> For the complete documentation index, see [llms.txt](https://x0pay.gitbook.io/testnet/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://x0pay.gitbook.io/testnet/x0pay-your-everyday-web3-wallet.md).

# x0pay – Your Everyday Web3 Wallet

x0pay is a web3 wallet that abstracts blockchain complexities for users, providing an efficient on/off-ramp for cryptocurrency payments.

The platform leverages email-embedded account abstraction and chain abstraction on x0network Layer3 (L3), enabling cross-chain transactions via auto-bridging, intelligent netting, and integration with centralized exchanges (CEX) and payment gateways for fiat disbursement.

All begins with just email address and self-custodial wallet ready for your web3 journey!