Deposit USD into Exodus Pay and use it to pay for all your daily needs. Send money to friends and family, anywhere, anytime.
Exodus Pay is available globally. Some features require verification to use.
Additional Exodus Pay features will be added here as they become available.
In this article:
What is Exodus Pay?
Exodus Pay is a way to deposit, send, and spend money directly from your Exodus crypto wallet.
You can deposit USD, spend money online or in-store, and send cash to anyone, anytime.
Because it’s self-custodial, you retain full control of your funds.
Where is Exodus Pay available?
Exodus Pay is available globally.
Access to certain features depends on whether identity verification is supported for your location. If identity verification is not supported, you will not be able to access certain Exodus Pay features, such as the Exodus Card, depositing cash, and earning rewards.
Currently, identity verification for Exodus Pay is only supported in the following countries.
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* At this time, new card issuance is not available for users in the United States. Existing US users can continue to use their Exodus Card as usual.
How do I get started with Exodus Pay?
You can access Exodus Pay from your Exodus wallet.
In Exodus Mobile, a) tap the Wallet icon, then b) swipe down to go to the profile screen.
Tap Exodus Pay.
Tap Agree and continue.
Tap a) the gift icon or b) Start.
Complete each step in any order:
After you complete all the steps, the rewards screen and gift icon will no longer be visible.
Once you've created and verified your account, you'll receive your reward in Exodus Pay.
The $5 account setup reward is only available in supported regions.
How do I create my account?
From the reward screen, tap Create account.
a) Enter your phone Enter your phone number, then b) tap Send code.
Enter the verification code from the SMS sent to your phone.
Once your phone number is verified, a) enter your preferred name, then b) tap Continue.
Once your phone number is verified, you'll see a welcome screen.
After creating an Exodus Pay account, you'll be able to send cash, invite contacts, and more.
How do I protect my account?
You’ll protect your Exodus Pay account by creating and using a passkey. Before setting up a passkey, make sure your device supports passkeys and is properly configured to use them.
Before you begin, you need to be:
iOS: logged in to your Apple account, have a passcode, Face ID or Touch ID, 2FA, and passkeys enabled
Android: logged in to your Google account and have passkeys enabled on your device
For details on how to enable this on your device, visit: What do I need to enable to back up with iCloud or Google Drive?
iOS
From the reward screen, tap Protect your account.
Tap Create Passkey.
a) Choose your preferred passkey manager, then b) tap Add Passkey.
If you are unable to continue because you haven't enabled passkeys, then follow these steps: What do I need to enable to back up with iCloud or Google Drive?
Once created, you'll see that your passkey was successfully added.
To learn more about protecting your Exodus Pay account, visit: How do I keep Exodus Pay secure?
Android
From the reward screen, tap Protect your Account.
Tap Allow access.
If you are unable to continue because you haven't enabled passkeys, then follow these steps: What do I need to enable to back up with iCloud or Google Drive?
Choose the Google account you want to back up your wallet with.
The Google account you select will be used to store the backup file in Google Drive.
Once created, you'll see that your passkey was successfully added.
To learn more about protecting your Exodus Pay account, visit: How do I keep Exodus Pay secure?
How do I add friends?
iOS
From the reward screen, tap Add friends.
You will be prompted to allow Exodus access to your contacts. Tap Continue.
Select either a) Select Contacts to choose individual contacts from your list or b) Share All... Contacts for all your contacts.
Android
From the reward screen, tap Add friends.
You will be prompted to allow Exodus access to your contacts. Tap Allow.
How do I stay connected?
Follow the steps below for iOS or Android to turn on device notifications and get updates on your activity:
iOS
From the reward screen, tap Stay connected.
You will be prompted to allow Exodus to send you notifications. Tap Allow.
Android
From the reward screen, tap Stay connected.
You will be prompted to allow Exodus to send you notifications. Tap Allow.
How do I verify my account?
To use Exodus Pay features like depositing cash, the Exodus Card, and earning rewards, you'll need to verify your identity. To complete the verification process, follow these steps:
From the reward screen, tap Verify your account.
Tap Start.
a) Enter your email address, and b) tap Continue.
a) Check your email application for the 6-digit code to verify your email. If the code does not arrive, b) tap Resend Email.
Next, you will verify your identity through Veriff. Tap Let's go!
After confirming your identity with Veriiff, you'll return to Exodus Pay. a) Select your country of residence from the dropdown. b) If you're located in the US, enter your Social Security number (SSN). If you're located outside the US, enter your tax ID number. c) Tap Continue.
