[ANN] PointPay - new home for CeFi. Earn 30% APR on PXP in our Crypto Bank

[miner32342]

Welcome to the future of the
BLOCKCHAIN-BASED BANKING

WHITEPAPER | ONE PAGER | ECOSYSTEM | WEB SITE | TELEGRAM | LINKEDIN | FACEBOOK | TWITTER | REDDIT | YOUTUBE | INSTAGRAM

PointPay is a fintech company which platform includes a complex of banking products.

PointPay Founder: Ilia N. Zavialov
PointPay Co-Founder: Artyom Zbandut
PointPay CEO: Vlad Kardapoltsev
PointPay CTO: Artemiy Nikolskiy

PROMO VIDEO

POINTPAY SOLID AND ROBUST PRODUCTS ARE READY

POINTPAY CRYPTO BANK

The idea of PointPay Crypto Bank is to seamlessly integrate crypto and fiat accounts for the user. It is planned to create technical infrastructure aimed to enable instant cross-border transactions from one country to another one. Fiat A will be automatically converted at the back-end to Fiat B through the PointPay native stable cryptocurrency, pegged to to a basket of various fiat currencies. The cryptocurrency will be Stellar-forked with an integrated privacy layer above the blockchain. It guarantees both quick confirmation of transactions on the network and sender's anonymity.

POINTPAY CRYPTO EXCHANGE

PointPay Crypto Exchange with custom design of trading blocks, chat for traders and the ability to buy and sell cryptocurrencies with VISA/MASTERCARD bank cards for USD, RUB and UAH. For newbies who experience difficulties with market, limit and stop-limit orders we created Quick Exchange option for the convenience.

POINTPAY MULTI CURRENCY WALLET

PointPay Crypto Wallet supports Bitcoin, Ethereum and PointPay token (PXP) with the ability to track the dynamics of changes in the crypto portfolio capitalization in accordance with current quotes on the cryptocurrency market. PointPay cusotmers can already take advantage of sending funds from the wallet by email without having to copy complex addresses consisting of numerous letters and numbers. It is planned to enable ERC-20 tokens support, organize a payment code system, and launch an innovative crowdfunding platform for the start-ups - Initial Wallet Offering (IWO).

POINTPAY PAYMENT SYSTEM

POINTPAY TOKEN (PXP)

POINTPAY MOBILE BANKING APPLICATIONS FOR ANDROID AND IOS

JOIN POINTPAY CRYPTO SCHOOL FOR BEGINNERS:

SOCIAL MEDIA AND DOCUMENTS

WHITEPAPER | ONE PAGER | ECOSYSTEM | WEB SITE | TELEGRAM | LINKEDIN | FACEBOOK | TWITTER | REDDIT | YOUTUBE | INSTAGRAM

Hurry up to invest in one of the best fintech companies of 2019!
The number of tokens is limited! Are you in?

POINTPAY BOUNTY PROGRAM (in ETH) (suspended!!!)

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Arabic Thread

Indonesian Thread

Italian Thread

Croatian Thread

UPDATE. July 13, 2018: Consultations with experts and advisors held

UPDATE. August 2, 2018: Common ecosystem infrastructure created

UPDATE. September 17, 2018: Blockchain listener for transactions completed

UPDATE. October 14, 2018: PointPay White Paper created

UPDATE. October 27, 2018: PointPay One Pager created

UPDATE. November 21, 2018: PointPay pitch deck created

UPDATE.  December 25, 2018: PointPay token sale platform completed

UPDATE. January 9, 2019: PointPay is added to major rating agencies lists

UPDATE. February 2, 2019: PointPay ecosystem file created

UPDATE. March 7, 2019: PointPay promotional video created

UPDATE. April 11, 2019: Unified registration infrastructure completed

UPDATE. May 22, 2019: Announcement in social media done

UPDATE. June 1, 2019: Technical Paper v.1.0 published

UPDATE. June 13, 2019: Analytical study by PointPay Research Department

UPDATE. June 21, 2019: PointPay Live Roadmap published

UPDATE. September 24, 2019: PointPay Crypto Exchange supporting top-10 cryptocurrencies launched

UPDATE. September 28, 2019: PointPay was highly evaluated by TOP ICO Listing Websites and got a maximum score

UPDATE. October 17, 2019: In a public vote PointPay was elected the best blockchain start-up of 2019 at Blockchain Life, the largest conference in Eastern Europe for 5000 participants

UPDATE. December 31, 2019: PointPay Blackchain-based Bank supporting crypto-checking and crypto-savings accounts launched. Our users can make deposits in BTC, ETH and PointPay token (PXP) and earn daily compound interest.

