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Before you make a real Atum payment — through the CLI, the SDK, or the payment-protocol examples — make sure the wallet on each side is ready. Simulated or local test runs move no funds and need none of this.
This page is the checklist of what must be in place. Set up a testnet wallet is how to get there — funding a wallet with faucets and bridging. And Choose an environment covers which environment to target first.

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Payer

The payer signs and funds the payment, so its wallet does the real work. Confirm on the source chain:

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Recipient

The recipient is a pure receiver — it holds no keys and moves no funds, so it needs no gas or token balance of its own. Confirm only where the money lands, on the destination chain:
Match assets by chain, contract address, and decimals — not by symbol. Similarly named tokens (native USDC, a bridged USDC.e, or a chain-specific tokenized currency like pathUSD) are different contracts. See Wrong token variant.

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Next steps