Platform PointPay

Hello friend, this time I will review a new platform in the financial industry called POINTPAY. PointPay is a platform based on the Blockchain-Ethereum technology for PXP tokens, which will create an All-In-One financial transaction ecosystem. PXP utility tokens are the primary payment tool in the platform ecosystem created by PointPay based on the Ethereum platform as the most popular core for building the blockchain system. PointPay is the first to offer a solution, which will combine three services in one ecosystem including PointPay Crypto Bank, PointPay Crypto Exchange and PointPay Multi-currency Wallet, and second, make PXP a valuable asset that will be in demand in the cryptocurrency market.
PointPay has business contacts with more than 50 banks and 25 payment systems, and 20 lawyers who deal with cryptobusiness licensing issues. This platform has 4 years of experience in supporting the functioning of the payment system, including signing contracts, working with banks, working with other payment systems, paying funds, and building complex payment schemes.
PointPay Crypto Bank

• Low transaction costs
• Fast transactions throughout the world
• Cryptodeposit and cryptocredit
• Cryptocurrency, fiat, and virtual credit and debit cards
• Mobile online banking
• Cryptocurrency loans
• PXP loans
• Crypto Forex trading
Worldwide, Cryptocurrency and the blockchain ecosystem are rapidly gaining popularity among users. Based on this, PointPay created and developed PointPay Crypto Bank ("PPCB") which will become part of the blockchain ecosystem based on the "All-in-one" utility, providing crypto banking services to be available with fiat currencies. PPCB is shaped to break the gap between the convenience of cryptocurrency and the functionality of traditional banks. PPCB will fill this underserved niche by offering daily users the full spectrum of banking services. The aim is to build a convenient and intuitive online banking platform so that non-technical users can also benefit from all the services offered by PPCB without complications, which are currently related to blockchain technology.
The PointPay team strives to be one step ahead of competitors and intends to create a future bank, where customer joint settlement will be greatly simplified by eliminating bureaucratic and geographical restrictions that are unavoidable for conventional banks, and minimizing the time spent on fund transfers and commissions because there is no need for maintenance of a number of banking personnel - all operations are carried out by users in virtual personal accounts through their cellular or desktop devices.

1. Business geography = Conventional Bank Limited to the country where the bank is placed. PointPay Crypto Bank Worldwide
2. Number of clients = Conventional Banks Limited to the country where the bank is located. PointPay Crypto Bank Worldwide
3. International transfer fees = Conventional Banks 1-3%. PointPay Crypto Bank The goal is to make up to 1%
4. Speed of making international transfers = Conventional Banks Up to several days. PointPay Crypto Bank A few minutes
5. Currency exchange costs = Conventional Banks 2-3%. PointPay Crypto Bank The goal is to make up to 2%.
6. Bureaucratic procedures = Conventional banks At each step of cryptocurrency, PointPay Crypto Bank All banking operations, including those carried out in virtual personal accounts
7. Type of currency = Conventional Bank Fiat money. PointPay Bank Crypto Fiat money, and cryptocurrency
8. Anonymity = Conventional Lost Bank. PointPay Crypto Bank Receives a portion
   PointPay CryptoBank will have extensive technical functions and provide the following banking services:
   
