Etherlink Wallet: Get XTZ to Your 0x Address and Bridge to Tezos

An Etherlink wallet is any EVM wallet that can hold and send XTZ and tokens on Etherlink, the layer 2 that runs on Tezos Smart Rollups. It uses an ordinary 0x address, and every fee is paid in XTZ, the same tez that Tezos uses. Transfers confirm in about half a second and cost well under a tenth of a cent.

The catch is getting XTZ there. Many exchanges send XTZ only on Tezos itself, to addresses starting with tz1, which an Etherlink 0x address can't receive. And moving XTZ back to Tezos through the official bridge takes about 15 days. Figures below are as of October 2026.

Etherlink at a glance#

How an Etherlink wallet works#

Etherlink is a rollup: a sequencer orders transactions and publishes them to Tezos layer 1, where anyone running a node can check them and dispute a wrong result. For you, it behaves like any EVM chain: the balance lives on Etherlink, and your wallet holds the key.

Your Etherlink wallet address vs your Tezos address#

An Etherlink wallet address is 0x followed by 40 hexadecimal characters (0 to 9 and a to f), for example 0x5aE3…C07b in shortened form. It's the same address you use on Ethereum, Base or any other EVM network. Keylo derives it on m/44'/60'/0'/0/0, and Etherlink's network page lists the same Ethereum path, so MetaMask and Keylo agree.

A Tezos address looks different. It starts with tz (usually tz1, 36 characters in all), or KT1 for a contract, and it comes from different keys. So your Tezos wallet and your Etherlink wallet are separate accounts, even when one app shows both. Never paste one where the other belongs.

The new Michelson interface#

Since the Etherlink 7.0 (Ganesha) upgrade on August 21, 2026, Etherlink has a second interface. The Michelson interface runs Tezos-style contracts and accounts, so tz1 addresses now exist on Etherlink too, next to 0x ones. Each account is native to one interface. When it first interacts with the other one, Etherlink gives it an alias address there (a KT1 contract for a 0x account).

Keylo works only with the EVM interface, so your Keylo balance is whatever sits at your 0x address. For Tezos accounts on the Michelson side, use a Tezos wallet such as Temple.

Types of Etherlink wallets and how to choose one#

Etherlink's docs say any wallet that supports custom EVM networks works. So the options fall into a few types.

• EVM extension and mobile wallets. The docs name MetaMask, Rabby, Trust Wallet, Coinbase Wallet, Nightly and Altme. These can connect to Etherlink's bridges and to DEXs such as Curve and Oku.

• Tezos wallets with Etherlink support. Temple is on the same list, which helps if you also keep XTZ on Tezos layer 1.

• Exchange accounts. Only some exchanges send XTZ on Etherlink, and the exchange holds the keys.

• Web wallets. These run in a browser tab with nothing to install. Keylo is one of them.

Look for three things in an Etherlink wallet. It should already know chain ID 42793 and label the network clearly, so Tezos XTZ and Etherlink XTZ never get mixed up. If you'll bridge to Tezos, it must also connect to Etherlink's bridge site.

Keylo suits people who want to hold, send and swap XTZ and stablecoins on Etherlink with nothing to install. It can't connect to dapps and has no Tezos layer 1 address, so use another wallet for the Tezos bridge, Etherlink DeFi or the Michelson interface.

How to set up an Etherlink wallet in Keylo#

Keylo lists Etherlink out of the box, so there's nothing to add.

1. Open the Keylo registration page. Fill in your full name, email, phone number and password, accept the terms and tap Create account.

2. Confirm your email address if you see "Check your inbox".

3. Tap Create a new wallet. Your browser generates a 12-word recovery phrase and encrypts it with a key derived from your password (Argon2id, then AES-256-GCM) before anything is saved.

4. Open Etherlink from your asset list to find your 0x address.

5. Save the phrase. Under Settings, choose Recovery phrase, re-enter your password and tap Show my phrase. Copy the words onto paper, tap I wrote them down and confirm three words.

6. Switch on Two-factor authentication and set an Anti-phishing code while you're there.

Keylo never had a readable copy of the phrase, and a password reset won't open the old wallet, so keep the paper somewhere safe.

Bringing a MetaMask or Temple phrase#

Tap Import a recovery phrase and enter your words (Keylo takes 12, 15, 18, 21 or 24). A MetaMask phrase shows the same Etherlink address, since both use the standard EVM path. A Temple phrase gives you its EVM account's address in Keylo only if Temple derived that account on the same path. Keylo can't show the phrase's Tezos tz1 account at all.

