Starting with v1.5.0, every fund-moving action on MPChat is gated by your Passkey. Withdrawals to the chain require Passkey + one 2FA factor (two-step), while internal transfers, friend transfers, red packets, and wallet moves require Passkey only (single step). This article walks each flow end-to-end so you know exactly what to expect — and what to do if you have not added a Passkey yet.
How fund flows verify with Passkey
Different actions move funds with different risk profiles. MPChat applies the lightest verification that still keeps funds safe — Passkey for in-platform moves, Passkey + 2FA for off-platform withdrawals.
On-chain withdrawal — two-step (Passkey + 2FA)
When you start a withdrawal to an external wallet, MPChat shows a (1/2) step counter at the top of the verification page so you can see there are two steps:
Step 1 of 2 — Passkey. Tap Verify now; the system Passkey sheet pops up. Confirm with Face ID / fingerprint / PIN.
Step 2 of 2 — One 2FA factor. Pick one of SMS, email, or Google Authenticator (3-pick-1) and enter the code.
Pass both steps to reach the withdrawal success screen.
If you cannot complete Passkey (e.g. you lost the device with the Passkey), tap Security verification unavailable on the Passkey screen — this opens the Reset Passkey flow so you can re-bind on the new device. Note that resetting Passkey via face liveness disables withdrawal for 24 hours.
If your Passkey check fails (or you close the system sheet), MPChat dialogs "Passkey verification failed. Please try again or switch the verification method." Tap Got it and either retry or use the reset flow.
Internal transfer in chat — Passkey only
When you tap Transfer inside a friend chat or group chat, MPChat fires the system Passkey sheet directly after you confirm the amount. There is no separate 2FA step — internal transfers stay on-platform, so Passkey alone is enough. See MPChat Internal Transfer Rules for context on transfer limits.
Red packets — Passkey only
Sending an individual or group red packet is also gated by Passkey alone. The flow:
Choose amount, count, and message.
Tap Send — the system Passkey sheet pops up.
Confirm with biometrics — the red packet is delivered to the chat.
For red-packet rules and expiry, see Does the red packet I sent have an expiration date?
Wallet move (between your own MPChat balances) — Passkey only
Wallet → Wallet moves (e.g. between your USDT and USDV balances) require Passkey only. Same single-step pattern as in-chat transfer.
If you have not added a Passkey yet (legacy users)
Older accounts that have not added a Passkey will see a blocking onboarding sheet the first time they try a fund-moving action after upgrading to v1.5.0. The wording is:
For stronger fund-security protection, the account system has been fully upgraded. After the upgrade, withdrawals, transfers, red packets, card applications and other important operations require Passkey verification.
Tap Add Passkey to jump to the Passkey explainer and complete first-time Passkey setup. Once added, you are returned to the original action and a toast says "Added successfully".
What if Passkey verification keeps failing during withdrawal?
Cross-device verification: in step 1, you can tap Use a passkey on a different device and finish on another phone where your Passkey lives. If that phone fails, the same dialog still appears on the original device.
Repeated failures usually mean the device's biometric module is busy / locked — wait a few seconds and retry. After three consecutive failures, switch to device PIN.
If you are sure the Passkey is gone (lost / damaged phone), use the Reset Passkey flow.
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