9. Cryptocredit and crypto debit cards. Pay with a credit card connected to the VISA / MasterCard electronic payment network and withdraw funds there in any country in the world. The application being developed will work together with the debit and credit cards issued. Guaranteed high security and card reception at almost all ATMs in the world.
10. Cryptobanking. Issuance of crypto credit for business and receipt of crypto deposits through personal accounts with a high level of privacy.
11. Loan a car to buy a car. Buy a car by issuing almost instant crypto credit, which allows, on the one hand, to contribute to the crypto economy, and on the other hand, improve the crypto bank financing structure and increase crypto flow.
12. Cryptocurrency mortgages. Buy your dream home by taking mortgage crypto loans.
13. Cryptocurrency deposits and savings accounts. PointPay Crypto Bank will not only secure your Cryptocurrency currency, but will also let you receive interest fees due to the existence of a crypto bank savings account that ensures a reasonable level of profit.
14. Buy and sell shares in cryptocurrency. Buy and sell shares of any company directly from your smartphone using cryptocurrency. An extraordinary opportunity to expand the investment portfolio of any investor.
15. Cryptocurrency transactions and transfers worldwide. Any bank transfer requires a lot of time, nerves and energy. Enjoy the convenience of making cryptocurrency and fiat transfers using online crypto banking. Transfer money instantly from anywhere in the world. All you have to have is a smartphone and access to the Internet.
16. Provision of services in the Forex market through: Support for ECN networks, reduce to zero the role of intermediaries; Support for progressive NDD order systems; dan End-to-end STP transaction processing technology. An instant way to refill your account balance with the help of the WebMoney payment system, Yandex.Money, bank transfer, cryptocurrency, and with bank Visa and MasterCard cards. Affiliate program to attract new members. Contract with a liquidity provider.
17. Mobile crypto banking. Instant online transfers (both cryptocurrency and fiat) from anywhere in the world. Support for Apple Pay, Samsung Pay, Android Pay. Money back and referral program.
18. Virtual cryptocard. The possibility of ordering a virtual crypto card (both for cryptocurrency and fiat money) with instant receipt of details to use it. NFC technology support. Withdrawals via any ATM anywhere in the world.
19. P2P loans. The PointPay platform will give its users the opportunity to get loans from individuals or other banking institutions, playing the role of a platform that brings together borrowers and lenders.
20. Cryptosoft for ATM. Instead of releasing costly ATM terminals that are useless, the PointPay team will develop software that will be implemented in existing ATM systems from other companies.
21. Banking and legal services consulting. Assistance in preparing bank documents and financial statements. Helps open fiat accounts and cryptocurrency. Legal and financial advice.
22. Acquire Crypto. The possibility of fast, transparent and anonymous cryptocurrency payments from various goods and services in stores, cafes and restaurants using PXP tokens. PointPay cryptocurrency gets jobs in all directions: fiat-cryptocurrency, fiat-cryptocurrency, fiat-fiat, cryptocurrency-cryptocurrency.

PointPay Crypto Exchange

• Fiat money support
• Patented asset trading for crypto (ETF funds, futures, shares)
• Four-level referral system and referral exchange
• Model of stake-based profit sharing to PXP holders
• Trade leverage (1:10)
• Voice ID Verification and Face ID
• Option of Initial Exchange Offering (IEO) (launchpad) for other cryptocurrency projects to withdraw funds
PointPay exchanges are different from other similar platforms, the centralized PointPay exchange centrally serves exchanges of Crypto-Fiat, Fiat-to-Crypto, Crypto-to-Crypto, and Fiat-to-Fiat. PointPay exchanges will overcome problems that often occur in the exchange of decentralization. Many decentralized cryptocurrency exchanges are usually managed by smart contracts, so cryptocurrency that does not support this technology cannot be negotiated with decentralized exchanges. This automatically causes poor liquidity problems, and this, in turn, causes low trading volumes. In addition, decentralized digital currency exchange a priori does not have support services that can immediately answer questions from traders.
The PointPay team believes that the investment process must be more democratic and accessible to most people who want to increase their funds. Therefore, PointPay issues several thousand tokens of a special type that will suit one or other types of traditional assets. Trading these assets will occur in the same way as trading crypto currencies at each exchange:

1. A trader comes to the exchange with fiat funds and cryptocurrency;
2. Traders buy token assets traded on the PointPay crypto Exchange platform (transactions can occur not only at the expense of their own funds in the account balance, but also use leverage in ratios of 1 to 10);
3. PointPay buys asset classes chosen by traders at Capital.com;
4. The trader sells the token assets that are in the balance, or keeps them until the price rises;
5. The trader withdraws the money obtained from his account in cryptobank.
   For security, PointPay plans to issue bank securities, or security records, for the most popular crypto assets - such as, for example, Bitcoin PointPay Security or Ethereum PointPay Security. It will be possible to display assets on bank account balances not only at PointPay Cryptto Bank, but also in other banks throughout the world.
   Initial Exchange Offers (IEO) options on the Crypto Exchange PointPay platform. The following are the benefits obtained from applying this option in the PointPay exchange. This is a classic case of the win-win principle, because the situation is advantageous not only for projects that will carry out the IEO on the PointPay Crypto Exchange platform, but also for all PointPay investors and for the exchange itself.
   Benefits for investors:
6. Increasing investor confidence, because the exchange takes reputation risk on itself and evaluates the project for compliance with the established standards;
7. Exceptions to the so-called "gas war" between competing investors themselves for the right to be the first to receive valued tokens as long as the token at a more attractive price;
8. Low entry level for investment that democratizes the process and makes it accessible to various crypto exchange users.
   Benefits for cryptocurrency projects that do tokens:
9. Saving money spent on marketing the project, because crypto exchanges themselves regulate the sale of tokens, attracting investors who have followed the whitelist procedure;
10. Guarantee the achievement of softcap and hardcap by notifying potential crypto exchange users in advance to take part in selling tokens;
11. Increased liquidity tokens after listing on crypto exchanges in the most popular trading pairs.
    Benefits for the PointPay Crypto Exchange platform:
    Stimulation of cryptocurrency liquidity growth by investors who wish to participate in the IEO and deposit assets into crypto exchanges;
12. Increased revenue from trading fees, as well as deposit and withdrawal commissions (the more revenue has an exchange, the more cryptoback gets PXP token holders);
13. Attract new traders who were not previously registered in crypto exchanges.