How to receive XTZ and tokens on Etherlink#

1. Tap Receive and pick Etherlink. The screen says "Receive on Etherlink" and shows your QR code.

2. Tap Copy or Share, or let the sender scan the code.

3. If the sender is an exchange, it must offer Etherlink as the withdrawal network. Gate listed an Etherlink option for XTZ in October 2026, and Etherlink's docs also name MEXC and AscendEx.

4. Open Etherlink in Keylo. The deposit shows under Activity, with a link to the Etherlink explorer.

Keylo's Receive screen notes that the address is shared across EVM networks. So USDC sent to you on Base or Arbitrum isn't lost. It waits under that network in Keylo until you bridge it over.

Getting your first XTZ onto Etherlink#

If your exchange only sends XTZ on Tezos, you have two routes.

The official one goes through Tezos. Withdraw to a Tezos wallet such as Temple, open the Tezos bridge at bridge.etherlink.com/tezos, then connect that wallet plus an EVM wallet. Deposits are usable on Etherlink right away. Keylo can't connect to the bridge, so if the EVM wallet you used isn't Keylo, send the XTZ on to your Keylo address afterwards.

The other route stays in Keylo: swap a little USDC on Base for XTZ on Etherlink, as described below. Test quotes in October 2026 found a route for $20 but not for $500, so treat it as a way to get gas money. Either way, make XTZ your first deposit, because tokens can't move without it.

How to send XTZ on Etherlink#

1. Tap Send and choose XTZ or a token on Etherlink.

2. In To, paste or scan a 0x address. Keylo refuses a tz1 address as invalid, because it isn't an EVM address.

3. Enter an amount or tap Max, which leaves enough XTZ for the fee.

4. Tap Review. Slow, Normal and Fast show the same cost here, because Etherlink ignores tips and charges every sender the current gas price.

5. Check the network, the full address with its first and last six characters in bold, and the fee in XTZ.

6. Tap Send. Keylo signs locally and shows "On its way", then "Sent", with a View on Etherlink link to the explorer.

What Keylo catches#

Keylo test-runs each transfer before you sign. If the network says it would fail, for example because a token contract rejects it, you see the reason on the review screen instead of paying gas. Keylo also flags:

• Missing gas. Sending USDC without XTZ shows "You need some XTZ on Etherlink to pay the network fee."

• A contract recipient. Keylo warns that tokens sent to a contract that doesn't expect them are usually lost.

• The token's own address. Keylo blocks sends to a token's contract.

• Addresses from other chains. A Bitcoin or Solana address gets a message naming its network, and a Tezos address is refused as invalid.

Etherlink's sequencer silently rejects a transaction whose maximum fee falls below the current gas price. Keylo's Normal level allows up to twice the gas price at the moment you send, which covers ordinary spikes. If a transfer still says "On its way" after a minute, tap Speed up.

Etherlink gas fees explained#

An Etherlink fee has two parts, both paid in XTZ. The execution fee is gas used times the gas price, which never drops below 1 gwei and rises only when usage stays above a target of 13.5 million gas per second. The inclusion fee pays for posting your transaction to Tezos: 0.000004 XTZ times 150 plus its data size in bytes.

Etherlink folds the inclusion fee into the gas figure. That's why a plain XTZ transfer estimated at 623,766 gas on October 24, 2026, instead of Ethereum's 21,000. But at 1 gwei it still cost only about 0.0006 XTZ, roughly two hundredths of a cent with XTZ near $0.30.

The gas price sat at its 1 gwei floor that day, and the network suggested a tip of zero. Tips wouldn't help anyway, because the sequencer handles transactions first come, first served. The execution part is burned, and the inclusion part goes to the sequencer.

Keylo's review screen shows a slightly higher figure, about 0.0008 XTZ for an XTZ transfer, because it adds a 25% margin to the gas estimate. The network charges only the gas actually used. Keylo adds no fee of its own, and the review screen says so.

Blocks came about every 1.2 seconds in a 2,000-block sample that day, and the sequencer can speed up to one every 500 ms when busy. The Etherlink fee docs explain both formulas.

Bridge and swap from your Etherlink wallet#

Keylo finds swap and bridge routes on Etherlink through LI.FI, which compares DEXs and bridges. Swaps within Etherlink, such as USDC to XTZ, are the dependable part. Cross-chain routes, labeled Bridge, are thinner: on October 24, 2026, LI.FI quoted small amounts between Base and XTZ on Etherlink in both directions, but nothing for $500 of USDC coming in or for USDC leaving.

