Getting Started

This page walks through the core steps to start using Silo: create an account, claim a username, set receiver preferences, and make your first payment.

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Step 1 — Create an account

Provide an email address or phone number. No identity verification is required to get started. Personal tier accounts are active immediately.

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Step 2 — Claim your username

Choose a unique username (e.g., @alice). This is your permanent payment identity across all chains. Once claimed, your username cannot be changed. Anyone can send you a payment using just this username.

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Step 3 — Set your receiver preferences

Configure how you want to be paid: select your preferred chain, preferred asset, and one or more payout wallets. These preferences apply to every incoming payment. You can update them at any time. For a detailed explanation, see Usernames & Receiver Preferences.

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Step 4 — Send or receive a payment

Connect any existing wallet on a supported chain. To send, enter the recipient's username and a dollar amount, choose which asset and chain to pay from, and confirm. One wallet signature is all that's needed. To receive, share your username or generate a payment request QR code. Incoming payments are automatically routed to your wallet according to your saved preferences.

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Step 5 — Withdraw

When you receive a payment, your Silo account is credited. Initiate a withdrawal by signing from your primary wallet (the first wallet in your receiver preferences). Funds are delivered to your wallet(s) according to your preferences.

What's next

To understand the full payment flow under the hood, see Payments Flow. To learn about fee tiers and verification levels, see Three-Tier System. To understand how privacy works on every transaction, see Privacy Model.