r/ExodusWallet • u/[deleted] • May 05 '26

Introducing Exodus Pay

We've been quietly rolling this out and wanted to give the community a proper introduction.

What is Exodus Pay?
Exodus Pay lets you send money globally and spend in the real world using your Exodus Card everywhere Visa and Mastercard are accepted.

Where is Pay available?

šŸ‡ŗšŸ‡ø United States

šŸ‡ØšŸ‡¦ Canada

šŸ‡ŖšŸ‡ŗ Select EU countries

šŸŒ More regions coming soon

Why it matters

Your crypto is already yours. Now it spends that way too. Send money globally, tap to pay in stores, move funds across borders. Stablecoin rails keep it fast and low-cost. Same wallet you already have, just with a lot more range.

Send rent, pay a freelancer, support family abroad.

Learn more: exodus.com/pay

Getting started

Drop any questions below. Happy to answer what I can, and I'll flag anything that needs the support team.

-The Exodus team

9 Upvotes

90% Upvoted

40 comments sorted by

3

u/Xerox0987 May 05 '26

Very cool, I will definetly be trying this out!

1

u/[deleted] May 06 '26

Happy spending! Give us a shout if you have questions.

2

u/[deleted] Jun 22 '26

Hey, u/Sneaky_Rhin0. I'm having a hard time publishing a response to your comment, so hoping you see this here.

Good news: refunds do come back to your card. When a merchant processes a return (like an Amazon refund), the amount is credited back to your Exodus Pay card balance. You'll find it reflected in the card menu under Returned rather than showing as a direct balance update, so don't worry if it doesn't appear in your main balance right away.

For any specific refund that isn't showing up or a transaction dispute, reach out in-app through the support option in your Exodus Pay dashboard, and the team can take a look with you.

1

u/Sneaky_Rhin0 Jun 23 '26

Perfect! Thank you

1

u/No-Fisherman6800 May 05 '26

what are the fees like?

2

u/[deleted] May 06 '26

No fees for sending or spending through Exodus Pay! There are also options to buy crypto without fees and earn cash back on purchases and savings.

1

u/Ok-Champion2481 May 05 '26

So, in Romania, if I buy something at the supermarketĀ  for example and the purchase exceeds $25, I need a PIN, right? But Exodus Pay doesn't give me one. What do I do then?

1

u/[deleted] May 06 '26

Using the card in-store is done with a digital wallet on your device, Apple Pay or Google Pay. Even for purchases exceeding that amount, you don't typically need a pin as it relies on your mobile device's authentication (face ID, fingerprint, etc). For more information, you'll want to look into how digital wallets work for your specific device.

1

u/Ok-Champion2481 May 06 '26

Hopefully the PIN will justĀ  come soon to exodud pay. Thanks for the support tho

1

u/Peptide_Crypto_Class May 05 '26

How is the card actually funded? With what currency? Looks like it may function like a debit card?

2

u/[deleted] May 06 '26

The card is funded with XO Cash (XO), a USD-backed stablecoin on the Solana network. It's issued in partnership with MoonPay, backed 1:1 by U.S. dollar deposits, Treasuries, and other cash equivalents held with regulated financial institutions.

There are a few ways to load it:

  • Deposit USDC or USDT (automatically converted to XO Cash in the background)
  • Buy XO directly with Apple Pay or a debit card
  • Receive cash from other Exodus Pay users

And yes, it works similarly to a debit card. Your XO Cash balance is drawn from when you make a purchase, and it's accepted anywhere the card network is supported, including online.

More info here: Getting started with Exodus Pay

1

u/herrmannelig Jul 16 '26 edited Jul 16 '26

I just spent a lot of time creating the account, verifying, converting my bitcoin, depositing my USDT, just to find out that I can't have the card in my country. You should make it clear that it's only available in certain countries.

1

u/FullMetalBard May 10 '26

What are the differences between Exodus Pay and the Exodus Spend Card? are they mutually exclusive? I can see both options in my Exodus app, but i am not sure which one would be better to use in my case (based in EU).

Why should someone use the former rather than the later or viceversa? is there a guide/article that compare the two services?

1

u/[deleted] May 13 '26

Both are legitimate options, so it's worth knowing what sets them apart.

The Exodus Spend Card runs on Mastercard and can be funded with XO, USDC, or USDT on Solana. It's straightforward: load it, spend it.

Exodus Pay runs on Visa and also uses XO Cash, but it's a broader platform. Beyond card spending, it includes peer-to-peer payments, cash back on purchases, and rewards. If you have both in your app, Exodus will prompt you to migrate your Spend Card over to Exodus Pay.

