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?
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 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?
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 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.
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 get my Exodus Card?
To spend cash anywhere Visa or Mastercard is accepted, activate your Exodus Card by following these steps:
If you previously signed up for the Exodus Spend Card, you'll need to migrate it to Exodus Pay. To learn how, visit: How do I migrate my Exodus Spend Card?
Your Exodus Card uses your Cash balance to pay for transactions
From the reward screen, tap Activate your card.
Tap Start to read the slides about the Exodus Pay debit card.
Depending on your location, a) enter your tax ID or if you're located in the US, enter your Social Security number (SSN). Once entered, b) tap Continue.
If prompted a) enter your address and b) tap Continue.
You may also be asked a) the following:
How will you use the account?
Employment status
Source of your funds
Annual income
Expected monthly transactions
Expected monthly volume
Once answered, b) tap Continue.
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.
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). If you don't see this option, you can manually add your Exodus Card to Apple Wallet or Google Wallet:Add a debit or credit card to the Google Wallet app (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 Exodus Card?
Where is the Exodus Card available?
Currently, the Exodus Card is only supported in the following countries.
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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, which you can use in both Exodus Pay and your Exodus crypto wallet.
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. When ready, b) tap Add.
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.
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)
Tether (USDT):
Arbitrum One (ARB1)
Solana (SOL)
Ethereum (ETH)
BNB Smart Chain (BSC)
XO Cash (XO):
Solana (SOL)
How do I spend cash with my Exodus 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 add money?
To learn more about using your card, visit: How do I manage my Exodus Pay card?
Which assets can I use to fund my Exodus Card?
Your Exodus Card draws from these assets on the Solana network, usually in this order:
Tether USD (USDT)
USD Coin (USDC)
Your card can't combine balances. Each purchase has to be covered by a single asset. If the first asset doesn't have enough for the full amount, your card tries the next one.
If no single asset covers the purchase, it's declined, even if your combined balance is more than enough. To fix this, top up one asset so it covers the full amount on its own.
To add funds to your Exodus Pay balance, visit: How do I add money?
What are the spending limits for the Exodus Card?
The Exodus Card has the following daily limits for debit card purchases:
$9,500 USD (Global)
$15,000 USD (United States of America)
Follow the steps below to view how much of the daily limit you've spent:
In Exodus Pay, tap Card.
Tap Settings.
Here you can see how much of your daily limit you've used.
What exchange rate is used for purchases?
Exodus Card uses your Exodus Pay balance in XO Cash, USDC, and USDT, which are USD-backed stablecoins. 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 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. When ready, b) tap Send.
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. When ready, b) tap Withdraw.
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.
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)
Tether (USDT):
Arbitrum One (ARB1)
Solana (SOL)
Ethereum (ETH)
BNB Smart Chain (BSC)
What are rewards in Exodus Pay?
If you’ve joined Exodus Rewards, visit What is Exodus Rewards? to learn how points work in the new program. Exodus Rewards is rolling out gradually, so if it isn’t available to you yet, the information below may still apply.
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.
Rewards are earned based on your eligible Exodus Pay balance and spending with your Exodus Card.
On the home screen in Exodus Pay, you can view the amount or rewards you have earned.
How do I earn rewards?
You can earn rewards in Exodus Pay in several ways.
Holding an active Exodus Pay balance.
You automatically earn rewards on your Exodus Pay balance.
Rewards begin accruing after your first deposit, and the amount depends on your Exodus Pay balance; the higher your balance, the more points you earn.
Spending with your Exodus Card.
You earn rewards each time you use your Exodus Card for eligible purchases.
Rewards become available to convert to XO 24 hours after your purchase is finalized.
How can I see rewards on past purchases?
You can see rewards on past purchases in your Exodus Card purchase history and purchase details.
In Exodus Pay, tap 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 rewards for that purchase.
How do I convert my rewards?
To convert rewards, your Exodus Pay account must be verified. To learn how, visit: How do I verify my account?
To convert your rewards, follow these steps:
In Exodus Pay, tap Convert.
Tap OK.
A minimum 10,000 points is required in most countries to convert rewards. To learn more about the minimum required, see: How do rewards convert to XO Cash?
Your points will now be converted to cash. You can view your full conversion history in your activity. a) Tap Earn to b) view your converted points.
How do rewards convert to XO Cash?
You can convert your rewards to Cash, which is added to your Exodus Pay balance as XO Cash (XO).
In most countries, a minimum of 10,000 points is required to convert rewards.
In the following countries, a minimum of 4,000 points is required to convert rewards:
Argentina
Brazil
Colombia
Mexico
Uruguay
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.
If you join Exodus Rewards, eligible USDC and USDT on Solana will be converted into XO as part of your Cash balance.
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.