diff --git a/i18n/locales/en/payment.json b/i18n/locales/en/payment.json
index 155c2a7c..79dc1d0b 100644
--- a/i18n/locales/en/payment.json
+++ b/i18n/locales/en/payment.json
@@ -38,6 +38,7 @@
     "not-enough-funds": "Not enough funds.",
     "invalid-destination": "Expected a public key or stellar address.",
     "invalid-price": "Invalid amount.",
-    "integer-memo-required": "Memo must be an integer."
+    "integer-memo-required": "Memo must be an integer.",
+    "asset-missing": "No asset selected."
   }
 }
diff --git a/i18n/locales/es/payment.json b/i18n/locales/es/payment.json
index 471e3d99..93842e10 100644
--- a/i18n/locales/es/payment.json
+++ b/i18n/locales/es/payment.json
@@ -35,6 +35,7 @@
     "not-enough-funds": "Fondos insuficientes.",
     "invalid-destination": "Se esperaba una llave pública o una dirección Stellar.",
     "invalid-price": "Monto no válido.",
-    "integer-memo-required": "El Memo debe ser un número entero"
+    "integer-memo-required": "El Memo debe ser un número entero",
+    "asset-missing": "Ningún activo seleccionado."
   }
 }
diff --git a/i18n/locales/it/payment.json b/i18n/locales/it/payment.json
index 7a91e060..2e1f3432 100755
--- a/i18n/locales/it/payment.json
+++ b/i18n/locales/it/payment.json
@@ -35,6 +35,7 @@
     "not-enough-funds": "Fondi insufficienti.",
     "invalid-destination": "Attesa una chiave pubblica o un indirizzo stellare.",
     "invalid-price": "Importo non valido.",
-    "integer-memo-required": "Il memo deve essere un numero intero."
+    "integer-memo-required": "Il memo deve essere un numero intero.",
+    "asset-missing": "Nessuna risorsa selezionata."
   }
 }
diff --git a/i18n/locales/ru/payment.json b/i18n/locales/ru/payment.json
index 5d027e08..06354855 100644
--- a/i18n/locales/ru/payment.json
+++ b/i18n/locales/ru/payment.json
@@ -38,6 +38,7 @@
     "not-enough-funds": "Недостаточно средств.",
     "invalid-destination": "Ожидается публичный ключ или stellar адрес.",
     "invalid-price": "Неверная сумма.",
-    "integer-memo-required": "Заметка должна быть числом."
+    "integer-memo-required": "Заметка должна быть числом.",
+    "asset-missing": "Не выбран актив."
   }
 }
diff --git a/src/Generic/lib/stellar.ts b/src/Generic/lib/stellar.ts
index 685c14d9..17d3ffbf 100644
--- a/src/Generic/lib/stellar.ts
+++ b/src/Generic/lib/stellar.ts
@@ -122,7 +122,8 @@ export function getAssetsFromBalances(balances: BalanceLine[]) {
   )
 }
 
-export function findMatchingBalanceLine(balances: AccountData["balances"], asset: Asset): BalanceLine | undefined {
+export function findMatchingBalanceLine(balances: AccountData["balances"], asset?: Asset): BalanceLine | undefined {
+  if (!asset) return undefined
   return balances.find((balance): balance is BalanceLine => balancelineToAsset(balance).equals(asset))
 }
 
diff --git a/src/Payment/components/PaymentForm.tsx b/src/Payment/components/PaymentForm.tsx
index 252ce2fd..f74f2aee 100644
--- a/src/Payment/components/PaymentForm.tsx
+++ b/src/Payment/components/PaymentForm.tsx
@@ -80,7 +80,7 @@ const PaymentForm = React.memo(function PaymentForm(props: PaymentFormProps) {
   const form = useForm<PaymentFormValues>({
     defaultValues: {
       amount: "",
-      asset: Asset.native(),
+      asset: undefined,
       destination: "",
       memoValue: ""
     }
@@ -216,6 +216,9 @@ const PaymentForm = React.memo(function PaymentForm(props: PaymentFormProps) {
         inputRef={form.register({
           required: t<string>("payment.validation.no-price"),
           validate: value => {
+            if (!form.getValues()["asset"]) {
+              return t<string>("payment.validation.asset-missing")
+            }
             if (!isValidAmount(value) || FormBigNumber(value).eq(0)) {
               return t<string>("payment.validation.invalid-price")
             } else if (FormBigNumber(value).gt(spendableBalance)) {