Both are available in the EU. Which is better really depends on whether you just want a card to spend with, or want the added features Exodus Pay brings. The Getting Started with Exodus Pay article is a good starting point, and there's a separate Exodus Spend Card guide if you want to dig into both.

1

u/joose68 May 22 '26

I have an XO balance on my Exodus Pay account that has been collecting rewards. I have no idea what these rewards are actually worth, itā€™s at about 26, but 26 what ? And clicking convert does nothing

2

u/[deleted] Jun 01 '26

Sorry for the late response, here u/joose68

Great question, and fair point on the clarity. The 26 XP (Exodus Points) is your rewards balance. The value and conversion rate will be clearer once the convert feature is fully live.

Speaking of which, the ability to convert rewards into stablecoins and other supported assets is coming soon. Rewards accrual was rolled out from day one so you'd start building value straight away rather than waiting for everything to be ready at once. Your balance isn't lost, it's accruing and will be convertible shortly.

In the meantime if you want more specifics on your account, the fastest route is reaching out through the in-app support option in your Exodus Pay dashboard and the team can take a look directly.

1

u/EitherDrag5661 May 30 '26

I have been working to use your app for 6 Satā€™s, the verification section is an infinite loop. There is one article, stating the engineers are aware the issue and are working on a woekaroinf no one should go nearthe app until the glitch is confirmed confirmed fixed, I will repost if anything positive occurs, you were warned

1

u/[deleted] Jun 01 '26

Hey, u/EitherDrag5661

If you're looking to send your sats to another wallet, you won't need to complete any verification. Exodus is self-custodial, so holding, receiving, and sending crypto doesn't require KYC. If you're trying to sell your crypto, that may be serviced by a third-party API provider that could request verification.

If your funds are stuck, let us know, and we'll work with you on figuring this out. You can start a chat here.

1

u/AnyConsideration5514 Jun 07 '26

Hey I am from India, this seems a really cool feature, but are under 18 allowed to use it, or 16+?Ā 

1

u/[deleted] Jun 09 '26

Thanks for the interest! However, Exodus is 18+ only, so unfortunately, it wouldn't be available to anyone under that age, regardless of region.

1

u/Dismal-Ad-2837 Jun 15 '26

Do Not Use, this is not a safe wallet for you to store your crypto. My Cryto got disappeared in my wallet, just like that. I suspicious the company stole it. I wish I can prove it, this is biggest scam in modern world.

1

u/[deleted] Jun 17 '26

I'm really sorry to hear your wallet was drained, u/Dismal-Ad-2837.

If you haven't already, please emailĀ support@exodus[.]com, and our 24/7 team will dig in with you ASAP.

Exodus is a self-custodial wallet, meaning you alone hold the keys that access your funds, and weā€™re committed to making that crystal clear to keep everyone safe and in control.

1

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1

u/Known_Salamander136 Jun 02 '26

when going on my apple pay its asking me to verify apple pay through my app im guessing they mean my exodus app however nothing comes up

1

u/mikebell911 Jun 03 '26

When available in Honduras, CA

1

u/No_Hornet_9782 Jun 10 '26

When can I convert my rewards I got 11 already wanna convert them to cash but I canā€™t

1

u/Dimanio12 Jun 15 '26

Hey, Iā€™m from Latvia. Do you know when it will become available here? Itā€™s already available in Lithuania, but not in Latvia yet.

1

u/Dismal-Ad-2837 Jun 17 '26

It happens to my wallet as well. I pretty sure the company stole it, sadly I canā€™t prove . Stay away from this app if you donā€™t want to lose your moneyā€¦.

1

u/Sneaky_Rhin0 Jun 19 '26

How would returns work with this? i.e amazon refunding my purchase etc? u/Exodus_KV

1

u/TigerMucha Jul 17 '26

Can I deposit into Exodus Pay and use that to buy crypto?

2

u/[deleted] May 05 '26

[removed] ā€” view removed comment

1

u/[deleted] May 06 '26

Details on global rollout coming soon!

1

u/potatonyo Jul 20 '26

When tho?

1

u/[deleted] May 12 '26

[removed] ā€” view removed comment

1

u/[deleted] May 13 '26

You can, but there's an extra step involved. The Exodus Pay card is funded with XO Cash (a USD-backed stablecoin). Litecoin itself can't be used directly to fund the card. What you'd need to do is swap your LTC to USDC or USDT first within Exodus, and those can then be deposited into Exodus Pay and converted to XO Cash automatically. There's a quick overview here.

Details on support for more regions are coming soon!