A method of configuring an online account of a user is disclosed. A service provider receives a public cryptocurrency address from a user's computer and associates the public cryptocurrency address with the online account of the user. The service provider establishes a secure communication session between the user's computer and the service provider based on the user logging into a first area of the online account of the user. After establishing the secure communication session, the service provider determines that a second area of the online account is in a locked state. The service provider determines that the user has reduced a balance associated with the public cryptocurrency address during the secure communication session, and in response to determining that the balance associated with the public cryptocurrency address has been reduced during the secure communication session, unlocks the second area of the online account.