[PointPay] Blockchain Based Banking

What is PointPay?

Blockchain technology is increasingly being used for financial transactions and cross-border payments. In the Banking and financial sector, it is used to secure payments, maintain customer identity, complete cross-border payments, etc. One of the platforms that use this technology is PointPay, this platform offers new fundamental products for potential PointPay customers so they can become users of the World Wide Web anywhere in the world.

The products offered are in one PointPay ecosystem, the purpose of which is to make it easier for users to carry out various financial transactions. The products offered by PointPay consist of PointPay Crypto Bank, PointPay Crypto Exchange, and PointPay Multi-currency Wallet.

PointPay Crypto Bank

PointPay Crypto Bank (“PPCB”) will be part of the blockchain ecosystem based on the “All-in-one” utility, providing crypto banking services to be available with fiat currencies. The aim is to build a convenient and intuitive online banking platform so that users non-technical people can also benefit from all the services offered by PPCB without complications, which are currently related to blockchain technology.

PointPay is building PPCB to penetrate the gap between the convenience of cryptocurrency and the functionality of traditional banks. PPCB will fill this underserved niche by offering daily users the full spectrum of banking services. PointPay strives to be one step ahead of its competitors and intends to create a future bank, where customer joint settlement will be greatly simplified by eliminating bureaucratic and geographical restrictions that cannot be avoided for conventional banks, and minimizing time spent on funds transfers and commissions due to there is no need for maintenance of a number of banking personnel – all operations are carried out by users in virtual personal accounts through their cellular or desktop devices. Following are the advantages of PointPay Crypto Bank compared to conventional banks:

• Low transaction costs
• Fast transactions throughout the world
• Cryptodeposit and crypto credit
• Cryptocurrency, fiat, and virtual credit and debit cards
• Mobile online banking
• Cryptocurrency loans
• PXP loans
• Crypto Forex trading

PointPay CryptoBank will have extensive technical functions and provide the following banking services:

1. Cryptocredit and crypto debit cards. Pay with a credit card connected to the VISA / MasterCard electronic payment network and withdraw funds there in any country in the world. The application being developed will work together with the debit and credit cards issued. Guaranteed high security and card reception at almost all ATMs in the world.

2. Cryptobanking. Issuance of crypto credit for business and receipt of crypto deposits through personal accounts with a high level of privacy.

3. Loan a car to buy a car. Buy cars by issuing almost instant crypto credit, which allows, on the one hand, to contribute to the crypto economy, and on the other hand, improve the crypto bank financing structure and increase crypto flow.

4. Cryptocurrency mortgages. Buy your dream home by taking mortgage crypto loans.

5. Cryptocurrency deposits and savings accounts. PointPay Crypto Bank will not only secure your Cryptocurrency currency but will also let you receive interest fees due to the existence of a crypto bank savings account that ensures a reasonable level of profit.

6. Buy and sell shares in cryptocurrency. Buy and sell shares of any company directly from your smartphone using cryptocurrency. An extraordinary opportunity to expand the investment portfolio of any investor.

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

8. Provision of services in the Forex market through Support for ECN networks, reduce to zero the role of intermediaries, Support for progressive NDD order systems, and End-to-end STP transaction processing technology. An instant way to refill your account balance with the help of the WebMoney payment system, Yandex.Money, bank transfer, cryptocurrency, and with bank Visa and MasterCard cards. Affiliate program to attract new members. Contract with a liquidity provider.

9. Mobile crypto banking. Instant online transfers (both cryptocurrency and fiat) from anywhere in the world. Support for Apple Pay, Samsung Pay, Android Pay. Money back and referral program.

10. Virtual crypto card. The possibility of ordering a virtual crypto card (both for cryptocurrency and fiat money) with instant receipt of details to use it. NFC technology support. Withdrawals via any ATM anywhere in the world.

11. P2P loans. The PointPay platform will give its users the opportunity to get loans from individuals or other banking institutions, playing the role of a platform that brings together borrowers and lenders.

12. Cryptosoft for ATM. Instead of releasing costly ATM terminals that are useless, the PointPay team will develop software that will be implemented in existing ATM systems from other companies.

