Deposit cash 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 cash, 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 in most jurisdictions worldwide.
While Exodus Pay may be available in your country, some features may not be supported, including the Exodus Card. To see a list of countries that currently support the card, visit: Where is the Exodus Card available?
To create an account, you’ll need a phone number that can receive a verification code by WhatsApp or SMS. In some regions, only WhatsApp is supported.
How do I get started with Exodus Pay?
You can access Exodus Pay from your Exodus wallet.
In a new Exodus wallet, a) enter an invite code (optional), then b) tap Agree and Continue.
If you already have an Exodus wallet, skip to step 2.
In Exodus Pay, a) tap Start. If you don't see this button, b) tap the gift icon instead.
Complete each step in any order:
Once you've completed verification and steps to set up your account, you'll unlock the setup reward if you're eligible.
Depending on your region, the steps to set up your account and the steps to unlock the point reward may vary.
The setup reward is available wherever the Exodus Card is available.
Once all steps are completed, the rewards screen and gift icon will no longer be visible.
How do I create my account?
You must first create your account before you can access certain features, such as activating the Exodus Card, redeeming points, adding cash using certain methods, and other related actions.
From the reward screen, tap Create account.
a) Enter your phone number, then b) tap Send code.
Enter the verification code sent to your phone. Depending on your region, you’ll get the code by WhatsApp or SMS. If you don’t receive a code, visit: What should I do if I didn't receive my verification code?
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.
What should I do if I didn't receive my verification code?
Depending on your region, verification codes are sent by WhatsApp or SMS.
Make sure you’re using the latest version of Exodus.
Check both WhatsApp and your SMS text messages for a verification code. Codes sent by WhatsApp come from Exodus Pay.
In some cases, if WhatsApp can’t deliver your code, it's sent as an SMS instead.
To get a new code, tap Resend code. The new code is sent by SMS, except in regions where codes can only be sent by WhatsApp. If you see a message that WhatsApp is required, install WhatsApp and set it up using the phone number you entered, then try again.
Never share your verification code with anyone. Exodus will never ask you for it.
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?
Once you're ready, follow the steps below for iOS or Android to protect your Exodus Pay account:
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?
Follow the steps below for iOS or Android to add friends through your device's contact book:
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 redeeming points, 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.
If you previously signed up for the Exodus Spend Card, you will be asked to migrate it to the Exodus Card in Exodus Pay by signing in with your Spend Card password. You will not need to go through verification again.
a) Check your email application for the 6-digit code to verify your email. If the code does not arrive, b) tap Resend Email.
If you are located in the US, you may be asked to a) enter your Social Security number (SSN). b) Tap Continue.
If you do not see this screen, skip to step 6.
Next, you will verify your identity through Veriff. Tap Let's go!
After confirming your identity with Veriiff, if you are located in the US, you may be asked to provide additional information. If prompted, a) enter your full name as it appears on your identification, then b) tap Continue.
If prompted, a) enter your residential address, then b) tap Continue.
If you do not see these screens, skip to step 8.
Your verification is in progress. To return to the reward screen, tap OK.
Verification can take up to 72 hours. Once completed, you will have access to most Exodus Pay features.
How do I activate my Exodus Card?
To start using your card, tap Activate your card on the reward screen. You can then spend your Cash anywhere Visa or Mastercard is accepted.
To learn more about using your card, and where it’s available, visit: Getting started with the Exodus Card.
How do I add money?
You can add money to your Exodus Pay balance in several ways. For step-by-step instructions, visit the following sections:
If you receive XO, USDC, or USDT using your Solana address from your crypto wallet, the funds will automatically appear in your Exodus Pay balance as Cash. To learn about Cash and how to receive crypto, visit:
Available deposit methods vary by location and verification status. If a deposit method does not appear or cannot be selected, it is not supported for your location or account.
Some deposit methods have a minimum amount which is shown in Exodus Pay.
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:
In Exodus Pay, tap Add money.
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 Add.
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.
In some European countries, you may see USDC on the Solana network during checkout instead of XO Cash (XO). In this case, the third-party API provider sends you USDC, which Exodus automatically converts to XO Cash for your Exodus Pay balance. No extra steps are required.
Once complete, you'll see that your deposit was successful.
The card you added will be available as an option the next time you add money.
If you want to remove your card or change your card details, visit: How do I remove or change my debit card details?
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:
In Exodus Pay, tap Add money.
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 Add.
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.
In some European countries, you may see USDC on the Solana network during checkout instead of XO Cash (XO). In this case, the third-party API provider sends you USDC, which Exodus automatically converts to XO Cash for your Exodus Pay balance. No extra steps are required.