In some instances, additional information is needed. a) Enter your residential address, then b) tap Continue.
If you do not see this screen, skip to step 8.
Your verification is in progress. To return to the reward screen, tap OK.
Once your verification is complete, you'll have access to all Exodus Pay features.
How do I get my Exodus Card?
To spend cash anywhere Visa or Mastercard is accepted, activate your Exodus Card by following these steps:
If you already use an Exodus Spend Card, you'll need to migrate it to Exodus Pay. To learn how, visit: How do I migrate my Spend Card to the Exodus Card?
Your Exodus Card uses your XO Cash (XO) balance to pay for transactions.
From the reward screen, tap Activate your card.
This takes you to the card screen. Tap Start.
Tap Start to read the slides about the Exodus Pay debit card.
a) Tap links to read the Terms of service and Privacy Policy, then b) tap Continue to accept.
To provide your electronic signature consent, tap Continue.
Tap Continue to open and read the Privacy Policy and Cardholder Agreement.
Once activated, you can receive a $5 reward. The $5 account setup reward is only available in supported regions.
You can now enter your card details at checkout for online purchases, or use a supported digital wallet in-store.
To add your Exodus Card to a digital wallet, tap Add to Apple Wallet (iOS) or Add to Google Wallet (Android).
Now that your Exodus Card is ready, you can start spending your cash anywhere Visa or Mastercard is accepted. To learn more, visit: How do I spend cash with my card?
How do I deposit cash?
You can add USD to Exodus Pay in several ways, including receiving cash from others, depositing USDC and USDT, and purchasing XO using Apple Pay or a debit card.
Some deposit methods have a minimum amount which is shown in Exodus Pay. When you're depositing USDC and USDT, if you deposit less than the minimum amount, you may need to deposit additional funds so the total meets or exceeds the minimum before the funds appear in your balance.
For step-by-step instructions, visit the following sections:
Debit card
You can only have one debit card associated with your Exodus Pay account at a time. To learn more, visit: How do I change my debit card details?
To connect a debit card, you need to have completed verification.
When you deposit using a debit card, you’re purchasing XO on the Solana network. To buy XO with a debit card, follow these steps:
On the home screen, tap Deposit.
Tap Debit card.
Currently, only debit cards are supported.
If you haven't verified your Exodus Pay account, you will be asked to do so before you can proceed.
a) Enter the card details below and b) tap Add.
Card number
Expiration date of the card
CVC number
If you are unsure of this information, please contact your card issuer for assistance.
Once added, a) enter the amount you want to deposit, b) check the associated fees, and c) tap Continue.
a) Enter the CVC number, then b) tap Confirm.
Debit card deposits may take a few minutes to appear in your balance.
Depending on your location, you may be connected to a third-party API provider to complete the deposit. Continue following the steps on the screen.
You'll be asked to enter an email address, physical address, and your debit card information.
You'll be able to review the fees before completing the payment.
Once complete, you'll see that your deposit was successful.
Apple Pay (iOS only)
When you deposit using Apple Pay, you’re purchasing XO on the Solana network. To buy XO with Apple Pay, follow these steps:
On the home screen, tap Deposit.
Tap Apple Pay.
If you haven't already verified your Exodus Pay account, you will be asked to do so before you can proceed.
a) Enter the amount you want to deposit and c) tap Continue.
Depending on your location, you may be connected to a third-party API provider to power the deposit. Continue following the steps on the screen.
You'll be asked to enter an email address and physical address.
You'll be able to review the fees before completing the payment.
When you're prompted to pay with Apple Pay, a) select your payment option, then b) confirm with the side button.
Once complete, you'll see that your deposit was successful.
Request USD
To request USD from friends and others, follow these steps:
On the home screen, tap Deposit.
a) Tap Request.
a) Enter the amount you're requesting or b) tap Custom amount to allow the sender to choose an amount. When ready, c) tap Continue.
Here, you will a) see your address as a QR code that you can b) share with the sender.
USDC and USDT
You can deposit USDC or USDT from either your Exodus crypto wallet or from external wallets.
Deposit from your Exodus crypto wallet
Depositing USDC and USDT from your Exodus crypto wallet is only supported on the Solana and Ethereum networks.
You won’t see the option to deposit with Exodus if your Exodus crypto wallet doesn’t hold USDC or USDT on Solana or Ethereum. To deposit from an external wallet, visit: Deposit from external wallet (skip to Step 4).
