PointPay.io

PointPay.io

Created using Figma
Created using Figma

Last Update

Mar 3, 2021

First Worldwide Working Crypto Bank Ready and Live, Live Working Fiat Exchange, Live Working Fiat Wallet, and Live Payment System, Debit and Credit Cards.
  • Market
    Pair
    Price
    Volume 24H
    24H (price)
    24H (volume)
  • Livecoin
    PXP/BTC 4 months ago
    $ 0.0182
    $ 5.021 K
    -
    -
  • Livecoin
    PXP/USDT 4 months ago
    $ 1,103.74
    $ 819.971 K
    -
    -
  • Livecoin
    PXP/ETH 4 months ago
    $ 0.0198
    $ 6.12
    -
    -
Round 1
Jul 22, 2019
Jul 22, 2021
90% completed
Raised funds - no Data
ongoing
Token Details
Ticker
PXP
Total supply
1,000,000,000
Token Distribution
To be sold 50%
Yield banking reserve 30%
Team tokens 10%
Maximum allowance for high-volume investment purchases 10%
Accepted Currencies
ETH, BTC, EOS, LTC, BCH, TRX, BNB, USDT, XLM, XRP
Min Contribution
10
USD
Company Details
Registered Company Name
PointPay LTD
Registered Country
Estonia
Company Founded
Jun 25, 2018
Bonus Structure
$500 and more 2%
$1000 and more 3%
$3,000 and more 4%
$5,000 and more 7%
$10,000 and more 10%
Additional Details
MVP/Prototype
Yes
Platform
Ethereum
Categories
Platform

About PointPay.io

PointPay is a UK-regulated company which has been operating since 2018. PointPay Team has created all-in-one cryptocurrency ecosystem of 10 fully functional products. 

PointPay disrupts regular banking system with its innovative approach targeted to crypto mass-adoption. The one-stop fintech platform offers a full range of financial services within the first in the world PointPay Blockchain-based Bank enabling clients to open crypto checking and crypto savings account in most popular cryptocurrencies (Bitcoin, Ethereum, Ripple, Litecoin, etc) and stable coins (USDT, USDC, DAI, etc.), and earn interest with daily accruals. With PointPay Bank PointPay customers can issue invoices and send the funds via email address and take out a crypto loan under the collateral of some crypto either on the website or mobile app. For those who would like to join crypto market, PointPay offers to buy Bitcoin and Ethereum with debit and credit cards, SEPA, Samsung Pay and Apple Pay through PointPay Payment System with more than 40 fiat currencies with global processing coverage. PointPay uses military-grade encryption hence the storage of funds is completely secure with PointPay Crypto Wallet. PointPay customers can order VISA crypto debit card and instantly convert their crypto to fiat and spend it in more than 25 million outlets worldwide. Just one account needed to start using all the PointPay products.

 

The future is here.

Features

PointPay Blockchain-based Bank 

The first in the world blockchain bank with bitcoin, dollar stable-coin and tokenized gold

  • Checking and Saving Accounts
  • Daily compound interest
  • BTC, ETH, USDt, XAUt and PXP-token support
  • Higher yield for PXP token holders on a progressive scale.

PointPay Crypto Exchange

  • Market, limit and stop-limit orders support
  • Simplified cryptocurrency conversion option for newbies
  • Referral system and bright advertising banners 
  • Progressive discount scale for PXP token holders.

PointPay Crypto Wallet

  • Graphic interaction of user's portfolio
  • Live price quotes
  • Sending the funds via email acceptable 
  • Automatical PXP accrual to the PointPay wallet when buying through Token Sale platform for BTC and ETH.

PointPay Payment System

  • Buy crypto with a bank card for USD, RUB and UAH
  • Sell crypto and withdraw the funds to a bank card for USD, RUB and UAH
  • Largest providers' support
  • Fully automized process.

Conception of products

Just one account needed to start using all the PointPay products.

Additional information

PointPay Team has created a course of educational video tutorials for beginners to make crypto mass-adoption happen.

