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Your Everyday Web3 Wallet

seamless crypto payments, converted to fiat in an instant.

Try on Testnet
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Be Part of the Web3 Revolution

Web3 essentials, right in your pocket

Whether you're buying your first crypto, holding through a bullish trend, or spending it directly as fiat—it's all made easy and gas-less with x0pay.

x0pay leverages the latest Web3 technology with Account Abstraction, running on a payment-dedicated Layer 3 as the settlement layer, offering intent-based Chain Abstraction—all designed to deliver the best User Experience for you.

And the best part? While 0x... wallets can be very complicated, your x0 Web3 journey starts with just your email!
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x0pay main features

We aim to be the cheapest, fastest and most secure in the market,
offering the simplest user experience for both newbies and OGs.

Super Easy & Zero Gas Fee

No Metamask needed. Sign up with Email, x0 self-custodial account is generated, fully under your control. No gas fees for transactions on x0network—x0 accounts are sponsored using Account Abstraction.

Secure Self-Custodial Access

Your private key is split into three shards: one on your device, one in Amazon KMS, and one emailed to you. Two shards are needed for transactions or recovery. x0pay can’t access or reconstruct your key.

API Integration

Integrate our API to your Application and start enabling crypto payments for your users.

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Chain Abstraction

x0pay can support 207 EVM chains. Our auto-bridge brings your external assets onto x0network for gas-less transactions and low fiat conversion fees through intelligent netting and rebalancing.

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Fast & Secure Transactions

Transactions are processed on x0network, a payment-dedicated Layer 3 blockchain, powered by Arbitrum (up to 40,000 TPS) and secured by over 1 million Ethereum validators worldwide.

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Seamless Fiat Payment

Instantly convert crypto to fiat and pay without delays to 300000+ merchants spread throughout the islands of Indonesia

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Got Questions?

What is x0pay?
x0pay is a seamless web3 wallet that abstracts blockchain complexities for users, providing an efficient on/off-ramp for cryptocurrency payments.
"Not your keys, not your crypto" so how to manage my key?
Private key management is made easier with our Account Abstraction technology, where when you sign up using email, a self-custodial wallet address will be created for you with the key divided into 3 shards. Shard 1 is stored in your cellphone. Shard 2 is encoded and stored in AWS Key Management Services. Shard 3 is encoded and sent to your email. Two shards are needed for signing transactions or recovery.
What if my cellphone is damaged or lost?
You can install x0pay on a new cellphone using the previous email and restore your wallet and assets by inputting shard 3 from your email.
What networks and tokens are supported by x0pay?
x0pay supports all EVM networks starting with ethereum and arbitrum, and for tokens, x0pay prioritizes canonical stablecoins and native tokens with high market cap, and in the near future will be rolled out for other networks and tokens.
At which merchants can we pay using crypto?
Auto conversion payments from crypto to fiat can be made at merchants who are members of our payment gateway partners. Currently there are 300000+ spread throughout Indonesia, and will continue to increase along with partnership programs both in Indonesia and in other countries.
How about the costs?
All transactions on our network are gas free, except Topup which is actually an auto-bridge from the external network to x0network and this requires gas fees from the originating network. Other fees are required for Pay to Fiat and vary from 0.3% per transaction, depending on the payment gateway partner.
How long does the transaction process take?
All transactions are completed in seconds and you can directly monitor the process in the explorer feature that we provide.
How do I contact the team?
Text our Telegram! all direct communication will happen here or on X.
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