13. Banking and legal services consulting. Assistance in preparing bank documents and financial statements. Helps open fiat accounts and cryptocurrency. Legal and financial advice.

14. Acquire Crypto. The possibility of fast, transparent and anonymous cryptocurrency payments from various goods and services in stores, cafes and restaurants using PXP tokens. PointPay cryptocurrency gets jobs in all directions: fiat-cryptocurrency, fiat-cryptocurrency, fiat-fiat, cryptocurrency-cryptocurrency.

PointPay Crypto Exchange

As the All-In-One platform, PointPay Crypto Exchange products are designed based on analysis relevant to the cryptocurrency market, the PointPay team chooses exchange samples, stating the largest trading volume. The data source is the largest information analyzer – coinmarketcap.com. Comparative analysis of cryptocurrency exchanges for implementing certain options, which are considered important by the PointPay team to achieve maximum functionality.

PointPay exchanges are centralized in Crypto-to-fiat exchange services, fiat-to-crypto, crypto-to-crypto, and fiat-to-fiat. The PointPay team believes that the investment process must be more democratic and accessible to most people who want to increase their funds. Investors who have cryptocurrency in their asset portfolio do not have the opportunity to trade on the world financial market by investing in conventional asset classes.

PointPay Multi-currency Wallet.

PointPay Multi-currency Wallet is a product developed by the PointPay cryptocurrency platform. It has the following technical functions.

1. The ability to store the most popular cryptocurrency safely: Bitcoin, Ethereum, Litecoin, and many others.
2. The ability to refill the balance of the most popular fiat currencies – dollars, euros, and yuan – with the help of VISA / MasterCard, UnionPay, Payeer, AdvCash, Yandex. Money payment system, etc.
3. Possibility of exchanging funds in the following ways: fiat-cryptocurrency, cryptocurrency-cryptocurrency, fiat-cryptocurrency.
4. Ability to instantly withdraw cryptocurrency through withdrawals on VISA / MasterCard, UnionPay, Payeer payment systems, AdvCash, Yandex.Money, etc.
5. The system automatically generates statistics on the overall account balance, displaying it in dollars, euros or yuan.
6. This system provides the latest cryptocurrency rate data.
7. This system allows you to create a virtual cryptocurrency portfolio, which automatically calculates values ​​in dollars, euros or yuan. It also displays the percentage of each cryptocurrency in the portfolio to the total amount. The ability to create your own cryptocurrency portfolio by importing data directly from the web wallet balance.
8. The login account is protected by a two-factor authentication system (2FA).
9. Ability to send money to business partners, friends and relatives via SMS.
10. Ability to send money to business partners, friends and relatives via email.
11. Ability to track all transactions carried out in the “Transaction history” section.
12. Ability to recharge your mobile balance and pay bills using the PointPay Multi-currency Wallet.

PointPay Token

The PointPay platform has created and developed ecosystem tokens with PXP symbols, this is a token that runs on the Ethereum network with the ERC-20 standard. PXP is one tool to get all the services offered by PointPay. So, users or investors must have PXP tokens at the https://pointpay.io/ link during the token sale period.

Token holders who have invested significant amounts in PXP will receive tangible preferences when working with the system, including increased speed of service, discounts on exchanges, transfers and withdrawals, percentage increases depending on the number of tokens available to investors, increases in interest rates on cashback and crypto deposits, and even the option to get instant loans: the number of loans available to investors, again, will depend on the size of the investment in the project, increasing according to the number of tokens available.

PXP tokens are used as payment instruments in the PointPay Bank system. The expanded range of banking services provided with the most favorable conditions, including operations with fiat money and cryptocurrency, will undoubtedly increase demand for PXP tokens, increase their value – therefore, investors who invest in projects at an early stage will receive the greatest profits. Every year PointPay will distribute 10% 7 of its profits among investors.

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

• Soft cap: $ 1,000,000
• Hard stamp: $ 30,000,000
• Symbol: PXP (PointPay token)
• Total supply: 500,000,000
• Unsold tokens: to be destroyed

Management Team

Advisor

For updates, visit the PointPay official link below.

Website | Telegram | Twitter | Facebook |Linkedin |Reddit | Youtube | MPV itunes | MPV Google Store |

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Created By : Ivan Sanders {Bitcointalk}