Bpay.io is an instrument which allows accepting, withdrawing and keeping track of funds in various trading transactions (offline, online). Trading transactions can be conducted between both classic traders (buyer-seller) and within the scope of virtual platforms (e-shops, online services, stock exchange, exchange offices, etc.)
The service is based on the principle of payment aggregation, ensuring the account and exchange of all possible digital assets as a payment method with subsequent conversion (or without, as preferred by the seller) into local currency or transferring to one's bank account.
Example of a trading transaction: the online retailer MediaMarkt supports only cash payments and credit cards Visa/MasterCard. By integrating the Bpay.io system plagin MediaMarkt will be able to accept cryptocurrencies through the web site, meaning instant payments in local currency transferred immediately to the company's bank account.
Bpay.io is designed to support as many digital currencies as possible, realizing their internal translation into the currency, which the main seller wants to accept as his/her basic currency.
If, for example, the seller selects EUR as the basic currency on his/her internal account, when the client pays for the goods or services in Ethereum/ Bitcoin/etc, the seller receives the payments in EUR with a possibility of further transfer to his/her bank account.
One of the long-term objectives of Bpay.io apart from serving a payment gateway in the virtual envi- ronment is integration into offline economy. As the most relevant analogues we can mention Square (https://squareup.com) – a project that offers offline sales outlets a simple mechanism of accepting and accounting digital currencies as a payment method.
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