OTPPAY

OTPPAY is a crypto banker platform that enables the users within to buy, trade and even make payments using crypto currencies and fiat currencies.

PROS:

• Faster transactions: The users enjoys faster sending and receiving of payments using their favorite  crypto currency making the platform reliable and offers lower transaction fees of 0.05%
• Conveniency: The Artificial Intelligence(AI) and  Machine Learning (MI) enables easy conversion of crypto currency  to OTP token and OTP tokens to fiat currency  enabling the user to  make  easy  payments
• Protection from crypto volatility: The platform enables change of primarily payments options to OT P tokens or fiat currency instantly which  creates high securities of the token involved  and easy blending
• Easy analysis of transactions: The platform has a perfectly structured data analytics engine which enables the users to analyze each and every transaction on the platform from monitoring, fingerprints, payments velocity hence improving its  security standards
• Transparency: The use benefits from transparent financial models, audit reports and revenue streams with frequent updates. There is no payments that can be done without OTP tokens  and controlled by smart contract promoting the token holders to use the token every day and even direct new users in the Omni Token Platform
• Accessibility: The platform is easily accessible by the users via the developed  mobile application  which enables them to make faster  and secure transactions through scanning the QR
• The whitepaper: The platform whitepaper is  properly detailed and elaborated highlighting full application and implication of the token enabling users to understand the usefulness of the project

CONS:

• Team: The involved team is adequate  in numbers  but lacks relevant skills and experience  necessary for the project execution right  the CEO  Lalith Babu
• The consistency of the platform is affected by the  fluctuations of its values in the market
• The smooth operation of the platform requires it abide to taxation requirements

SUGGESTIONS:

• The platform should include the required team with related and relevant skills
• The platform should ensure that the token holders are exempted from paying taxes to avoid unexpected losses

NOTE:

The application of the platform is beneficial to the merchants as it promotes easy trade and payment via their favorites crypto currency in a secure and transparent manner in all situations. This encourages me to invest in the platform as it can be applied in all the service provision sectors with higher returns.