Why do I see Pay products in both Simple Mode and Pay Mode?

Published on Jan 27, 2026Updated on Jan 28, 20262 min read

You might notice Pay in both Simple mode and Pay mode. Simple mode offers a simpler, more intuitive experience for everyday payments, while still using the same account and balance. It's just two ways to use Pay, depending on what you want to do.

What's the difference between Pay in Simple mode and Pay mode?

Both use the same account, but they offer different levels of control and features. For more details about this, visit here.

What is Pay in Simple mode?

Pay in Simple mode is a new streamlined Pay experience focused on everyday use. In the Pay tab under Simple mode, you can:

  • Pay any contacts using USDG, USDC, and USDT on X Layer

  • Spend using your OKX Card or sign up if you don't have one yet

  • Add funds from Portfolio

  • Transfer only USDG, USDC, and USDT from X Layer to Portfolio

  • Send tokens to wallet addresses

What's in Pay mode?

This is best for everyday payments and spending.

  • Pay any contacts using USDG, USDC, and USDT on X Layer

  • Use your OKX card for spending

  • Add funds

  • Buy using PIX

  • Transfer all tokens from X Layer to Porfolio

  • Token conversation

  • Receive funds from an external wallet

  • Send funds out to a wallet address

Why am I seeing both?

Simple Pay reduces complexity and makes it easier to use Pay for everyday transactions. We’ll continue expanding features over time. You can switch between Simple mode and Pay mode anytime. Your funds and account stay the same.

Disclaimer
This content is provided for informational purposes only and may cover products that are not available in your region. It is not intended to provide (i) investment advice or an investment recommendation; (ii) an offer or solicitation to buy, sell, or hold crypto/digital assets, or (iii) financial, accounting, legal, or tax advice. Crypto/digital asset holdings, including stablecoins and NFTs, involve a high degree of risk and can fluctuate greatly. You should carefully consider whether trading or holding crypto/digital assets is suitable for you in light of your financial condition. Please consult your legal/tax/investment professional for questions about your specific circumstances. Information (including market data and statistical information, if any) appearing in this post is for general information purposes only. While all reasonable care has been taken in preparing this data and graphs, no responsibility or liability is accepted for any errors of fact or omission expressed herein. Both OKX Web3 Wallet and OKX NFT Marketplace are subject to separate terms of service at www.okx.com.

© 2026 OKX. This article may be reproduced or distributed in its entirety, or excerpts of 100 words or less of this article may be used, provided such use is non-commercial. Any reproduction or distribution of the entire article must also prominently state: “This article is © 2026 OKX and is used with permission.” Permitted excerpts must cite to the name of the article and include attribution, for example “Article Name, [author name if applicable], © 2026 OKX.” No derivative works or other uses of this article are permitted.