You Bought Crypto on Metal Pay — What’s Next?
Metal Pay makes it easy to buy Bitcoin, Ethereum, XRP, and dozens of other assets with your debit or credit card. But once you’ve made that purchase, your options are just getting started. The Metallicus ecosystem — Metal Pay, WebAuth Wallet, the XPR Network, and Metal X — is built so you can safely hold your crypto, earn yield through DeFi lending, and trade, farm, and explore NFTs and liquidity pools, all with zero gas fees. Here’s what you can do with your crypto after buying on Metal Pay.
1. Store It in Metal Pay — Safe and Simple
The simplest option is to keep your crypto in Metal Pay. Your balance stays in your account until you’re ready to send, spend, or move it. Metal Pay is built for compliance and security, so storing your coins in the app is a straightforward way to hold for the long term or until you decide to use them elsewhere.
You can hold multiple assets in one place: BTC, ETH, XRP, SOL, XPR, USDC, Metal Dollar (XMD), and more. There’s no pressure to move funds — many users keep a portion in Metal Pay for convenience and only withdraw when they want to lend, trade, or use a non-custodial wallet. If your goal is to buy and hold with minimal friction, leaving your crypto in Metal Pay is a solid choice.
2. Earn Yield With DeFi Lending on Metal X
If you want to earn yield on your crypto, the next step is DeFi lending on Metal X Lending. Supported assets you buy on Metal Pay can be withdrawn to the XPR Network and used in lending markets — where depositors earn variable APY plus LOAN token incentives.
How It Works
First, get your assets onto the XPR Network. Withdraw from Metal Pay to your WebAuth Wallet — the non-custodial wallet from Metallicus that works with the XPR Network. WebAuth is available on iOS and Android. Because the XPR Network has zero gas fees, moving and using your crypto on-chain doesn’t cost you anything.
Once your crypto is in WebAuth, connect to Metal X Lending. You can supply assets like XRP, XPR, USDC, BTC, ETH, HBAR, DOGE, XLM, SOL, ADA, USDT, MTL, and Metal Dollar (XMD) into lending markets. As a depositor, you earn variable APY plus LOAN token rewards, which are adjusted by market demand. There’s no lockup — you can withdraw when you want. Borrowers, in turn, put up over-collateralized collateral to borrow from those same markets. The whole system is powered by the LOAN Protocol on the XPR Network.
So: buy on Metal Pay → withdraw to WebAuth (via XPR Network) → connect to Metal X → supply to lending markets and earn yield. It’s one of the most direct paths from “I bought crypto” to “I’m earning on it.”
3. DeFi Trading, Liquidity Pools, Yield Farming, and More
Metal X isn’t just lending. It’s a full DeFi hub: trading, swaps, liquidity pools, yield farming, and more — all on the XPR Network with zero gas fees.
Trading and Swaps
On the Metal X DEX you can trade spot pairs, use limit and stop orders, and swap between supported assets. Some pairs, like XBTC/XMD, have zero trading fees; others have competitive fee tiers. Staking and volume can unlock further discounts. Everything settles on-chain with no gas cost to you.
Liquidity Pools
You can provide liquidity to pools on Metal X and earn a share of trading fees — typically 0.2% of every trade that uses your pool, proportional to your share of the liquidity. There’s no lockup: you can add or remove liquidity when you want. Liquidity provision is a way to earn from trading activity without actively trading yourself.
Yield Farming
Beyond base fee revenue, you can stake your LP (liquidity provider) tokens in Metal X farms to earn additional rewards. APR is variable and depends on total staked amounts and reward token value. You can harvest rewards frequently (e.g. every 0.5 seconds), and again there’s no lockup — you can unstake and withdraw from farms and pools at any time. That makes yield farming on Metal X flexible and gas-free.
NFTs and More
The XPR Network and Metal X ecosystem continue to expand with NFTs and other applications. As new features and chains integrate, the same flow applies: buy on Metal Pay, move to WebAuth, and use your assets across the Metallicus product suite.
The Metallicus Ecosystem — Built to Work Together
Metal Pay is the onramp; WebAuth Wallet is your self-custody bridge; the XPR Network is the feeless layer; and Metal X is where you lend, trade, and farm. Together they form a single stack:
Metal Pay — Buy crypto with fiat (USA, Australia, New Zealand). iOS · Android
WebAuth Wallet — Hold your keys, move assets on the XPR Network. webauth.com
XPR Network — Zero gas fees, human-readable @accounts. xprnetwork.org
Metal X — Lending, DEX, pools, farms. app.metalx.com · Lending
Metal Dollar (XMD) — Reserve-backed stablecoin index; buy on Metal Pay, use on Metal X. metaldollar.com
All of it is built by Metallicus, so your experience stays consistent from buying to storing to earning.
Get Started
If you haven’t bought yet, download Metal Pay and fund your account. If you’ve already bought — choose your path: keep it in Metal Pay, or withdraw to WebAuth and head to Metal X Lending to earn yield, or explore Metal X for trading, pools, and farming. Your crypto, your choice.