UPDATE. January 05, 2020: Higher yields for PXP crypto-checking and crypto-savings accounts available in PointPay Crypto Bank. The more tokens the user has, the more interest he earns.
 
UPDATE. January 15, 2020: PXP token integrated into PointPay Crypto Exchange. The users can dynamically reduce fees for trade deals. The more PXP tokens the user has, the less fee he pays

UPDATE. January 27, 2020: Airdrop. New users who will sign up on PointPay Crypto Exchange and subscribe to PointPay social media, will get 300 PXP tokens to cover fees for trade deals. Read details

UPDATE. January 28, 2020: Payment form enabling our customers to buy and sell crypto for USD, RUB and UAH with VISA/MasterCard bank cards and popular e-wallets such as Payeer, AdvCash, PerfectMoney integrated on PointPay Crypto Exchange

UPDATE. February 5, 2020: New PointPay Crypto Wallet design applied

UPDATE. February 9, 2020: Payment form enabling our customers to buy and sell crypto for USD, RUB and UAH integrated into PointPay Crypto Wallet

UPDATE. February 14, 2020: For the convenience a seamless transition between PointPay bank, exchange and wallet during user's session integrated

UPDATE. February 22, 2020: Automatic sending of our tokens when buying for Bitcoin to PointPay crypto wallet implemented . Previously, such purchases were processed manually.

UPDATE. February 25, 2020: Quick Exchange option is added to PointPay Crypto Exchange for simplified crypto-to-crypto conversions.  

UPDATE. March 5, 2020: Referral program has been launched on the PointPay Crypto Exchange. Invite your friends and earn 50% from the system fee on trade deals done by your referrals.

UPDATE. March 11, 2020: Graphical display of liquidity volume in each of the orders placed in an order book has been added on the PointPay Crypto Exchange. Now traders can calculate the amount of liquidity contained in several orders by hovering the mouth cursor over the corresponding orders.

UPDATE. March 14, 2020: Current price quotes for the chosen trade pair in the browser tab have been added on the PointPay Crypto Exchange.

UPDATE. March 17, 2020: We will additionally top up your balance with 100 PXP tokens on the PointPay Crypto Exchange if you invite a friend via your referral link. Your friend is to subscribe to all PointPay social media. Tokens give the right to receive discounts when making trade deals on our platform. You can invite an unlimited number of friends. Also we added the svg-format of advertising banners and a language filter that allows you to choose banners in a specific language.

UPDATE. March 21, 2020: Graphical display of user's cryptocurrency portfolio value in dollars has been added to PointPay Crypto Wallet.

UPDATE. March 23, 2020: We have added USDt and XAUt to PointPay Blockchain Bank.
Thus, PointPay has become the first company in the world which created blockchain bank to open crypto checking and crypto savings accounts in bitcoin, dollar stablecoin and tokenized gold. Earn daily compound interest on deposits!

UPDATE. March 25, 2020: Tether USD (USDT) has been added to PointPay Crypto Wallet

UPDATE. March 27, 2020: QR-code payments are added to PointPay Crypto Wallet. Now you can top up your balance with your mobile devices instantly.

UPDATE. March 30, 2020: Live currency rates are added to PointPay Crypto Wallet. The arrow pointer shows how the asset value has changed over the past 5 minutes.

UPDATE. April 2, 2020: The function of automatical one-click filling of the amount field with the maximum available balance has been added to PointPay Crypto Wallet.

UPDATE. April 3, 2020: Responsive web design has been implemented on the PointPay Crypto Exchange. Trade with comfort on our platform from your mobile and tablet devices.

UPDATE. April 7, 2020: Responsive web design has been implemented on the PointPay Crypto Wallet as well

UPDATE. April 9, 2020: Order history has been added to PointPay Crypto Exchange. Track and receive detailed information on your trading activity.

UPDATE. April 14, 2020: Thanks to new partnerships now PointPay customers can buy most popular cryptocurrencies (BTC, ETH, USDT, XRP, LTC, etc.) directly from debit and credit cards for American (USD) and Canadian dollars, Euros (EUR), British pounds (GBP), Swiss francs (CHF), Swedish (SEK), Danish (DKK), Czech (CZK) and Norwegian (NOK) crowns.  

