⚡ Quick summary (TL;DR)
Pay is your in-app balance: deposits, withdrawals, receiving, transfers, and the funds your card spends all live in this tab.
Web3 Wallet is your on-chain wallet: managed separately from the Pay balance, with its own assets shown independently.
Total assets sit at the top of the home screen: open asset details to see each holding broken down by currency.
Common actions are on the first screen; the rest are under More: More opens a second-level page grouping the remaining entries into transactions, cards, and others.
📖 Overview
After the redesign, assets and cards are clearly separated: the most-used actions stay on the first screen and the rest move into a More page. If you are looking for an entry where it used to be, this article explains where it went.
The exact wording on screen is whatever your App shows. If you still see the old layout, update the App to the latest version first.
💳 The difference between Pay and Web3 Wallet
Direct answer: Pay is the balance you use inside MPChat; Web3 Wallet is an on-chain wallet. Their assets are shown and managed separately.
Item | Pay | Web3 Wallet |
Mainly used for | In-app payments, withdrawals to external addresses, funding card spending | Holding and managing on-chain assets |
Common actions | Deposit, withdraw, receive, transfer | Viewing and managing on-chain assets |
Which side your card spends from | The Pay balance | Not used for card spending |
In short: everyday deposits, withdrawals, and card-related actions happen on the Pay side. Web3 Wallet is a separate area and does not affect your card or in-app balance.
📊 What you see on the home screen
Total assets: shown at the top of the screen — the sum of what you hold in the current tab.
Asset details: opened from total assets, listing each holding by currency.
Common action shortcuts: high-frequency actions such as deposit, withdraw, receive, and transfer sit right on the first screen.
More: opens a second-level page holding the remaining entries.
If you do not have a card yet, no application-progress bar is shown — progress hints appear only after you apply. When you get your first card, the App runs a one-time gesture hint showing how to view card details.
🔍 What lives under More
The More page groups the remaining functions into three sets so you can look by purpose:
Transactions: lookup entries such as transaction history.
Cards: card management and card information entries.
Others: the remaining, less frequently used functions.
ℹ️ If you cannot find an entry
Check the three groups on the More page first. If it is still missing, make sure the App is on the latest version, or ask in-app customer support.
❓ FAQ
Where did the old “Estimated Total Assets” go?
It is now simply total assets, still at the top of the home screen. To see per-currency amounts, open asset details from total assets.
Some functions are no longer on the first screen. Were they removed?
No. The redesign moved less frequently used entries into the More page; the functions themselves still work.
Why do I not see a card application progress bar?
Accounts that have never applied for a card do not show it. Once you apply, the status appears in your wallet.
📚 Related articles
💬 Still have questions? Contact official support
Reach us through in-app customer support in the MPChat App. Support will never ask for your password, verification code, or passkey.
This article is help-centre reference. Features and fees follow what the App shows and the current terms.