XL Pay™ · new to crypto
New to crypto? Start here.
You don't need to understand blockchain to get paid with it. You need two apps, one sheet of paper and about 20 minutes. This guide walks you through setting up, getting paid and getting the money into your bank, plus the rules that keep it safe.
The one rule above all: never share your recovery phrase. Xperience Levels will never ask for it, and neither will Phantom, Coinbase or anyone legitimate.
Six words, explained
The only terms you need.
Stablecoin
A coin that is always worth $1, like USDC. $50 stays $50. This is what XL Pay is built around.
Wallet
An app on your phone that holds your coins. You control it, not a bank. Think of it as your own account.
Address
A long code that tells people where to send money, like an account number. It's safe to share.
Recovery phrase
The 12 (or 24) secret words that unlock your wallet. Whoever has them has your money. Never share them.
Network
The road the money travels on, like Solana or Base. Sender and receiver have to use the same one.
Exchange
An app like Coinbase or Kraken where you turn coins into US dollars and send them to your bank.
The apps we recommend
One wallet to get paid. One app to cash out.
Phantom
Your wallet. Where payments land.
Free, simple, and works on Solana, Ethereum, Base and Polygon. It's yours: nobody can freeze it or hold your money.
Get PhantomCoinbase
Your bridge to the bank.
Sell USDC for dollars one-to-one with no fee, then transfer to your bank for free (usually 1 to 3 business days).
Open a Coinbase accountKraken (optional)
A second cash-out option.
Also converts USDC to dollars with no fee (up to $100,000 a day) and transfers to your bank for free.
Open a Kraken accountWe don't get paid to recommend these apps. Fees and timing are set by those companies and can change; checked October 2026. Take PayPal USD instead? It goes to your PayPal balance (PayPal charges 1.5% when it arrives from an outside wallet).
For business owners · about 20 minutes
Set up in 7 steps.
- 1
Download Phantom
From the App Store or Google Play. Check that the developer is Phantom before you install. Fake copies exist.
- 2
Create a new wallet
Phantom shows you 12 secret words. Write them on paper, in order. Keep the paper somewhere safe at home, and a second copy in another safe place.
- 3
Lock it
Turn on Face ID or a passcode in Phantom.
- 4
Open a Coinbase account
Verify your ID inside the Coinbase app (never by email or DM). Turn on 2-step verification with an authenticator app.
- 5
Save your Coinbase deposit address
In Coinbase: Receive → USDC → Solana. Copy that address and save it in Phantom’s address book as “My Coinbase”. We do this step with you.
- 6
Connect Phantom to XL Pay
You give us your Phantom receiving addresses (they are safe to share). We connect them to your counter screen and pay links.
- 7
Run a $1 test
Pay yourself $1, watch it land, send it to Coinbase, sell it and send it to your bank. Now you know the whole path works.
Rather do it together? Every XL Pay setup includes this, start to finish, with a real test payment. Book a setup call.
Cash out
From your wallet to your bank in 3 steps.
Send to Coinbase
In Phantom: tap USDC → Send → choose “My Coinbase”. Check it says Solana. Send a small amount the first time.
Sell for dollars
In Coinbase: USDC → Sell → US dollars. One USDC is one dollar, with no fee.
Withdraw to your bank
In Coinbase: Transfer → Withdraw → your bank. Standard bank transfers are free and usually take 1 to 3 business days.
Kraken works the same way. More options, like PayPal and selling inside your wallet, are on the XL Pay page.
For customers
Paying a business with XL Pay.
Have a stablecoin
USDC in Coinbase or Phantom, or PayPal USD in PayPal or Venmo. If you hold USDT, swap it to USDC in your wallet first.
Scan the QR code
The counter screen or pay link shows a code for the exact amount. Scan it with your wallet app, check the amount and approve.
You're done
The business sees “Paid” in seconds, and you get an email receipt if you asked for one.
Stay safe
What to do, and what never to do.
Do
- Write your recovery phrase on paper and keep two copies in safe places
- Send a small test amount before any big transfer
- Check the network matches (Solana to Solana) before you send
- Check the first and last few characters of every address
- Keep a couple of dollars of SOL in Phantom to pay tiny network fees when you send
- Turn on Face ID or a passcode, and 2-step verification on Coinbase
- Keep your XL Pay sales report (CSV) for your accountant
Never
- Never share your recovery phrase or private key with anyone. Not us, not “support”, not family
- Never type your recovery phrase into a website, form, email or chat
- Never photograph it, screenshot it or save it in notes, email or the cloud
- Never trust a DM or call from “support”. Real support never contacts you first
- Never connect your wallet or approve anything on a site you don’t know
- Never click links for free tokens, airdrops or “claim your reward”
- Never send on a different network than the receiver uses
- Never send your whole balance at once to a new address
If someone asks for your 12 words, it's a scam. Every time, no exceptions. Stop, don't reply, and call us at (480) 418-8171 if you're unsure.
Questions
What people ask us
XL Pay™ is software from Xperience Levels LLC. Payments go directly from the customer's wallet to yours; we never hold funds or keys. Not financial, legal or tax advice.