UPDATE. April 17, 2020: Now you can switch from night to day mode on PointPay Crypto Exchange depending on your preferences.
Let the trade be even more comfortable!

UPDATE. April 27, 2020: Day mode has also been integrated in PointPay Crypto Wallet

UPDATE. April 30, 2020: An audio signal has been added to the PointPay Cryptocurrency Exchange. It is triggered once when your order is 100% executed. You can turn it off in the settings if you wish.

UPDATE. May 2, 2020: We have added Russian Ruble (RUB) support on PointPay Crypto Exchange through QIWI and Yandex.Money. You can top up your balance with 0% fee.

UPDATE. May 5, 2020:  Now PointPay customers from Europe can buy crypto with Apple Pay.

UPDATE. May 18, 2020: A new PointPay Bank design has been released.

UPDATE. June 12, 2020: We expanded the functionality of the referral system on PointPay Crypto Exchange. Now each user has a tab "My referrals", which reflects the total number of referrals attracted by the user. You can also see the income from your referrals for 'today', 'yesterday' and for the last 'month'. In addition, we added the ability to analyze income from referrals on special interactive monthly chart. Currently, not a single crypto exchange offers such a feature.

UPDATE. June 15, 2020: An extended version of the chat for traders has been implemented. Now it has become multilingual. Channels are available for Russian-speaking, English-speaking and Chinese-speaking clients of PointPay. You can also use emoticons, quote other users and tag them.

UPDATE. June 24, 2020: We launched a new product called "PointPay Crypto School". It includes about 20 video tutorials, divided into three difficulty levels: beginner, intermediate and expert. Users who hold at least 2000 PointPay (PXP) tokens on PointPay Crypto Exchange can now get an access to premium video tutorials. We will continue working on the creation of training materials. By purchasing a PXP token, you support global crypto and blockchain education.

UPDATE. June 28, 2020: As part of the ongoing work on the CFA bill, PointPay specialists prepared a study showing that the allocation of available reserves of electricity and capacity for mining cryptocurrencies from hydroelectric power stations alone could potentially bring more than 1 billion USD of tax deductions in the form of VAT to the state budget of Russia. It is said that this was a key argument which motivated Ministry of Economic Development to send a letter of criticism to the State Duma on the current version of CFA bill.

[miner32342]

"A large-scale conference, Consensus-2019, was another stimulating factor for the ongoing bullrun in the cryptocurrency market. It corresponded to expectations of many cryptocurrency experts, among which were financial analysts from PointPay. On May 14 in the middle of the event the bitcoin rate broke through the psychological mark of $ 8000 for 1 BTC. Quotes returned to the values of last summer. On May 16, when the Consensus-2019 event was finished, the Ethereum price surged up to $ 270 for 1 ETH.

There were a lot of rumors that the world-famous American Internet company eBay plans to implement on its platform acceptance of payments in cryptocurrency. It turned out to be not true. Nevertheless, it is already clear that blockchain technologies penetration process in everyday life can hardly be slowed down.

If it is not going to happen today, it will happen tomorrow.



PointPay team were happy to take part in Consensus-2019. Our attention was mostly captivated by a brilliant speech of Brian Armstrong, general director of Coinbase. He told about the overwhelming success of his business. Just a year after the launch of the Coinbase Custody service the total amount of cryptocurrency assets under its management exceeded $ 1 billion. The platform was created for institutional investors from the US and the EU who can invest from $ 10 million. This is a great achievement. PointPay intends to repeat such a success, and even surpass it."

[kaconk]

is this exchange only MVP or ready to use? https://pointpay.eu/Trade/index

[miner32342]

is this exchange only MVP or ready to use? https://pointpay.eu/Trade/index

Hi! Thank you for your question! It's an MVP version of PointPay Crypto Exchange with a limited number of options to use. You can try it right now and go in for trading, just choose a trading pair you like more. Full product development is being implemented according to the Roadmap. We'll be thrilled if you share your impressions! Thank you!


Let us know, if you have some more questions, please.

[miner32342]

Hi guys, I representative person of ICOHOLDER company.

You have been selected and added to icoholder.com. https://icoholder.com/en/pointpay-io-30152

 Find your project on our website and go through verification to add more information.

