POINTPAY GOOD PROJECT BANKING ECOSYSTEM

PointPay starts the development of the all-in-one cryptocurrency ecosystem, which will provide the best convenience for our customers in accessing all cryptocurrency related services in one platform. We are planning to launch an extended version of the PointPay Crypto Wallet, an extended version of PointPay Crypto Exchange and the fully licensed PointPay Crypto Bank. Some companies announce their plans to implement the same vision, but none of them can carry out completely so far. We hope to be the first company to successfully implement a fully licensed all-in-one solution for cryptocurrencies and fiat currencies in the global marketplace.

PointPay is creating a fundamentally new product that combines three services in a single closed-loop ecosystem:

PointPay Crypto Bank, PointPay Crypto Exchange platform and PointPay Multi-currency Wallet. We work so that our potential customers could be users of the World Wide Web residing anywhere in the world. The payment tool will be the PXP utility token of the ERC-20 standard, created by PointPay based on the Ethereum platform as the most popular core for building blockchain systems. Firstly, this solution will combine the three abovementioned services in one ecosystem, and, secondly, make the PXP token a valuable asset that will be in demand in the cryptocurrency market.

A description of our products – the results of the joint creative work of professional programmers and all the other members of our team who work full time – is presented below.

PointPay has business contacts with more than 50 banks and 25 payment systems, as well as 20 lawyers who deal with issues of licensing cryptobusiness. We have 4 years of experience in supporting the functioning of payment systems, including signing contracts, working with banks, working with other payment systems, paying out funds, and building complex payment schemes. We are currently conducting a crowdfunding campaign through the sale of 500,000,000 PXP tokens in order to raise funds for the development of fully functional versions of our products. Their first versions are already ready for use and can be tested by our potential investors just right now.

Introduction and Crypto-analytics from the PointPay platform

The crypto-industry ecosystem is developing by leaps and bounds. It’s becoming more attractive not only for investors who view the cryptomarket as a way to get maximum profit in the shortest possible time, but also for ordinary users who value cryptocurrencies for their fast transaction functionality, anonymous calculations and absence of any kind of intermediaries.

Cryptocurrency platform PointPay notes that many people like the idea of “finance without borders”. That is why the number of people actively using cryptocurrencies is steadily growing and approaching the psychological mark of 50 million people. Cryptocurrencies’ number growth dynamics is also rapid. If in 2010 the number of cryptocurrencies coul be counted on the fingers of one hand, then in 2018 their number exceeded 2000 and has greater chances of reaching
2500 by the end of the year.

It’s noteworthy that the exchange is a kind of virtual bridge connecting blockchains of different cryptocurrencies and providing a platform for buying and selling them. But at the same time, the number of crypto exchanges, the daily trading volume of which exceeds US $1,000, is much less - just about 200.

This fact is quite explainable: in contrast to the meager funds required to issue an own token or coin based on a smart contract – the cost of creating a crypto exchange varies from tens to hundreds of thousands of euros. It’s costly – so, not every crypto entrepreneur can afford to pay this amount of money. Moreover, crypto exchanges serve themselves as an ideal target for hackers – attackers have managed to steal a total of more than one billion dollars.

The question of which crypto exchange to use in order to keep funds or trade remains open. No one gives a 100% guarantee of safety of funds. Security is one of the key points of traders’ concern. In addition, crypto-community calls to make exchanges the core of a cryptocurrency ecosystem with enhanced user functionality. People ask to integrate not only traditional dual-currency pairs with exchange rate charts, but also other state-of-the-art tools, on which the movement of funds would be tied. That would automatically solve the issue of deficit liquidity.

Such a need has long been overdue in a crypto community. It will undoubtedly appreciate the team of innovators, who will not only offer a safe platform for trading and storing cryptocurrencies, but also develop the functionality to invest in crypto banks specially created for this.

Disadvantages of Trading Crypto Ecosystem, or Money Must Work
Today, an overwhelming number of crypto exchanges provide traders with access only to rate and volume charts for a specific token or coin. Users conduct their own technical analysis based on the data presented on the exchange, make a decision and place an appropriate order. The movement of funds ceases as soon as the system detects a request that satisfies the conditions of the trader’s application for the purchase or sale of cryptofunds. From this moment, the user turns from a trader into a holder. No funds movement anymore. No daily profit from cryptocurrency assets holding. 

Statistics shows that more than half of traders use an extremely risky method of storing funds – the so-called "hot". The cryptocurrency assets are held directly on crypto exchange. Due to technological vacuum, the funds are stored as a “dead weight”, not generating any income and breaking the golden rule of successful people: “Money must work”.

