XTRM uses one time passcodes (OTP) sometimes known as Multi-Factor Authentication (MFA) during login and also during certain transactions such as bank transfers for an additional level of security. These are sent via email or via text if the user or company has their mobile number in their profile.
One time passwords are sent instantly and expire after a short period of time.
If you are not getting the option to have them texted to you then please add you mobile number to you profile.
If it arrives via email and doesnt work since timed out, that is due to your email provider or your internal company system slowing down the email. We send them instantly. If you are able to login then add your mobile to your profile to allow sending via text which is faster. If not, then email us at firstname.lastname@example.org and request we add you mobile you your profile.
One time passwords are also required to confirm transfers.