Convert to Pay is a feature that allows you to seamlessly convert the assets in your smart account—both stablecoins and non-stablecoins across multiple blockchain networks—into Pay-enabled assets like USDG, USDT or USDC on the X Layer network. This ensures your funds are ready to use for payments, purchases, or other transactions in supported services.How do I access this feature?

Payments are even more seamless with our instant messaging (IM) feature. For group chats, you can send crypto using gifts instead.1.

For added security, it also includes a recovery feature to ensure you don't get locked out of your assets. By combining top-notch security with advanced cross-network compatibility and convenient features like fee-free transactions on X Layer, Pay account make it easier than ever to manage your crypto.Do I have to have an OKX exchange account to have a Pay account?