I would be very grateful to you if you forward this letter to the appropriate person in your company. In the meantime, thank you so much for your attention and participation!

Hello!

Thank you so much for the attention you are paying to the PointPay project! We are doing our best in order to verify Team's profiles as soon as possible. Stay tuned for further updates.

[bchdfsy]

when bounty guys???

[miner32342]

when bounty guys???

Hello!

PointPay will start conducting the Bounty program quite soon.

To be the first one to learn about Bounty and other project news, please, download iOS PointPay news app!

[workasset1]

This is such an interesting project its a one stop shop for all crypto banking needs. I will surely watch out for this project. Hoping for the success of your ICO.

[Bluechipz83]

Any plans for marketing? I see that your social media communities have not yet been established. Not a lot of members yet.

[miner32342]

Any plans for marketing? I see that your social media communities have not yet been established. Not a lot of members yet.

PointPay's Marketing Department is working hard in order to build the community and attract as many members, subscribers and users of banking cryptocurrency ecosystem as possible. Our goal is to build the biggest one ever in the crypto world.

Follow us on social networks. We would like to know your opinion about PointPay's MVP products (PointPay Crypto Bank, PointPay Crypto Exchange and PointPay Crypto Wallet).    

[peterpancon]

Any plans of joining blockchain events or roadshows? It would be great to have that, this can help with PointPay's marketing.

[miner32342]

Any plans of joining blockchain events or roadshows? It would be great to have that, this can help with PointPay's marketing.

The PointPay Team have recently taken part in Malta AI & Blockchain Summit. We'll tell the crypto commnutiy how it was in a few days. Stay tuned to the news.

[Twinkledoe]

You are launching your cryptocurrency exchange and as well as crypto banking system, is your company already approved by your Central Bank to operate such business? Other than the company registration, I think you should get license also for operating a currency exchange.

[miner32342]

You are launching your cryptocurrency exchange and as well as crypto banking system, is your company already approved by your Central Bank to operate such business? Other than the company registration, I think you should get license also for operating a currency exchange.

Operating a cryptocurrency exchange and cryptocurrency wallet does not fall under the current United Kingdom legislation where the company has an official registartion.
Obtaining a full banking license that will let the company render banking services on legitimate grounds is provided for under the PointPay Legal and Compliance Roadmap provisions. According to them, PointPay is intended to get a banking license in the Cayman Islands.

See more details in the PointPay Ecosystem file.

[workasset1]

Since there will be an exchange platform, any idea what pairings will be available and will the fees be lesser compared to other exchange platform? And what is your advantage to other top exchanges like Binance, Liquid and Kucoin?

[miner32342]

Since there will be an exchange platform, any idea what pairings will be available and will the fees be lesser compared to other exchange platform? And what is your advantage to other top exchanges like Binance, Liquid and Kucoin?

Initially, trading fees will be reduced almost to zero to attract as many traders from other exchange platforms as possible. Trading pairs currently available are the following: ETH/BTC, BTC/USDT, BNB/BTC, ETH/USDT, LTC/USDT, TRX/USDT. Mainly, creation of new trading pairs will depend on the whole market trading volumes and the community demand. PXP token holders will obtaing the right to vote for emerging this ot that trading pair.  
Unlike Binance, we are going to provide stacking-based profit sharing model of paying dividends to token holders, who store PXP tokens directly on the PointPay Crypto Exchange to make the PXP token like a store of value. We're already working on this.  
Unlike KuCoin, we have an intention to provide leveraged marginal trading to our customers to make more profit.

[Rollddice1983]

How will your exchange platform solve the problem of volume and liquidity? This is very important in exchange.

[workasset1]

Since there will be an exchange platform, any idea what pairings will be available and will the fees be lesser compared to other exchange platform? And what is your advantage to other top exchanges like Binance, Liquid and Kucoin?

Initially, trading fees will be reduced almost to zero to attract as many traders from other exchange platforms as possible. Trading pairs currently available are the following: ETH/BTC, BTC/USDT, BNB/BTC, ETH/USDT, LTC/USDT, TRX/USDT. Mainly, creation of new trading pairs will depend on the whole market trading volumes and the community demand. PXP token holders will obtaing the right to vote for emerging this ot that trading pair.  
Unlike Binance, we are going to provide stacking-based profit sharing model of paying dividends to token holders, who store PXP tokens directly on the PointPay Crypto Exchange to make the PXP token like a store of value. We're already working on this.  
Unlike KuCoin, we have an intention to provide leveraged marginal trading to our customers to make more profit.