Technical Info

   

The PointPay Payment system

The PointPay Payment System (​PPPS​) aims to solve one of the most pressing issues in the cryptocurrency space - liquidity of crypto assets. While they are normally intended as payment methods, actually spending cryptocurrency is no easy task, especially when the vendors accept only FIAT payments. PPPS solves this by integrating with payment providers and leveraging its own cryptocurrency exchange service.

What happens behind the scenes when you swipe your card or touch the point of sale terminal with your phone while buying goods?

5 This process might be subject to change as the system is currently under development

  1. You link your card previously issued by a fully licensed and PCI DSS6 compliant bank (selected and approved as a PointPay payment partner) to the crypto asset of your choice using our app7

  2. Information goes from the merchant to a bank that is providing payment services to that particular merchant

  3. That bank is called Acquirer and his servers know what payment system is used at the moment so it routes information to the correct payment system

  4. The payment system knows what bank issued your card and the information

    flows to it

  5. This bank checks if you have enough funds and then send positive or negative

    response backwards

So this is how it works in general. We will add just one more simple step for you to this sequence and you will be able to use your crypto assets in brick and mortar stores, ATMs and even at online shops!

The PointPay Wallet

A cryptocurrency wallet is a software program that stores private and public keys and interacts with various blockchain to enable users to send and receive digital currency and monitor their balance. If you want to use Bitcoin or any other cryptocurrency, you will need to have a digital wallet.8

Comfort of usage

The PointPay Wallet (PPW) is a cryptocurrency wallet following all established and proven best practices. It has the following features:

  • ●  Easy transfer of funds to another user by some identification (email, phone and user-defined id).

  • ●  Support of all currencies on the PointPay platform.

  • ●  Easy overview of the user’s crypto holding and transactions.

  • ●  Can facilitate transfers to both PPW and non-PPW-users.

  • ●  Multi-platform support.

     

Security

Cryptocurrency transactions occur all the time. Most of those transactions are done in small amounts (such as small purchases and payments to merchants). On the other hand, large money transfers are a lot more seldom and require better security and validation.

This is where the concepts of Hot and Cold wallets in the cryptocurrency space come from.

● Hot Wallets or Hot Storage (HS) are wallets which are constantly connected to the internet which makes them less secure. They, however, offer a higher speed of execution and availability. In the PointPay system, only a small amount of funds will be kept in HS. Users will be able to operate with funds within the HS without the approval of the PointPay supervisors (​SV​). Regardless of this fact, this does not mean that the funds in those wallets will not be monitored. They will be under PointPay’s Hot Storage Fraud Policy (HSFP) which automatically detects fraud patterns and alerts the SV.

● Cold wallets or Cold Storage (CS) ​are air-gapped9 wallets which are considered state of the art in cryptocurrency security. They are not constantly connected to a network and require an SV interaction with the cold storage in order to approve a transaction. For example, let's assume that Bob wants to send Alice 1000 ETH. After he clicks the “Send” button, SV is notified about the large transaction. The transaction remains in “Waiting for moderation” status until the SV approves the transaction. After he checks the transaction for validity, the SV transfers ETH to Alice using CS. After a blockchain confirmation is received, the transaction’s status is changed to “Done”.

Using HS requires extra commissions and makes large-amount transactions slow and not user-friendly. What happens if the user wants to manage his money in a fast and secure way, even without supervision? In this case, the SESA and PPM technologies used.

PointPay Mirroring and Special Extra Secure Accounts

Any user can enable Special Extra Secure Accounts (SESA) as an option. If this is done, every transaction afterwards must be confirmed with a special payment password. All of the user's secure-sensitive data will be encrypted with this password. Even if another person has full access to the PointPay system, they still cannot decrypt this data.

In the event where the user loses his payment password, it will be recoverable, by passing an extended verification procedure. This is possible due to PointPay Mirroring (PPM), that includes asymmetric cryptography and PointPay Mirroring Storage (PPMS).

So what is PPM? When a user enables SESA and sets his Payment Password, this information is sent to PPMS in encrypted form. The encrypted form is produced using public/private key cryptography.

