PointPay provides all-in-one solutions. Its ecosystem includes:

• Blockchain-based cryptobank

  Checking and Savings accounts

  Easy transfers within the ecosystem

  Daily compound interest

  Highest interest rates

  Instant crypto credit line

  PXP token staking program

  Invoices generator

• Exchange

  Crypto School (Helpful video tutorials)

  Market, Limit, Stop-limit orders

  Instant swap crypto2crypto

  Referral system

  Progressive discount scale for PXP token holders

• Wallet

  Multi-currency capability

  Real-time rates

  Cryptocurrency portfolio

• Payment system

  50+ major fiat currencies

  Buy/sell option

  Automated conversion process

  Connection to all PointPay products

• Native off-chain technology

  Instant transfer between all of the PointPay products

  No fees for moving funds inside the PointPay system

  Off-protocol confirmation of transactions

• PointPay token (PXP)

  PXP token enables to PointPay customers to earn a higher yield in PointPay CryptoBank

  Up to 40% token bonus with the PXP staking program

  PXP token enables traders to cut taker/maker fees on PointPay exchange

  Discounts for taking the cryptoloans for PXP token holders

• Crypto School

  Three difficulty levels: beginner, medium, and expert

  Access to the premium video tutorials for PointPay (PXP) token holders

PointPay ICO sale ended on June 30th, 2021. Please see the current market price of PXP tokens here: https://coinmarketcap.com/currencies/pointpay/.

Assets: BTC, BCH, LINK, DAI, ETH, LTC, XRP, PXP, USDT, XAUT, TRX, USDC, BNB, UNI, and more to come!

Supported networks: ERC20, TRC20, BSC.

Please make sure to check the network per each asset specifically.

Deposits - no fees charged.

Internal transfers - no fees charged.

Currently, PointPay does not require customers to undergo KYC procedure, but this feature is soon to be implemented. For now, it can be requested by our third-party fiat providers (Mercuryo, MoonPay, Indacoin, Itez, ADVcash, etc.) in case customers execute fiat2crypto and crypto2fiat operations.

Nevertheless, PointPay fully complies with any external requests issued directly by regulatory institutions or through customers.

• In order to update any of your personal information (e.g. username, email address, etc.) please contact our customer support.

• We recommend to enable both types of 2FA verification (via Google Authenticator app and email address) in order to provide additional security for your PointPay account.

The PointPay application supports all of our core products - the blockchain-based cryptobank, exchange, wallet. The application projects most of the products' features combined in the easy-to-use app.

Download the app from GooglePlay: https://play.google.com/store/apps/details?id=com.pointpay.bank&hl=en_GB&gl=US

Download the app from AppStore: https://apps.apple.com/us/app/pointpay-bank-crypto-wallet/id1512836089

The live roadmap is available on the main page, where each member may track the progress from the very beginning of our project and see the features that were implemented: https://pointpay.io/live-roadmap

Follow the company plans and ambitions for further development on the roadmap: https://pointpay.io/roadmap

Please, check your transaction history here:

History of the Transaction of Cryptocurrency | PointPay

My Crypto Transaction | PointPay

If you have not located your crypto in the above links, please contact our customer support via the live chat or write an email on [email protected]. Members of the support team will be happy to assist you with any questions or enquiries.

1. When you hold PointPay PXP tokens on PointPay Crypto Exchange (https://exchange.pointpay.io/accounts), you receive a fee discount.

2. If you hold PXP tokens in PointPay CryptoBank (Savings account), you may earn up to 12% yearly with PXP -token: FAQ about PointPay Crypto CryptoBank

3. If you hold PXP tokens in PointPay CryptoBank, you can participate in the PXP staking program and earn up to 40% tokens.

4. If you hold PXP tokens in PointPay CryptoBank, you receive a lower interest rate on instant cryptoloans: https://bank.pointpay.io/instant-loan.

5. If you hold at least 2,000 PXP tokens on PointPay Ecosystem, you get access to premium video tutorials regarding cryptocurrency, trading, and earning: Crypto School | PointPay

Evidently, there are a lot of benefits for PXP-token holders.

Binance does not accept external tokens such as PXP. Please, contact their customer support to return your PXP tokens back to your account and ask for a transaction ID. Once this is done, please provide the transaction ID in this chat and we will make sure your tokens are returned to your account.