Significant inflation processes bring huge losses to cryptocurrency holders who store the assets they have on crypto exchanges. Basing on the amount of coins generated per day by miners in February 2019, PointPay specialists calculated yearly inflation rates for the main mineable cryptos. They are as follows.

Description of the PointPay Crypto Bank
PointPay CryptoBank will have broad technical functionality and provide the following banking services:

1. Cryptocredit and cryptodebit cards.
Pay with a credit card connected to VISA / MasterCard electronic payment networks and withdraw funds to it in any country of the world. Applications being developed will work in conjunction with the debit and credit cards issued. Guaranteed high security and acceptance of cards in almost any ATM in the world.

2. Cryptobanking.
Issuance of cryptocredits to business and acceptance of crypto deposits through a personal account with a high level of privacy.

3. Car loans for buying a car.
Buy cars by issuing almost instant cryptocredits, which allows, on the one hand, making a contribution to cryptoeconomics, and on the other, improving the financing structure of a cryptobank and increasing crypto flows.

4. Cryptocurrency mortgage.
Buy your dream home taking a mortgage cryptocredit.

5. Cryptocurrency deposits and savings accounts.
PointPay Crypto Bank will not only keep your cryptocurrency safe, but will also let you to receive interest charges due to the existence of a cryptobank savings account that ensures a decent level of profitability.

6. Buying and selling stocks in cryptocurrency.
Buy and sell stocks of any companies directly from your smartphone using cryptocurrency. Excellent opportunity to expand the investment portfolio of any investor.

7. Cryptocurrency transactions and transfers worldwide.
Any bank transfer takes a lot of time, nerves and energy. Enjoy the ease of making cryptocurrency and fiat transfers using online crypto banking. Transfer money instantly from anywhere in the world. All you must have is a smart phone and access to the Internet.

8. Provision of services on the Forex market through:
• Support for ECN networks, reducing to zero the role of intermediaries;
• Support for progressive system of NDD orders;
• End-to-end STP transaction processing technologies.
Instant ways to recharge the balance of your account with the help of WebMoney, Yandex.Money payment systems, bank transfers, cryptocurrency, as well as with Visa and MasterCard bank cards. Affiliate program to attract new members. Contracts with liquidity providers.

9. Mobile crypto banking.
Instant online transfers (both cryptocurrency and fiat) from anywhere in the world. Support of Apple Pay, Samsung Pay, Android Pay. Cashback and referral program.
10. Virtual cryptocard.
The possibility of ordering a virtual crypto card (both for cryptocurrency and fiat money) with instant receipt of details for using it. NFC technology support. Withdrawals via any ATM anywhere in the world.

11. P2P loans.
PointPay platform will provide its users with the opportunity to get a loan from a private person or another banking institution, playing the role of a platform that unites borrowers and lenders.

12. Cryptosoft for ATM.
Instead of the pointless release of expensive ATM terminals, the PointPay team will develop software that will be implemented in existing ATM systems of other companies.

13. Consulting banking and legal services.
Assistance in the preparation of bank documents and financial reports. Help in opening fiat and cryptocurrency accounts. Legal and financial advising.

14. Crypto-acquiring.
The possibility of fast, transparent and anonymous payment of cryptocurrency of various goods and services in stores, cafes and restaurants using PXP token. PointPay cryptocurrency acquiring works in all directions: fiat-cryptocurrency, cryptocurrency-fiat, fiat-fiat, cryptocurrency-cryptocurrency.

Tokenomics of the PointPay Token
PXP Token - Utility Token

PointPay Team considers the issue of creation an economic model to be fundamental. It will become a foundation for mutually beneficial relations between traders and the rest of the crypto community. In order to give the token a financial value we went through all possible strategies of maximizing the degree of token’s integratedness into the trading ecosystem. The PointPay token is a utility token, the purpose of which will be to perform internal payments inside the crypto exchange. The further expansion of the token inside crypto-ecosystem will be insured by establishing a platform which will allow representatives of the crypto community to emit their own tokens and run crowdfunding token sale campaigns.

Token Economics
PointPay Token will be released based on the Ethereum platform and fully comply with the ERC20 standard. This will ensure security of the transactions, compatibility with the third-party services and will provide seamless and easy integration.

Soft cap: $1,000,000
Hard cap: $30,000,000
Symbol: PXP (PointPay token)
Total supply: 500,000,000
Unsold tokens: to be destroyed
Retail price: 1 PXP = $0.10

Token Allocation
Funds Allocation


To find out more information, you can visit the official page below:


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