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:
In Exodus Pay, tap Request.
a) Enter the amount you're requesting and b) tap Continue.
Here, you will a) see your address as a QR code that you can b) share with the sender.
Stablecoins
You can deposit USDC or USDT from either your Exodus crypto wallet or an external wallets. Exodus automatically converts the deposit to XO Cash (XO) for your Exodus Pay balance.
Deposit from your Exodus crypto wallet
You can deposit USDC or USDT from your Exodus crypto wallet. When you deposit, your USDC or USDT is converted into XO Cash.
To deposit USDC or USDT from your Exodus crypto wallet, follow these steps:
In Exodus Pay, tap Add money.
Tap stablecoins.
Tap Your Exodus Wallet.
a) Select between USDC and USDT, and b) tap the asset.
When you deposit USDC or USDT, Exodus will automatically convert the funds to XO Cash (XO) in the background.
a) Enter the amount you want to deposit or b) tap Available to deposit all. c) Review the fees, then d) tap Add when ready.
Minimum deposit amounts vary by network. If the amount you enter is below the minimum, your wallet will indicate that the deposit amount is too low.
Once complete, you'll see that your deposit was successful.
Your deposit appears as Cash in your activity.
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.
To deposit USDC or USDT from an external wallet to Exodus Pay, follow these steps:
In Exodus Pay, tap Add money.
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, USDT, and XO, then c) choose your preferred network.
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
d) See the current minimum deposit amount
Minimum deposit amounts vary by network. 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.
Which networks are supported for depositing stablecoins?
The following networks are supported for USDC, USDT, and XO deposits in Exodus Pay:
USDC (USDC):
Solana (SOL)
Ethereum (ETH)
Arbitrum One (ARB1)
Base (BASE)
BNB Smart Chain (BSC)
Polygon (POL)
Tether (USDT):
Arbitrum One (ARB1)
Solana (SOL)
Ethereum (ETH)
BNB Smart Chain (BSC)
Polygon (POL)
XO Cash (XO):
Solana (SOL)
These networks are for depositing into Exodus Pay. If you've joined Exodus Rewards, visit: Which stablecoins can be moved into Cash? for the stablecoins moved automatically.
How do I send Cash?
When sending Cash, your available XO, USDC, and USDT balances on Solana are combined so you can send your full available balance.
In Exodus Pay, tap Send.
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 Available to send all. c) Review the fees, then d) tap Send when ready.
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 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 Available to send all. c) Review the fees, then d) tap Withdraw when ready.
The minimum withdrawal amount varies by network. You won’t be able to withdraw if your XO Cash (XO) balance is below the minimum.
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.
Withdrawals appear as Cash in your activity.
Which networks are supported when withdrawing stablecoins?
The following networks are supported for USDC and USDT withdrawals in Exodus Pay:
USDC (USDC):
Solana (SOL)
Ethereum (ETH)
Arbitrum One (ARB1)
Base (BASE)
BNB Smart Chain (BSC)
Polygon (POL)
Tether (USDT):
Arbitrum One (ARB1)
Solana (SOL)
Ethereum (ETH)
BNB Smart Chain (BSC)
Polygon (POL)
What are rewards in Exodus Pay?
Rewards earned in Exodus Pay are not interest or yield.
In Exodus Pay, you earn rewards for using your account. These rewards can later be converted into Cash and added to your balance.
To learn more about earning rewards and how to join, visit: What is Exodus Rewards?
Which assets make up my Exodus Pay balance?
Your Exodus Pay balance is made up of three assets on Solana. In Exodus, this balance is called Cash.
Your Cash balance includes:
USD Coin (USDC)
Tether USD (USDT)
You can use these assets to fund your Exodus Card, swap in Exodus Swap, and send to others. To add funds to your Exodus Pay balance, visit: How do I add money?
Your total Cash balance is shown in the circle graph.
Tap the circle graph to view a) your total balance across all features and b) an overview of your balances, including your Cash holdings and pending deposits.
If you join Exodus Rewards, eligible USDC and USDT on Solana will be converted into XO as part of your Cash balance.
If you've received a refund or a card transaction was reversed, you'll also see Returned card funds in the Cash balance overview, and it's included in your total Cash balance. To learn more, visit: How do I view my credits from refunds?
Your Cash balance is also shown in your crypto wallet. Here, you can a) tap the Cash banner to b) view an overview of your Cash holdings.
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 works like digital cash and appears as part of your Cash balance alongside USDC and USDT on Solana.
With XO, you can send money instantly to other Exodus Pay users and earn points by holding or spending it 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 stablecoins into Exodus Pay. When you make a deposit, your stablecoin is automatically converted into XO and added to 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.