Contact our support team and provide the reset key that was given to your while enabling the 2FA via the app.

If you don't have a reset key, please provide the following:

• E-mail address, that your account has been registered with

• Current balance

• Information about the last 3 transactions

• One photo that includes the following:

1. White paper with "PointPay" name and today's date written on it

2. Your face

3. The document with your picture and full name (passport, driving license, ID card)

All the above should be clearly visible in one photo.

The information we require is necessary for safety reasons and is going to be used as proof that you are the account owner.

In most cases we cannot guarantee the funds to be recovered, please contact our support team for more information.

You can delete the app and install it again with a new 4 digit code.

Centralized exchanges are easy to use especially for beginners. Centralized exchanges, compared to decentralized ones, have much more liquidity and provide traders with additional opportunities: the ability to buy cryptocurrency using debit and credit cards, place various types of orders, use the exchange platform API, etc. Traders can also contact the customer support service at any time.

We recommend enabling both types of 2FA (via email and Google Authenticator) to protect your account. Two-factor authorization settings are located here: https://auth.pointpay.io/settings.

The applied two-factor authentication login function will also be applied to other PointPay products: Blockchain-CryptoBank, Crypto Wallet, Exchange and Payment System.

To send funds, you need to know the address of the crypto wallet of the user who is registered in the PointPay Blockchain CryptoBank (for example, the address of the Bitcoin wallet).

In addition, you can use the function of sending funds via the user’s email who is registered in the PointPay Blockchain CryptoBank. To do this, select the account from which you want to send funds (for example, the Bitcoin Checking Account), enter the amount and the email address of the user registered in the PointPay Blockchain CryptoBank. When sending funds by email, they will be credited to the user's Checking account in the corresponding currency.

The interest rate on a deposit for the PointPay token (PXP) depends on the number of tokens in the account and is dynamic.

All transactions inside the PointPay ecosystem are off-chain.

Blockchain operations are available when you deposit funds to PointPay or withdraw funds to external wallets or exchanges.

Currently, we do not have the option to change the email address in your account. If you would like to use a new e-mail, please create a new account and move your funds there manually. After you create a new account, please contact our support team for assistance in deleting your old profile.

In case you used a mobile app, please try logging in to the web version - https://pointpay.io/

If you want to change your password, first you must log out of the website. Then please fill in this form and restore access to your account via email: https://auth.pointpay.io/forgot-password

You just need to remember your email. After you enter it, you will receive an email with a link. Click on this link and set up a new password.

Choose only the ERC-20 network. Otherwise, you will lose your funds.

For a faster response, please use our Contact us form. Additionally, logged-in users can enjoy a dedicated customer support team, which will answer all of your questions via online messenger. Also, you can send your questions to our email: [email protected]

We do not work with countries from the US sanctions list.

Unfortunately, our services are not available for citizens of the following countries:

• Cuba

• Syria

• Libya

• Sudan

• Somalia

• North Korea

• Yemen

• Saint Vincent & the Greanadines

Please see the market price of PXP tokens here: https://coinmarketcap.com/currencies/pointpay/

Passing KYC verification is not required, as PointPay Сrypto Exchange operates only with cryptocurrencies or other digital assets that are not fiat funds. PointPay Crypto Exchange does not store the fiat funds of users. All processing of fiat payments is carried out only by PointPay partners who carry out all the necessary KYC / AML procedures on their own platforms.

Yes, sure. You can start chatting with other traders on PointPay Crypto Exchange by opening the ‘Chat’ tab in the bottom right corner of your screen. Then choose your language group. Three groups are available: for English-speaking, Chinese-speaking, and Russian-speaking users.

The newsletter is a weekly email received by users of the PointPay platform, in which we talk about the progress in the development of PointPay products.

Access to all PointPay products is available with a single account.

Currently supported – BNB, BTC, BCH, LINK, DAI, ETH, LTC, XRP, PXP, USDT, XAUT, TRX, USDC, UNI.

PointPay Token (PXP) is an ERC-20 token of the PointPay platform. The PXP token is issued on the Ethereum platform. PXP token holders receive the following benefits and bonuses:

1. Discounts for trade transactions on the PointPay crypto exchange

2. Higher yields on deposits in PXP token in the PointPay CryptoBank

3. Access to premium videos from PointPay Crypto School with advanced trading strategies that explain how to make money in the crypto market

4. Access to the PXP staking program with the ability to earn up to 40% tokens

If you are having issues with your transaction, please contact our customer support and provide transaction ID (txid) in text format along with a receipt (if applicable) and the name of the cryptocurrency.

