Yup, I actually just made a video guide that explains how to do it

@strongstylethug
Check this out.
Text chatting on Xbox with your phone through Xbox app
I was convinced to give the chat wheel another try after playing with another Pirate who was able to communicate quickly and clearly using it ... But yes being able to type on a keyboard is nice vs the sticks on the controller which I find maddening ; )

@strongstylethug Lack of Chatpad is punishment for splitting the playerbase

@strongstylethug
This may be what you are looking for:

https://www.seaofthieves.com/forum/topic/107607/psa-xbox-server-users-you-can-still-use-a-keyboard-chatpad-to-communicate-in-game

@strongstylethug you can still text chat while in opt out on xbox, go to settings then Accessibilty settings, and put virtual keyboard to ON, then need to go to controllers on settings to set text chat key bind to D-Pad left or right

that`s what i have done set key bind to D-Pad right

@strongstylethug yes their is if you go into settings go to controller and look for the setting text chat

Sweet thanks guys!

@strongstylethug the chat pad is a keyboard. When you picked opt out you gave up the ability to use a chat pad as it can offer an unfair advantage