Managing your digital assets efficiently starts with a seamless deposit process. If you're looking to add funds to your Pay account, you're in the right place. This guide walks you through the complete process of depositing money into Pay using two primary methods: exchange deposits and on-chain receiving. Whether you're new to digital wallets or a seasoned user, this step-by-step breakdown ensures a smooth, secure, and fast experience.
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Understanding the Deposit Entry Points
Before diving into the methods, it’s important to know where you can initiate a deposit. There are four convenient entry points within the Pay interface:
- The 【Deposit】 button below your balance on the homepage
- The 【Deposit】 option on the balance details page
- The 【Deposit】 button on the rewards page
- A deposit reminder that appears when you exceed your available balance during a payment
All paths lead to the same streamlined process—ensuring flexibility no matter where you are in the app.
Method 1: Deposit from Exchange
Transferring funds from your exchange account to Pay is quick and intuitive. This method is ideal if you already hold USDT or USDC in your exchange wallet.
Step-by-Step Guide:
- From the Pay homepage, tap 【Deposit】
- Select 【From Exchange】
- Click 【Next】 to proceed
You’ll be directed to the Add Assets screen. Here:
- Enter the amount of USDT or USDC you wish to transfer
- Tap 【Next】
- Review the transaction details carefully
- Confirm by tapping 【Add】
Within seconds, your funds will appear in your Pay balance. No complex steps, no waiting—just instant access to your assets.
Security Note: If your transaction exceeds the daily limit, you may be prompted to complete two-factor authentication (2FA) for added security. This helps protect your account and ensures compliance with safety protocols.
This method leverages internal transfers, meaning lower fees and faster processing compared to external blockchain transactions.
👉 Securely transfer assets between accounts in seconds.
Method 2: On-Chain Receiving (Deposit via Blockchain)
If your funds are stored in an external wallet—such as MetaMask (commonly known as “Fox Wallet”)—you can deposit them directly via blockchain using the on-chain receiving feature.
Step 1: Generate Your Deposit Address
- On the Pay homepage, tap 【Deposit】
- Choose 【On-Chain Receiving】
- Select your preferred network—in this case, X Layer
A pop-up will display:
- Your unique deposit address
- A scannable QR code
You can tap 【Copy Address】 to save it to your clipboard or save the QR code for easy scanning.
Step 2: Initiate Transfer from External Wallet
Now, open your external wallet (e.g., MetaMask):
- Ensure you're on the same network (X Layer)
- Paste the copied address or scan the QR code
- Enter the amount you wish to transfer
- Confirm and submit the transaction
Once confirmed on the blockchain, your funds will be credited to your Pay balance.
Important: Currently, Pay only supports deposits via X Layer. If you're holding assets on other chains like TRON or Ethereum, you must first bridge them to X Layer before depositing. Use trusted cross-chain tools to complete this transfer securely.
This method gives you full control over your funds and is perfect for users who manage assets across multiple platforms.
Frequently Asked Questions (FAQ)
1. Why can’t I access the “From Exchange” deposit option?
This feature is only available if you have sufficient USDT or USDC balance in your exchange account. If your balance is zero or too low, the system will automatically redirect you to the on-chain receiving method.
2. I have funds in my trading account, but they don’t show up during deposit—why?
There are a few possible explanations:
- Your assets may be in your trading account, but only balances in the funding account are eligible for transfer to Pay.
- Some funds might be frozen, locked, or under security protection, which makes them temporarily unavailable for withdrawal.
- Only withdrawable balances of USDT and USDC are displayed during the deposit process.
To resolve this, ensure your assets are moved to your funding wallet and are not subject to any restrictions.
3. How long does it take for deposits to arrive?
- Exchange transfers: Typically credited within seconds
- On-chain deposits: Usually confirmed within 1–5 minutes, depending on network congestion
Once processed, you’ll receive a push notification and an email confirmation for transparency and peace of mind.
4. Can I cancel a deposit after initiating it?
No. Once a deposit transaction is confirmed—especially on-chain—it cannot be reversed. Blockchain transactions are final by design.
However, if you need to move funds back:
- You can transfer from your Pay balance back to your exchange or external wallet at any time
- Simply use the withdrawal function within the app
5. Is there a minimum or maximum deposit amount?
While specific limits may vary based on account level and verification status:
- Minimum deposits are typically very low (e.g., $1 equivalent)
- Daily maximums apply for security; higher limits are available upon identity verification
Always check your current limits in the app settings.
6. What should I do if my deposit hasn’t arrived?
First, verify:
- The transaction was confirmed on-chain (use a blockchain explorer)
- You used the correct network (X Layer only)
- The address was copied accurately
If everything checks out but funds are still missing, contact support with your transaction ID (TXID) for assistance.
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Final Thoughts
Depositing funds into Pay is designed to be fast, secure, and user-friendly—whether you're transferring from an exchange or sending assets from an external wallet via X Layer. With multiple access points, clear instructions, and real-time notifications, managing your money has never been easier.
By understanding the differences between exchange transfers and on-chain deposits, you can choose the best method based on your current asset location and needs. Always double-check network compatibility and ensure your funds are in the correct account type before initiating transfers.
With just a few taps, you’re ready to use your funds for payments, rewards, or further investments—all within a secure ecosystem built for modern digital finance.