SendStep 1: Start a chat with a friend Open the Message page in Pay Tap the plus (+) icon at the top right corner Select New Message Choose a friend to start a chat with — you can add them by their phone number, or sync your phone contacts to see who's already on OKXStep 2: Send crypto using Pay Once your chat is set up, sending crypto is easy: In the chat, tap the plus (+) icon at the bottom right Select Pay Set the amount and currency you’d like to pay with Tap Pay to complete the transfer Your

Earning rewards is easy: Activate Pay and complete identity verification Add at least 1 USDG on X Layer to your Pay balance. Hold your stablecoins and earn rewards automatically. Rewards accrue daily and are distributed to your Pay balance after 10:00 AM UTC on every Monday. Any pending rewards will show the day after accrual at 4:00 AM UTC. Once distributed, rewards are credited directly to your USDG balance.3. How are Pay rewards calculated?