PointPay Multi-currency Wallet

• Multicurrency accounts (cryptocurrency and fiat money)
• Instant deposit and withdrawal in EUR, USD, CNY
• SPV technique
• Security and anonymity
• Send funds via email and SMS
• Convert instant funds from one currency to another
  PointPay Multi-currency Wallet is designed to overcome problems that often occur on other platforms, created to store crypto safely and reliably. In detail the functions of the PointPay Multi-currency Wallet are below.

1. The ability to store the most popular cryptocurrency safely: Bitcoin, Ethereum, Litecoin, and many others.
2. The ability to refill the balance of the most popular fiat currencies - dollars, euros and yuan - with the help of VISA / MasterCard, UnionPay, Payeer, AdvCash, Yandex. Money payment system, etc.
3. Possibility of exchanging funds in the following ways: fiat-cryptocurrency, cryptocurrency-cryptocurrency, fiat-cryptocurrency.
4. Ability to instantly withdraw cryptocurrency through withdrawals on VISA / MasterCard, UnionPay, Payeer payment systems, AdvCash, Yandex.Money, etc.
5. The system automatically generates statistics on the overall account balance, displaying it in dollars, euros or yuan.
6. This system provides the latest cryptocurrency rate data.
7. This system allows you to create a virtual cryptocurrency portfolio, which automatically calculates values in dollars, euros or yuan. It also displays the percentage of each cryptocurrency in the portfolio to the total amount. The ability to create your own cryptocurrency portfolio by importing data directly from the web wallet balance.
8. The login account is protected by a two-factor authentication system (2FA).
9. Ability to send money to business partners, friends and relatives via SMS.
10. Ability to send money to business partners, friends and relatives via email.
11. Ability to receive payment in cryptocurrency on your website or online store by installing a special module from PointPay Multi-currency Wallet. Instantly withdraw money obtained from your bank card or other wallet.
12. Ability to track all transactions carried out in the "Transaction history" section.
13. Ability to recharge your mobile balance and pay bills using the PointPay Multi-currency Wallet.

PointPay Economic Token

PointPay is currently conducting a crowdfunding campaign through the sale of 500,000,000 PXP tokens to raise funds for the development of a fully functional product version. Their first version is ready to be used and can be tested by our prospective investors now.
PointPay Tokens will be released based on the Ethereum platform and fully comply with the ERC20 standard. This will ensure transaction security, compatibility with third party services and will provide seamless and easy integration.

1. Symbol: PXP (PointPay token)
2. Total supply: 1,000,000,000 tokens
3. Soft cap: $ 1,000,000
4. Hard stamp: $ 30,000,000
5. Symbol: PXP (PointPay token)
6. Total supply of sales: 500,000,000
7. Unsold tokens: to be destroyed
8. PXP Sales Channels: https://pointpay.io/

PointPay Official Communication Channels
https://pointpay.io/
https://t.me/pointpay_talks
https://www.linkedin.com/company/pointpay/about/
https://www.facebook.com/PointPayLtd
https://twitter.com/PointPay1
https://www.reddit.com/user/PointPay
https://www.youtube.com/channel/UCS-_VDX97myxM5yLPYezH-w

Created By: ramzitsingh {bitcointalk}