How do I activate my Pay?

Published on Jan 22, 2026Updated on Jan 22, 20262 min read

Pay is a dual-custody wallet that enables password-free and facial-recognition payments. This wallet keeps you in control by requiring your approval for every transaction, adding an extra layer of security. It also allows you to seamlessly send and receive USDC and USDG on X Layer. 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.

Additionally, Pay accounts support fund transfers between Pay account and exchange accounts.

What are the requirements to activate Pay?

  • A successfully registered personal account on our platform.

  • Completed identity verification on the platform.

  • Successful creation of a passkey (Android devices must support Google services).

  • The country used for identity verification must not be on the restricted list here.

  • The app must be updated to the latest version (Recommended: iOS 16+ and Android 7+).

You can activate Pay by following these steps:

How do I activate it?

  1. Go to Simple mode and select Pay from the main menu

  2. Complete the security verification by selecting the Verify now option

  3. Select Get started, and set up a secure passkey and you're all set!

Why do I need to create a passkey to activate my Pay account?

  • Pay accounts are based on smart contract wallet architecture.

  • Creating a Pay account automatically generates a unique passkey.

  • All transactions in Pay mode require user authorization via this passkey.

What's the difference between Pay Passkey and Exchange Passkey?

  • These are two distinct and independent passkey systems.

  • If you’ve previously set up a passkey for exchange account login or transaction verification, you’ll still need to create a separate passkey for Pay.

  • The Pay passkey is solely used for signing transactions within the Pay environment.

Third-party passkey management apps sometimes lack the advanced risk reminder and safeguards needed for secure passkey operations. This can lead to issues such as accidental deletion or passkeys being overwritten—making recovery difficult or even impossible.

These risks are especially relevant for users on Apple devices, where compatibility and system integration are critical. To ensure the best security and reliability, we strongly recommend using the native passkey management tool called Passwords to create, store, and manage your passkeys.

Learn more about Pay Passkey here.