You can deposit USDC or USDT on Solana or Ethereum from your Exodus crypto wallet. When you deposit, your USDC or USDT is converted into XO Cash, which you can use in both Exodus Pay and your Exodus crypto wallet.
To deposit USDC or USDT on Solana or Ethereum from your Exodus crypto wallet, follow these steps:
On the home screen, tap Deposit.
Tap stablecoins.
Tap Your Exodus Wallet.
a) Select between USDC and USDT, and b) tap the asset.
Deposits must be at least 10 USDC or 10 USDT to appear in your balance. If you deposit less, you will need to make an additional deposit so the total meets or exceeds the minimum
When you deposit USDC or USDT on Solana or Ethereum, Exodus will automatically convert the funds to XO Cash (XO) in the background.
a) Enter the amount you want to deposit or b) tap Remaining to deposit all. When ready, b) tap Continue.
Once complete, you'll see that your deposit was successful.
Deposit from external wallet
You can deposit USDC or USDT from other crypto wallets. When you deposit, your USDC or USDT is converted into XO Cash, which you can use in both Exodus Pay and your Exodus crypto wallet.
To deposit USDC or USDT from an external wallet to Exodus Pay, follow these steps:
On the home screen, tap Deposit.
a) Tap Stablecoins.
Tap External Wallet.
By default, USDC on Solana is shown. To choose a different network or stablecoin, a) tap the token dropdown menu. b) Select between USDC and USDT, then c) choose your preferred network.
Deposits must be at least 10 USDC or 10 USDT to appear in your balance. If you deposit less, you will need to make an additional deposit so the total meets or exceeds the minimum.
When you deposit USDC or USDT, Exodus will automatically convert the funds to XO Cash (XO) in the background.
From here, you can:
a) See your USDC Solana address as a QR code
b) Tap on the dropdown to view your address.
c) Tap on the clipboard icon to copy your address.
Which networks are supported for depositing stablecoins?
The following networks are supported for USDC and USDT deposits in Exodus Pay:
USDC (USDC):
Ethereum (ETH)
Solana (SOL)
Tether (USDT):
Ethereum (ETH)
Solana (SOL)
How do I spend cash with my card?
Once you have set up your Exodus Card, you can use it like a regular debit card to make purchases.
You can pay online.
Enter your Exodus Card details at checkout, including your card number, expiration date, and security code.
You can pay in-store.
Use your Exodus Card in-store with a digital wallet (Apple Pay or Google Pay). Hold your device near the payment terminal to complete your purchase.
How does it work?
When you make a purchase, your Exodus Pay balance is used to fund the transaction. Payments are processed like standard card payments, so you can use your card anywhere your card network is accepted.
There are several ways to top up your balance. To learn more, visit: How do I deposit cash?
To learn more about using your card, visit: How do I manage my Exodus Pay card?
What are the spending limits for the Exodus Card?
The Exodus Card has the following daily limits:
$15,000 USD for debit card purchases
Follow the steps below to view how much of the daily limit you've spent:
a) Tap on the card icon, then b) swipe up or c) tap your card.
Tap Settings.
Here you can see how much of your daily limit you've used.
What exchange rate is used for purchases?
The Exodus Card uses your Exodus Pay balance in XO Cash, a USD-backed stablecoin. When you use your card in a different currency, the transaction is converted from USD using the exchange rate set by the card network and payment processor.
The exchange rate is determined at the time of purchase and may vary depending on market conditions and network conversion rates.
Use the tool that matches the payment network shown on your Exodus Card to estimate foreign exchange rates:
These tools provide estimated rates for informational purposes only, and they do not guarantee a specific rate. The final exchange rate applied may differ depending on the time of purchase and network conversion rates.
Exchange rates may also differ from those shown on other platforms
What should I know when using my Exodus Card?
PINs: The Exodus Card does not currently support a PIN. If you are prompted to enter a PIN at a payment terminal, you may be able to continue by pressing the confirmation button without entering a PIN, depending on the merchant and transaction type.
Pre-authorization charges: Some merchants may use pre-authorization charges, which are temporary holds on part of your available balance, to confirm that a card is valid and has sufficient funds.
You must also have enough available balance to cover the pre-authorization, or the transaction may fail. In some cases, the pre-authorization charge can exceed the amount you're spending. Any unused funds are credited back to your card, typically within 48 hours.
Pre-authorization charges are only supported if your Exodus card was issued in the US. International cards do not currently support pre-authorizations.
Physical cards: Your Exodus Card is currently available only as a virtual card. Physical cards are not available, and ATM withdrawals are not supported.