Private key from this public key is stored in cold storage, access to which granted only to SV. User can disable Mirroring when enabling SESA, but in this case, they will not be able to restore the data if Payment Password lost.

As an additional security measure, the user can choose to enable 2FA10 (two-factor authentication) checks for SESA, that will make checks in PG.

PointPay.io Roadmap

  • June 25, 2018

  • - PointPay Company Registered
    POINT PAY LTD (Company No.11431098) .
  • Q3 2018

  • - Blockchain listener for transactions completed
    - Common ecosystem infrastructure plan created
    - Main site created
  • Q4 2018

  • - PointPay whitepaper, one-pager, pitch deck created
    - PointPay is added to major rating agencies lists
    - PointPay promotional video created
  • Q1 2019

  • - Authentication form created
    - Community of supporters created
    - Token sale form created
  • Read More
  • Q2 2019

  • - All social media accounts created
    - Announcement in social media made
    - PointPay Live Roadmap created
  • Q3 2019

  • - Unified registration infrastructure completed
    - PointPay Crypto Exchange launched
    - PointPay Crypto Wallet launched
  • Q4 2019

  • - PointPay Blockchain-based bank launched
    - PointPay is elected the best blockchain start-up 2019 at Blockchain Life
    - PointPay token (PXP) integrated into Bank, Exchange and Wallet
  • Q1 2020

  • - PointPay Payment System with buy option launched
    - Sell option added to PointPay Payment System
    - Payment System connected to Bank, Exchange and Wallet
  • Q2 2020

  • - MoonPay, Indacoin, Mercuryo with worldwide debit and credit card coverage integrated into PointPay Payment System
    - Home pages are added to all products
    - PointPay Crypto School created
  • Q3 2020

  • - One-click instant transfers between all the products implemented
    - Release of mobile banking applications for Android and iOS
    - Markets overview integrated into PointPay Crypto Exchange
    - Lower transaction fees on a progressive scale for PointPay (PXP) token holders within the whole ecosystem implemented
    - Filing for Small Payment Institution license
    - PointPay complies with PCI DSS
    - Discounts to PXP tokenholders for internal transfers within the ecosystem
  • Q4 2020

  • - Launch of PointPay Crypto Loan module
    - Adding sell function to PointPay Payment System
    - Adding Exchange to mobile crypto banking applications
    - Adding loan module to mobile crypto banking applications
    - SEPA payments accessible for PointPay customers
  • Q1 2021

  • - Wire transfers accessible for PointPay customers
    - Voting platform for PXP token holders
    - Increasing of trading pairs on the Exchange
    - SEO optimization of all products
    - PXP burning program
  • Q2 2021

  • - Filing for Reg. D., EMI license UK, EMI license Estonia, EMI license Eurozone, Banking license Cayman Islands
    - Marginal trading implementation on PointPay Crypto Exchange started
    - PointPay Debit Card pre-order accessible
    - SWIFT payments integrated into PointPay platform
  • Q3 2021

  • - Attaching debit cards in personal account implemented
    - PointPay Debit Card is ready for distribution
    - Marginal trading implementation on PointPay Crypto Exchange finished
  • Q4 2021

  • - Following licenses granted: Reg. D. Filing, EMI license UK, EMI license Estonia, EMI license Eurozone, Banking license Cayman Islands
    - Aggressive promotion of PointPay on all the markets
    - Full ecosystem completed

Activity

Activity:
549
VERY HIGH
Posts:
950
HIGH
Views:
10 394
VERY HIGH
Activity:
549
VERY HIGH
Merit:
100
MEDIUM
Posts:
3
VERY LOW
Views:
646
VERY LOW
Users:
46
LOW
Followers:
23 713
VERY HIGH
Tweets:
281
MEDIUM
Fake Users Detected:
6.50%
30 Days Growth:
3582
Members:
35 249
VERY HIGH
30 Days Growth:
4679
Alexa

Rank:
54 489
VERY HIGH
Delta:
-30 646

Participation in events

PointPay.io Team

Verified 88%

Attention. There is a risk that unverified members are not actually members of the team

