Profiles | Xona Docs

How xPay stores encrypted wallets and derives Solana and EVM keys from one mnemonic.

Each profile is a directory under ~/.xpay/:

~/.xpay/
└── default/
    ├── wallet.json    # BIP-39 seed, AES-256-GCM encrypted
    └── config.json    # networks, guardrail, RPC overrides

One mnemonic derives Solana (m/44'/501', Phantom-compatible) and EVM (m/44'/60', MetaMask-compatible). Override the root with XPAY_HOME, or use xpay init --workspace for project-local profiles.