if any) appearing in this post is for general information purposes only. While all reasonable care has been taken in preparing this data and graphs, no responsibility or liability is accepted for any errors of fact or omission expressed herein. Both OKX Web3 Wallet and OKX NFT Marketplace are subject to separate terms of service at www.okx.com.

© 2025 OKX. This article may be reproduced or distributed in its entirety, or excerpts of 100 words or less of this article may be used, provided such use is non-commercial. Any reproduction or distribution of the entire article must also prominently state: “This article is © 2025 OKX and is used with permission.” Permitted excerpts must cite to the name of the article and include attribution, for example “Article Name, [author name if applicable], © 2025 OKX.” No derivative works or other uses of this article are permitted.