Andrey Svyatov
CEO
verified
Valeriya Potapenko
Customer Support
verified
Artyom Zbandut
CO-FOUNDER & EXCHANGE PM
verified
Maria Blyashchuk
Business Development
unverified
Alina Ibragimova
VP of Customer Relations
verified
Natalya Nakhmanson
Legal Counsel
verified
Konstantyn Poplavsky
Content Writer
verified
Ekaterina Pushkina
Business Development/ HR
verified

Advisors

Verified 0%

Attention. There is a risk that unverified members are not actually members of the team

87 ICOs

$114 495 564

Hamza Khan
ICO ADVISOR
unverified
Saurav Devrani
ICO ADVISOR
unverified
Michael Brooks
ICO ADVISOR
unverified
Joaquin Scarpa
ICO ADVISOR
unverified
George Dicdiquin
ICO Advisor
unverified

PointPay.io Interviews

Andrey Svyatov
As a team member, сan you tell us about your role in the ICO project?
Being CEO at PointPay, I feel a huge responsibility to the Team in particular and the whole crypto community in general. We will be the first in the world to develop a combined ecosystem including PointPay Crypto Bank, PointPay Crypto Wallet and PointPay Crypto Exchange in order to meet so much desired trend of all-in-one solution delivery.
What do you think about idea?
It's not a secret that creation of a fin-tech start-up requires a lot of efforts, skills and time. That is why we are doing our best in order to develop the products and make them competetive and desirable for customers to use.
We do have the key to success. It's our experienced Team.
Valeriya Potapenko
As a team member, сan you tell us about your role in the ICO project?
Young and dynamic customer support specialist, always ready to hear users’ needs and find a quick solution to their requests, I provide customer support through social media platforms.
What do you think about idea?
A revolutionary idea of crypto exchange, crypto wallet and crypto bank - is a perfect all-in-one solution for cryptocurrency ecosystem!
Artyom Zbandut
As a team member, сan you tell us about your role in the ICO project?
I have been trading for years until took a position of crypto exchange manager. I'm one of the key persons responsible for technical tasks, exchange algorithms, quotes and options for traders. The PointPay Exchange, on which we are working hard, will become the main source of liquidity to the whole ecosystem. This product with its user-friendly design will be appreciated by our customers.
What do you think about idea?
Newness of the PointPay approach is that we will definitely achieve all the goals that we set to ourselves in the terms of development and creation of the client base. Experienced staff, pleasant team spirit and a desire to become the first one in the industry guarantee a way to success and implementation of idea.
Alina Ibragimova
As a team member, сan you tell us about your role in the ICO project?
I'm responsible for managing and maintaining relationships with assigned clients in B2B and B2C account management.
What do you think about idea?
PointPay is a revolutionary blockchain-powered online platform striving to implement a fully licensed all-in-one solution for crypto and fiat currencies on the global market.
Natalya Nakhmanson
As a team member, сan you tell us about your role in the ICO project?
I am in-house legal Counsel at PointPay, I help in optimization of legal risks in different jurisdictions.
What do you think about idea?
Modern world needs one platform with different crypto-products that are integrated with each other. Point Pay ecosystem allows to exchange currencies, to store assets in crypto wallet and to pay in crypto. I like the company vision and I am proud to be a part of the team.
Konstantyn Poplavsky
As a team member, сan you tell us about your role in the ICO project?
A content manager and editor. Marketing and analytical writing.

Also involved in other lines of work including bounty campaign.
What do you think about idea?
I'm honored to be part of the team of professionals united by aspiration to go down in history as the creators of the world's first all-in-one solution for cryptocurrency ecosystem.
Ekaterina Pushkina
As a team member, сan you tell us about your role in the ICO project?
BUSINESS DEVELOPMENT/HR .
What do you think about idea?
I think this is good projectю. Very promising. .

PointPay.io Last News

$ 0.0182
Crypto Stats
Daily, %:
Weekly, %:
Monthly, %:
Market Info
Market Cap:
Volume 24h:
$ 5.031 K
Circ. Supply:
0 PXP
Ticker:
PXP
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