XTRM uses one-time passcodes (OTP), sometimes called Multi-Factor Authentication (MFA), during login and certain transactions, such as bank transfers, for additional security. These are sent via email or 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.


If you are not getting the option to have them texted to you, then please add your mobile number to your profile.


If it arrives via email and doesn't work because it timed out, that is due to your email provider or internal company system slowing down the email. We send them instantly. If you can log in, add your mobile to your profile to allow sending via text. If not, email us at support@xtrm.com and request we add your mobile to your profile.





One-time passwords are also required to confirm transfers.






One Time Password (OTP) or Multi-factor Authentication (MFA) is defaulted to OFF for all accounts. Logging in from a different IP address will prompt you for an OTP.  For added security, companies and individuals can enable this feature to ON, which will prompt an OTP at every login.