diff --git a/apps/pay/src/address.ts b/apps/pay/src/address.ts
index e18b70a..f61abe6 100644
--- a/apps/pay/src/address.ts
+++ b/apps/pay/src/address.ts
@@ -17,6 +17,11 @@ function getXpub(coin: string): string {
   return val;
 }
 
+export function hasXpub(coin: string): boolean {
+  const key = `XPUB_${coin.toUpperCase()}`;
+  return !!process.env[key];
+}
+
 export function derive(coin: string, index: number): string {
   const xpub = getXpub(coin === "xec" ? "xec" : coin);
 
diff --git a/apps/pay/src/routes.ts b/apps/pay/src/routes.ts
index 861e1ef..af183ce 100644
--- a/apps/pay/src/routes.ts
+++ b/apps/pay/src/routes.ts
@@ -1,6 +1,6 @@
 import { Elysia, t } from "elysia";
 import sql from "./db";
-import { derive } from "./address";
+import { derive, hasXpub } from "./address";
 import { getExchangeRates, getAvailableCoins, fetchQrBase64 } from "./freedom";
 import { PLAN_PRICING as PLANS, COINS, planTier } from "../../shared/plans";
 import { generateReceipt } from "./receipt";
@@ -33,7 +33,7 @@ export const routes = new Elysia()
   .get("/coins", async () => {
     const [available, rates] = await Promise.all([getAvailableCoins(), getExchangeRates()]);
     const coins = Object.entries(COINS)
-      .filter(([k]) => available.includes(k))
+      .filter(([k]) => available.includes(k) && hasXpub(k))
       .map(([k, v]) => ({ id: k, ...v, rate: rates[k] }));
     return { coins, plans: PLANS };
   })
@@ -55,6 +55,7 @@ export const routes = new Elysia()
     }
 
     if (!COINS[coin]) { set.status = 400; return { error: `Unknown coin: ${coin}` }; }
+    if (!hasXpub(coin)) { set.status = 400; return { error: `${coin} is not configured` }; }
     const available = await getAvailableCoins();
     if (!available.includes(coin)) { set.status = 400; return { error: `${coin} is temporarily unavailable` }; }