1. Tap Swap. Under You pay, choose a token on Etherlink or on the network you're coming from.

2. Under You receive, pick the destination network and token, by name or contract address.

3. Compare routes by amount, time and fees.

4. Open the details for each step, Minimum you receive and Delivered to, which is your own address on the destination.

5. Approve the exact amount if you're spending a token, confirm, and follow the progress screen.

Slippage defaults to 0.5%, so a quote won't fill at a much worse price. A bridge either delivers or refunds, sometimes as a different token that still reaches your wallet. Any Keylo service fee is shown on its own line. The swap and bridge page explains refunds and routes.

For larger amounts, Etherlink's own EVM bridge at bridge.etherlink.com/evm moves USDC, USDT, WETH and WBTC to Ethereum, Arbitrum, Base and other networks, but it needs a wallet that connects.

Bridging between Etherlink and Tezos#

LI.FI routes run between EVM networks, so they don't reach Tezos layer 1. For that, use the official Tezos bridge instead, with a Tezos wallet and an EVM wallet that connect. Standard withdrawals wait about 15 days for the rollup commitment to be cemented on Tezos. A fast withdrawal pays you within about a minute, minus a fee, from a liquidity provider. The Tezos bridge docs cover both.

Tokens and collectibles on Etherlink#

Etherlink tokens are ERC-20s. Stablecoins and blue chips arrive as wrapped tokens through Etherlink's LayerZero bridge, so check the contract:

• USDC 0x796Ea11Fa2dD751eD01b53C372fFDB4AAa8f00F9

• USDT 0x2C03058C8AFC06713be23e58D2febC8337dbfE6A

• WETH 0xfc24f770F94edBca6D6f885E12d4317320BcB401

• WBTC 0xbFc94CD2B1E55999Cfc7347a9313e88702B83d0F

Keylo reads your Etherlink token balances from the explorer, so tokens you hold appear without adding them. That includes junk tokens strangers send you, so judge a token by its contract, not its name. You can still add one by contract under Settings, Networks, Custom tokens, Add token.

Once your address holds NFTs, Keylo shows a read-only Collectibles grid on the Etherlink page, with each item linking to the explorer. Keylo can't send or mint NFTs, so move them with a wallet that connects to a marketplace.

What Keylo doesn't do on Etherlink#

• No Tezos layer 1. Keylo has no tz1 address and can't use the Tezos bridge or the Michelson interface.

• No dapp connections. There's no extension or WalletConnect, so Etherlink's bridge site, DEXs, lending apps and NFT marketplaces need another wallet.

• No staking. Keylo stakes only on Cosmos SDK chains. Baking and staking XTZ happen on Tezos layer 1, in a Tezos wallet.

• No testnet. Etherlink's Shadownet testnet isn't available in Keylo.

• No NFT transfers, hardware wallets or card purchases.

Keylo holds no copy of your keys. If you lose your password and your recovery phrase, the wallet is gone for good, and Keylo can't restore it. The Keylo networks page shows where else the same phrase works.

Etherlink scams and mistakes to avoid#

• Fake bridges. Etherlink's official bridges sit at bridge.etherlink.com. Lookalike domains in ads or replies ask you to connect and approve, then drain the wallet.

• Airdrop and points bait. Fake reward campaigns promise free XTZ or tokens if you connect a wallet or verify it. A real claim never asks for your recovery phrase.

• Fake tokens. Anyone can mint a token called USDC or XTZ, so only the contract address counts.

• Address poisoning. Tiny transfers from addresses that mimic yours or a friend's are cheap here. Copy addresses from the source, never from your history.

• Fake support. Keylo staff never ask for your phrase or password. Use Keylo's support page, and read how Keylo keeps your wallet safe.

Before the first real transfer from your Etherlink wallet:

1. Your recovery phrase is on paper and confirmed in Keylo.

2. You hold some XTZ on Etherlink, not just on Tezos (0.01 XTZ covers about ten token transfers).

3. The sender picked Etherlink as the network.

4. You pasted a 0x address and compared its middle characters.

5. A small test transfer arrived first.

Rollups on Ethereum work in a similar way. See the Arbitrum wallet guide and the Ethereum wallet guide.

Etherlink wallet FAQ#