You Bought Crypto on Metal Pay. Now Put It to Work.
Buying crypto on Metal Pay is the first step. The next question is what you do with it after the purchase settles. If your assets are just sitting idle, there may be more you can do than simply wait for price action. Inside the broader Metallicus ecosystem, Metal Pay becomes the onramp, WebAuth Wallet becomes the self-custody bridge, the XPR Network becomes the feeless transfer layer, and LOAN Protocol on Metal X becomes the place where idle assets can start earning.
The idea is simple: buy on Metal Pay, move supported assets to WebAuth over the XPR Network without paying gas or network fees, then connect to Metal X Lending and put those idle balances to work. For users who want more than a buy-and-hold experience, it is one of the clearest next steps in the ecosystem.
Why This Matters
A lot of crypto bought on fiat onramps never gets used. It sits in an account, untouched, while users wait for the next market move. There is nothing wrong with holding, but many buyers want more flexibility than that. They want to keep exposure to their assets while also exploring ways to earn on them.
That is where the Metallicus stack starts to stand out. Metal Pay is not just a place to buy crypto with a debit or credit card. It is also an entry point into an ecosystem built around self-custody, zero-gas transfers on the XPR Network, and on-chain products like lending, swaps, and trading on Metal X.
Step 1: Buy on Metal Pay
Metal Pay makes it easy to buy supported assets with a debit or credit card. You can start from the app on iOS or Android, then choose the asset you want to buy and complete the purchase flow.
Supported assets in the broader Metallicus flow include BTC, ETH, XRP, XPR, USDC, USDT, XMD, MTL, HBAR, DOGE, XLM, SOL, ADA, and more. That gives users multiple ways to move from a simple card purchase into a more active on-chain strategy later.
Step 2: Move Assets to WebAuth Without Paying Gas Fees
Once you have bought crypto on Metal Pay, the next step is moving supported assets into WebAuth Wallet. WebAuth is the non-custodial wallet in the Metallicus ecosystem, and it is the bridge into the XPR Network and Metal X.
This is where the user experience changes in a meaningful way. Because the XPR Network has zero gas fees, you do not have to think about paying network fees just to move funds into position. That makes it easier to move assets from Metal Pay into WebAuth and prepare them for the next step without watching transfer costs eat into smaller balances.
For users who have only experienced higher-fee networks, that difference is not small. It changes the economics of moving and using crypto. Instead of hesitating over whether a transfer is worth the fee, users can move assets into WebAuth and keep going.
Step 3: Put Idle Assets to Work With LOAN Protocol
After your assets are in WebAuth, you can connect to Metal X Lending and use LOAN Protocol to start earning on idle balances.
LOAN Protocol powers the lending markets on Metal X. Instead of leaving supported assets idle, depositors can supply them into lending pools and earn variable APY plus LOAN token incentives. Borrowers, in turn, put up over-collateralized collateral to access those assets. The result is a lending system designed to turn passive balances into productive ones.
The key pitch is simple: if your crypto is just sitting there, LOAN Protocol gives it a job. You are no longer limited to “buy and wait.” You can move from purchase to participation.
What Assets Can Be Used?
Metal X Lending supports a broad set of assets that align with what users can buy through Metal Pay and move through the Metallicus ecosystem. That includes major assets like BTC, ETH, XRP, USDC, and XPR, alongside ecosystem assets like XMD and MTL and several other supported tokens.
That matters because it reduces friction. Users do not need to learn a completely separate stack after buying. The path is direct: buy on Metal Pay, move into WebAuth, and then use those same assets on Metal X.
No Need to Lock Yourself In
One reason the lending pitch is compelling is that it is not framed as a one-way move. Depositors can supply assets, earn variable yield, and withdraw when they want. That flexibility matters for users who want to stay active, manage risk, or move quickly when market conditions change.
Instead of treating yield as something that requires permanent commitment, LOAN Protocol makes it part of an accessible on-chain toolkit. You can lend, monitor, and adjust as needed while keeping the overall flow inside the same ecosystem.
And If You Want More, Metal X Is Already There
Lending is only one part of the story. Once assets are on Metal X, users can also explore swaps, spot trading, liquidity pools, and other DeFi activity. The same feeless XPR Network foundation supports all of it, which means users are not constantly paying gas just to move from one action to the next.
That makes the full stack coherent. Metal Pay gets users in. WebAuth gives them control. The XPR Network removes gas friction. Metal X and LOAN Protocol give them places to use their assets productively.
The Real Pitch: Don’t Let Your Crypto Sit Idle
If you bought crypto on Metal Pay and your next move is simply to let it sit, that is one option. But it is not the only one. The stronger story is that you can put those assets to work. Move them into WebAuth, use the XPR Network without paying gas fees, and explore LOAN Protocol on Metal X to start earning on balances that would otherwise do nothing.
For many users, that is the moment when crypto becomes more than a purchase. It becomes an active financial tool.
Get Started
Start by buying supported assets on Metal Pay. Then move them into WebAuth Wallet and head to Metal X Lending to explore LOAN Protocol. If the goal is to put idle crypto to work, that is the clearest path from purchase to earning in the Metallicus ecosystem.
