Pay.
Swap.
Simple.
Pay by username and swap with X. XPay keeps the first experience simple — no long addresses, no crypto clutter.
Earn $3
Activity
Pay by Username
A cleaner way to send crypto.
Who are you paying?
Enter an XPay username to send crypto.
Simple by design.
Exchange, without the clutter.
A calm two-step flow built around one thing: the swap.
Convert assets
You’ll review the final quote before anything changes.
Welcome Campaign
Complete all 3 steps and unlock your $3 reward.
Unlock your welcome reward
Finish the 3 steps below and unlock your $3 reward.
Your Username
Choose your XPay username.
Refer on X
Share your personal XPay referral link.
Complete all three steps to unlock $3.00. Your reward balance will appear in Wallet.
Whitepaper
The product thesis, architecture direction, and principles behind a simpler crypto payment experience.
Abstract
XPay is building a simpler interface for everyday crypto actions. The core idea is straightforward: people should be able to pay another person by a human-readable username, exchange assets through a clear swap flow, and understand every action before it is confirmed.
The product is intentionally focused. Instead of turning the first experience into a trading terminal or a complex wallet dashboard, XPay centers the experience around identity, intent, confirmation and a small number of useful actions.
Crypto should feel understandable.
Wallet addresses, networks, signatures and transaction states are powerful primitives, but they are not the language most people want to use every day.
Pay by identity
Use a username as the starting point for a payment instead of making a long address the center of the experience.
Make intent obvious
Keep the amount, asset, recipient, quote and final action visible at the moment a user needs to decide.
One product. Two core actions.
XPay is organized around Pay and Swap. Wallet, activity and the welcome campaign support those actions without competing with them.
Pay by Username
Send supported assets to a resolved XPay username with a recipient-first confirmation flow.
Swap with X
Exchange supported assets through a quote, review and confirmation experience centered on X.
Pay by Username
A username is the human-readable destination. The system is designed to resolve that identity before the user commits to the transfer.
Swap
The swap experience reduces a complex routing process into a clear user decision: what goes in, what comes out, what it costs, and what happens next.
Quote
Present the expected output and relevant fee information before confirmation.
Execution
Production infrastructure can connect routing, liquidity, transaction signing and settlement behind the same interface.
$XPAY — XPay's core asset.
$XPAY is the core XPay ecosystem asset, with the initial exchange experience centered on X and the token being brought to Robinhood Chain.
Robinhood Chain
Built for an EVM-compatible Layer-2 environment, with $XPAY positioned as the XPay ecosystem token on the network.
Simple access
Keep the primary swap path centered on X rather than overwhelming users with unnecessary asset choices.
Ecosystem utility
Expand the role of X through useful product experiences as the underlying infrastructure matures.
Welcome Campaign
The campaign is designed to introduce users to the XPay ecosystem through clear onboarding actions. Eligible rewards are tracked in the user's XPay balance and become available according to the campaign's verification and eligibility rules.
Trust is part of the interface.
Security is built into the experience. Clear, deliberate steps help users understand every important action with confidence.
Identity visibility
Show the resolved recipient and relevant account context before payment confirmation.
Explicit review
Separate intent, review and confirmation so users have a final opportunity to catch mistakes.
Transaction history
Give users a clear record of payments, swaps and reward activity.
Production controls
Use secure authentication, audited contracts, transaction monitoring, safety controls and reliable infrastructure as the product moves toward production.
From product experience to production network.
Refine Pay, Swap, Wallet, Activity and campaign experiences.
Connect authentication, secure profiles and username resolution.
Connect wallet infrastructure, RPC services, transaction signing and settlement.
Connect the finalized $XPAY deployment, RPC infrastructure, transaction signing and settlement on Robinhood Chain.
Connect routing, liquidity, pricing, slippage and transaction execution.
Introduce monitoring, audits, safety controls, reliability and production operations.
About XPay
A crypto payment experience built around people, not wallet addresses.
Pay. Swap. Simple.
XPay is focused on making everyday crypto interactions feel closer to the products people already understand.
The starting point is simple: send value to a username, swap with X, and keep the experience clean enough that users always know what they are doing.
Names over long addresses.
XPay puts a human-readable username at the center of payments while keeping the underlying wallet infrastructure behind the experience.
Less interface. More clarity.
Every screen is designed around one primary decision, with confirmation and transaction context shown when it matters.
A focused $XPAY experience.
$XPAY is the central XPay asset, giving the product a clear identity while keeping the first swap experience focused.
Built to expand carefully.
The foundation can grow into richer wallet, payment, identity and onchain experiences without losing the simplicity of the core product.
Make onchain feel everyday.
XPay is being shaped as a simple front door to crypto payments and asset exchange — familiar enough for a first-time user, powerful enough to grow with the ecosystem.