That's interesting. You guys provide a lot of advantages in trading. I will be looking out for more advancements and news about the exchange platform that you guys are trying to develop. Hoping for a successful tokensale.

[miner32342]

How will your exchange platform solve the problem of volume and liquidity? This is very important in exchange.

We are currently negotiating with a few cryptocurrency and fiat liquidity providers who render this kind of services in the cryptocurrency market. This is a necessary step to be taken for a new exchange platform. It will take a considerable amount of time in order to accumulate significant liquidity reserves to meet in the future large traders' needs.


We have attended Malta AI & Blockchain Summit! See our thoughts and impressions in the article below!

"The spring summit in Malta, known as “Blockchain Island”, became for the PointPay Team another successful opportunity to share experience with colleagues. It was a pleasure to immerse ourselves into a truly unique atmosphere created by progressive-minded crypto-enthusiasts. The event brought together about 5,500 participants, among which was also the Joseph Muscat, Prime Minister of Malta. He is known for his advanced views and firmly convinced of the great promise of blockchain technologies.
We were thrilled to see Tim Draper and Roger Ver again. Their performances always attract the audience attention. The latter one traditionally surprised the participants with his unshakable confidence stating that the penetration of cryptocurrencies in all spheres of everyday life is a matter not of a nearest future.
At the same time, “Bitcoin-Jesus” demonstrated remarkable awareness in everything that concerns the current state of the cryptocurrency market. The culmination was his discussion with analyst and trader Tone Ways. Roger Ver argued that BTC does not stand up to competition with BCH. He motivated it primarily with the high cost of transactions.
His opponent, in turn, assured that such technical solutions as Lightning Network and SegWit allow sending small bitcoin transactions without having to pay high fees.
The crucial moment for the public was a dispute for $ 10,000. Roger promised to present this amount of funds to Tone on the following terms. Tone sends a BTC transaction equal to $ 5 with one satoshi per byte fee. This is, by the way, a standard fee for BCH transactions. If Tone’s transaction will be confirmed within 24 hours, Roger gives him $ 10,000. The transaction was finally confirmed in ten hours. Nevertheless, experts noticed that the transaction was manually added to the block by one of the mining pools. The explicit goal of this action was to help Tone Ways to win the dispute.
Who won the dispute, after all?"

[3x1t]

I see you are working on development of crypto wallet with SPV technology. That's awesome! But I wonder if you are going to make a wallet back-up function for the web version. That really concerns me as a few days ago I lost an access to my Ledger Nano S wallet due to a firware update trouble.
Hardware wallets gained a poor reputation from my side after such an issue happened.   

Anyone who use mobile wallets?
I think it is very dangerous.

not really. I'm currently using Coolwallet, a hardware wallet which provides a 2 factor auth. So the only time your funds are at risk is if, they have your phone, and they have the card itself + your fingerprint. Comparing that to other desktop wallets which I find more dangerous. Even one of the upcoming projects partnered with them to make their own hardware wallet in where the users can store their digital collectibles together with other major coins. Though mobile wallets are still okay, Trust and Eidoo are good.

I've been using hardware Ledger Nano S wallet for 2 years. Used to think it's the most convenient and secure wallet in the cryptocurrency market now (24-word seed phrase for a back-up, for instance, and keeping a private key in the encrypted part of the wallet) since they obtained a Certification de Sécurité de Premier Niveau (First Level Security Certificate), until I decided to update the version of the firmware from 1.3.1 to 1.8.0 in order to use more than 5 currencies simultaneously (I'm an active trader). The updation process is stuck. I can't use my wallet anymore. It turned out to be a common issue. The Ledger team could at least leave a warning note about this challenge in the account of a desktop version in order to avoid this difficulty in the future. As far as I understand, it's not workable anymore, as those ways undertaken to tackle the issue (based on their advice and users' help) completely failed.

Now, I have to use a Coinomi wallet, since they support BIP32 layout for 24-word seed phrase for the recovery. It's inconvenient and doesn't have a user-friendly interface for customers though.  

I would like to continue using my Ledger wallet, but I'm not ready to give them another $100-150. It's a disaster.  

Totally devastated.