Borderless Payments

Borderless Payments covers the payment infrastructure attached to your Onyx account.

Payment features can include:

wallet creation
wallet connection
send and receive
swaps
card access
FX conversion
transaction activity
payment-linked verification

Availability depends on:

region
account state
verification status
wallet readiness
supported chains
supported payment rails

Not every payment feature is available for every account or region.

Payments

Payment availability panel

Toggle account readiness, verification, regional support, and rails to see which actions are available.

Receive

Available

Requires wallet readiness and supported asset.

Send

Blocked

Requires balance, verification, wallet readiness, and supported rail.

Swap

Blocked

Requires supported assets, quote, and wallet approval.

Card

Blocked

Requires issuer support and account eligibility.

Blocked

Requires supported currencies and quote confirmation.

Wallet Structure

Onyx supports account-linked wallet functionality.

Depending on account state and enabled features, you may be able to:

create a wallet
connect an external wallet
recover wallet access
fund the wallet
review balances
use wallet balance for supported payment actions

Wallet support can vary by:

supported blockchain
supported wallet type
backup state
recovery state
regional availability

Some actions may require wallet backup confirmation before they become available.

Supported Payment Actions

Depending on account eligibility, supported actions can include:

receive
send
swap
pay
card funding
FX conversion

Every action depends on:

available balance
supported asset type
supported chain
verification state
wallet connectivity
regional availability

Unsupported assets, unsupported chains, or unavailable rails can block payment actions.

Receiving Funds

Your account may provide supported receive addresses for eligible assets and chains.

Before receiving funds, confirm:

the correct asset
the correct network
supported chain compatibility

Sending unsupported assets or using the wrong chain can result in failed or unrecoverable transfers.

Some receive addresses may change depending on:

wallet state
chain support
custody configuration
recovery state

Sending Funds

Send actions require:

available balance
supported destination
supported chain
successful signing
wallet readiness

Before sending funds, review:

destination address
chain
fees
estimated settlement state

Some transfers can require:

additional confirmation
signature approval
verification refresh
account review

Transfers can fail if:

balance is insufficient
the destination chain is unsupported
signature approval expires
network congestion interrupts confirmation
the transaction exceeds supported limits

Swap And Conversion

Swap and FX features are available only on supported assets and rails.

Before confirming a swap or FX action, the app can show:

source asset
destination asset
quoted rate
estimated fees
slippage or spread where applicable
transaction expiration window

Rates can change before confirmation depending on:

market movement
liquidity
chain congestion
provider availability

Some swaps can expire before completion if confirmation takes too long.

Card Features

Card features can depend on:

region
verification status
wallet readiness
active account state
supported issuer availability

Depending on account eligibility, card areas can include:

virtual card access
card funding
FX-linked spending
transaction activity
card state management

Card actions can appear as:

active
frozen
pending
suspended
expired
unavailable

Not every supported payment region supports card issuance.

Transaction States

Payment activity can appear as:

created
awaiting signature
submitted
pending
confirming
completed
failed
cancelled
expired

Activity history can also appear as:

syncing
delayed
unavailable

Blockchain confirmation time can vary depending on:

network congestion
chain conditions
provider synchronization
wallet connectivity

Verification And Restrictions

Some payment actions require additional verification before they become available.

Verification requirements can depend on:

region
transaction size
payment rail
card eligibility
wallet recovery state
regulatory requirements

Your account can show:

verification required
verification pending
verification expired
verification failed
account under review

Some payment actions may remain unavailable until verification completes successfully.

Wallet Recovery

Recovery behavior can vary by:

wallet type
backup state
custody model
recovery configuration
supported chain

Recovery may require:

backup confirmation
device confirmation
identity verification
wallet reconnect
account review

Some recovery flows can temporarily restrict payment actions until the account is verified again.

What Can Affect Availability

Payment features can become unavailable because of:

unsupported region
unsupported chain
unsupported asset
wallet disconnect
verification expiration
failed backup state
provider outage
regulatory restrictions
account review
insufficient balance

The app should show the current restriction before a payment action begins.

Activity And History

Your account can show:

transaction history
funding activity
wallet transfers
swap history
card activity
payment state changes

History synchronization can vary depending on:

chain indexing
provider availability
network confirmation timing

Some activity may appear delayed during periods of high network congestion.