XDC Wallet: xdc vs 0x Addresses, Fees and Sending XDC

xdc and 0x addresses: the same account

XDC accounts are standard 20-byte EVM addresses. Many XDC wallets, explorers and exchanges display them with an xdc prefix, for example xdc5aaeb6053f3e94c9b9a09f33669435e7ef1beaed, instead of the 0x prefix Ethereum uses. Only those first characters differ: the 40 hex characters after the prefix are identical, and both forms point to exactly the same account and balance on XDC.

Keylo shows your address in the 0x form, but you can paste either form when sending: Keylo recognises an xdc-prefixed address and converts it to 0x for you before checking it. If an exchange asks for your XDC deposit address in the xdc form, replace the leading 0x with xdc yourself and leave the other 40 characters untouched, then compare the two carefully.

Going the other way, some XDC exchanges ask for the xdc form in their withdrawal forms. Take your Keylo 0x address, swap 0x for xdc, and paste that. If the exchange accepts either, use the form it shows as an example.

How to create an XDC wallet with Keylo

Keylo never receives your password, phrase or keys; it stores only the encrypted wallet, so it cannot move or recover your XDC. You can import a 12- or 24-word phrase from another wallet, but note that XDC has its own registered coin type, 550, and some XDC-specific wallets and hardware wallet apps derive on it. Keylo uses Ethereum's path, so a phrase from one of those wallets may show a different address.

1. 1

   Go to create a wallet in a modern browser on phone or desktop. No extension is needed.

2. 2

   Register with your name, email, phone and a strong password, then confirm your email.

3. 3

   Keylo generates a 12-word recovery phrase in your browser and encrypts it locally with a key derived from your password.

4. 4

   Open XDC Network in your network list to see your XDC balance and 0x address.

5. 5

   Reveal the phrase in Settings with your password and write it down offline.

How to receive XDC

XDC once existed as an ERC-20 token on Ethereum before its own network was the main home of the coin, and wrapped versions can still appear on other chains. Native XDC on XDC Network is what Keylo shows under XDC. If an exchange offers several networks for XDC, pick the one named XDC or XDC Network and send a small test first.

1. 1

   Open XDC in Keylo and tap Receive.

2. 2

   Copy the 0x address or show its QR code. Keylo labels the network XDC Network.

3. 3

   If the sender's exchange or wallet only accepts the xdc format, replace 0x with xdc before giving it to them.

4. 4

   Ask them to send on the XDC Network itself, not an ERC-20 or wrapped version of XDC on another chain.

5. 5

   Watch Activity. XDC blocks are final within seconds, and each entry links to the explorer.

How to send XDC

Before confirming, compare the address on the review screen with the original, ignoring only the first two or three characters. Because XDC addresses circulate in two formats, scammers sometimes rely on people being used to small differences. A proper conversion changes the prefix and nothing else.

1. 1

   Open XDC or an XRC-20 token and tap Send.

2. 2

   Paste the recipient's address in 0x form, converting from xdc if needed, or scan its QR code. Keylo validates the checksum and flags contracts.

3. 3

   Enter the amount or tap Max.

4. 4

   Choose slow, normal or fast, then review the exact amount and the network fee.

5. 5

   Confirm to sign in your browser and broadcast to XDC Network.

Fees on XDC Network

Gas on XDC is paid in XDC and priced per unit of gas, as on Ethereum. The network keeps gas prices very low, so a simple transfer costs a tiny fraction of an XDC, which is one reason businesses use it for high-volume settlement. Contract calls, such as interacting with a tokenised invoice or a DEX, use more gas and cost proportionally more.

Keylo's slow, normal and fast options adjust the gas price it offers above the network's current level. With two-second blocks and BFT finality, a transaction normally confirms within a few seconds whichever you pick. The review screen shows the fee before you sign, and Keylo adds nothing to normal sends.

Tokens on XDC: XRC-20 and real-world assets

Tokens on XDC follow the XRC-20 standard, which is functionally the same as ERC-20, so they live at your 0x address and need XDC for gas. Alongside stablecoins and DeFi tokens you will find tokens representing real-world assets, such as tokenised trade finance instruments, issued by regulated platforms. Some of those are restricted to verified investors and may not be freely transferable.

Check any token's contract on the XDC explorer and with its issuer before trading. Tokens that claim to represent invoices, gold or other assets are only as good as the legal arrangement and the company behind them, and a token's name or logo proves nothing on its own.

Swap or bridge XDC

XDC Network is supported for swaps and bridges in Keylo through LI.FI, which searches XDC DEXs and audited cross-chain bridges. Common uses are swapping XDC for a stablecoin or moving value to Ethereum and other supported chains; use 0x addresses throughout. The quote lists the route, the expected and minimum amounts and every fee, including any small service fee. See swap and bridge.

Keylo tracks bridge transfers until they arrive, and a route that cannot complete is refunded by the protocol to the sending wallet. Staking XDC to run or support a masternode is a separate process with its own requirements, done with XDC's own tools rather than in Keylo.

Masternodes, staking and the Apothem testnet

XDC's validators are masternodes: operators lock a large stake of XDC, run a server, and compete to be among the 108 active nodes that produce blocks. Holders who do not run a node can support candidates through XDC's staking tools and share in rewards, subject to the network's rules for lockups and withdrawals. None of this happens in Keylo, which holds and moves XDC but does not stake it.

XDC also runs a public testnet called Apothem, with chain ID 51, where developers try contracts with free test XDC. Keylo does not include Apothem, so test coins sent to your address there will not show up. Test XDC has no value, and anyone offering to sell it, or to swap it for real XDC, is running a scam.

XDC safety tips

• When converting between xdc and 0x, change only the prefix and compare every other character.
• When you convert between xdc and 0x by hand, change only the prefix and double-check the rest by eye.
• Pick the XDC Network for withdrawals, not an ERC-20 or wrapped version elsewhere.
• Be careful with tokens claiming to represent trade finance or real-world assets; verify the issuer.
• Keep your recovery phrase offline and enable two-factor authentication. How Keylo protects your funds explains each option.
• Set an anti-phishing code so you can recognise genuine Keylo emails.

Frequently asked questions