Master Password
- Purpose: Encrypts and backs up the user’s local MPC key share.
- Ownership: Known only to the user — Particle never stores it.
- Recovery: Cannot be reset or recovered if forgotten.
- Usage: Provides an additional encryption layer for secure wallet recovery across devices.
If the user forgets the Master Password, the encrypted key shard becomes inaccessible.
Payment Password
- Purpose: Used as a second verification step before signing transactions.
- Flexibility: Can be disabled or reset by the user at any time.
- Experience: Adds a layer of security without affecting wallet recovery.

Master Password & Payment Password in the Particle Auth flow