Terminal Payments: In some countries, such as Brazil and other parts of Latin America, international and prepaid cards can only be processed as credit. If the payment terminal is set to debit, the transaction may fail or require a PIN. Ask the merchant to select credit instead.
Refunds and credits: If you receive a refund, credit, or transaction reversal, the amount will be credited back to your Exodus Card.
You can see your credits in the banner under your card details. Your credits will be used first for future purchases. To learn more, visit: How do I view my credits from refunds?
How do I send cash?
When you send cash, you’re sending XO on the Solana network.
In Exodus Pay, tap Pay.
a) Select who you want to send cash to from your existing contacts, or b) use the QR scanner to scan the recipient’s QR code.
For a guide on adding a contact to your contact list, visit: How do I add a new contact?
a) Enter the amount you want to send or b) tap Remaining to send all. When ready, b) tap Continue.
Review the transaction details and slide to the right to pay.
How do I withdraw as a stablecoin?
In your Exodus crypto wallet, you can sell your XO Cash (XO) and have the funds deposited into your bank account. For more information, visit: How do I sell crypto with MoonPay in Exodus?
In Exodus Pay, tap Pay.
Tap the menu icon in the top left.
Tap Withdraw.
By default, USDC on Solana is shown. To choose a different network or stablecoin, a) tap the token dropdown menu. b) Select between USDC and USDT, then c) choose your preferred network.
When you withdraw, Exodus will automatically convert your XO Cash (XO) to USDC or USDT.
a) Tap to paste the destination address, or b) tap to scan the destination address QR code. When ready, tap Continue.
a) Enter the amount you want to send or b) tap Remaining to send all. When ready, b) tap Continue.
a) Review the transaction details. If everything looks good, b) slide to the right to send your stablecoin.
Once complete, you'll see that your withdrawal was successful.
Which networks are supported when withdrawing stablecoins?
The following networks are supported for USDC and USDT withdrawals in Exodus Pay:
USDC (USDC):
Ethereum
Solana
Tether (USDT):
Ethereum
Solana
What are rewards in Exodus Pay?
Additional features, such as converting rewards, are coming soon.
Rewards earned in Exodus Pay are not interest or yield.
In Exodus Pay, rewards are points you earn for using your account.
Rewards are based on your balance activity and spending with your Exodus Card.
To see your rewards in Exodus Pay a) tap on the rewards icon and b) view the amount you have earned.
How can I see rewards on past purchases?
You can see reward points on past purchases in your Exodus Card purchase history and purchase details.
a) Tap on the card icon, then b) swipe up or c) tap your card.
Here you can view rewards for supported purchases. Tap a transaction to see more details.
In the transaction details, you'll see the amount of reward points for that purchase.
What is XO Cash (XO)?
XO Cash (XO) is a USD-backed stablecoin issued in partnership with MoonPay.
XO is built on the Solana network and is backed 1:1 by reserves consisting of U.S. dollar deposits, U.S. Treasuries, and other cash equivalents held with regulated financial institutions.
How is XO used in Exodus Pay?
In Exodus Pay, XO appears as your cash balance. This balance is also reflected in your Exodus portfolio and in your XO Cash wallet.
XO is designed to make payments simple inside Exodus Pay. It works like digital cash that you can use to send money, earn rewards, and fund your Exodus Card.
With XO, you can send money instantly to other Exodus Pay users. You can also earn rewards by holding or spending XO in Exodus Pay.
How can I get XO in Exodus Pay?
You can receive XO in Exodus Pay in a few different ways.
When someone sends you funds in Exodus Pay, you will receive XO.
You will also receive XO when you deposit USDC or USDT into Exodus Pay. When you make a deposit, your USDC or USDT is automatically converted into XO and shown as your cash balance.
You can also purchase XO by depositing via Apple Pay or debit card.
In your Exodus crypto wallet, you can get XO by swapping from other assets using Exodus Swap or buying crypto in Exodus Mobile. To use these methods, you will need to switch from Exodus Pay to your Exodus wallet. For more information, visit:
Does my device support passkeys?
To back up your Exodus Pay account with a passkey using iCloud or Google Drive, you’ll need a compatible iOS or Android device.
The following operating systems support passkeys:
iOS 16 or higher. For more information on managing passkeys with an iOS device, visit Apple's guide: Use passkeys to sign in to apps and websites on iPhone.
Android 9 or higher. For more information on managing passkeys with an Android device, visit Google's guide: Sign-in to your applications & websites with passkeys.