The PXP token is directly related to the price of USD. The value in EUR is calculated automatically and changes if the value of USD against EUR changes.

Please, refer to the links below:

• How to add PXP to MetaMask?

• How to add PXP to MyEtherWallet?

PointPay is a centralized platform. We store private keys using military-grade encryption. We don't provide private keys to users due to security reasons.

Refunds are not made in accordance with the terms and conditions that you agreed to when signing up for an account: https://cdn.pointpay.io/Terms_And_Conditions_20210511.pdf Now that the token is listed, you are able to withdraw and swap PXP to another cryptocurrency on the BitGlobal Exchange.

Here are the links to BitGlobal:

Deposit here: https://global.bithumb.pro/asset/deposit/spot?c=PXP

Trade here: https://www.bithumb.pro/en-us/exchange/professional?q=PXP-USDT

There may be some delays when registering a new account. Please contact our support team for assistance.

PointPay Blockchain CryptoBank is a platform that allows users to receive a complex daily interest on deposits in cryptocurrency.

Checking account is convenient for daily usage. It allows a member to make an unlimited number of operations for receiving and sending funds in cryptocurrency. The interest rate on a Checking account is lower than on a Savings account.

• You can top up accounts with an amount not less than the minimum (indicated on each corresponding account);

• Make transfers between accounts in the PointPay Blockchain CryptoBank;

• Make transfers from accounts in the PointPay Blockchain CryptoBank to accounts in other PointPay products (PointPay Crypto Exchange, PointPay Crypto Wallet) and vice versa;

• Make transfers from accounts in the PointPay Blockchain CryptoBank to wallets of third-party services.

Each account (Checking or Savings) can be deposited with an amount above the minimum. For example, you have decided to deposit funds to an account where the minimum deposit is 0.01 ETH (Ethereum). If the sum you are going to deposit is less than 0.01 ETH, the funds will be lost. Please, beware.

It has never been that easy to take a cryptoloan, as with PointPay CryptoBank – https://bank.pointpay.io/instant-loan

PointPay offers an instant cryptocredit line in Bitcoin, Ethereum, and USDT under the clients' cryptocollateral. The main advantage of taking a cryptoloan with PointPay is that no credit history required.

• Make a cryptoloan request
• Provide a cryptocollateral
• Receive the cryptoloan
• Execute payments in accordance with your schedule

This feature allows PointPay customers to settle in crypto with any other external platforms. You may send crypto via receiving address or email address (both registered and unregistered users).

• Refer to https://bank.pointpay.io/withdraw?modal=pointpayme and choose your cryptobank account

• Enter the amount required and select the network

• Fill in the address receipient’s email or crypto wallet address and hit withdraw

If you have a small business or simply work as a freelancer, this feature will help you send or receive invoices in crypto for the services provided.

• Please refer to the invoices section – https://bank.pointpay.io/invoices

• Fill in the amount, choose the required currency and enter the recipient’s email address

• Press the “Send invoice“ button

Currently supported – BTC, ETH, USDT, USDC, BCH, LINK, XRP, LTC, TRX, XAUT, DAI, PXP, BNB, and more to come!

PointPay introduced Staking Program that allows PXP holders to earn more rewards – https://bank.pointpay.io/staking

You may choose one of the three packages available:

• 3 months - up to 20% APR

• 6 months - up to 30% APR

• 1 year - up to 40% APR

Please note, the interest rate will depend on the number of PXP staked specifically. The staked amount will then be locked for the period you have chosen.

If you want to start earning daily interest with PointPay, you can deposit your crypto from another wallet or exchange with the 'Deposit' tab: https://bank.pointpay.io/receive or buy crypto for fiat money (e.g. USD, EUR, CAD, GBP and etc.) with PointPay Payment System: http://payments.pointpay.io

You can earn interest with both checking and savings accounts; however, the APR on a savings account is higher. You can easily transfer your funds with the 'Transfer' tab and start earning more APR: https://bank.pointpay.io/transfer

If you make more than 3 withdrawals within the same month from your savings account, your APR rate on the savings account will be lowered to your checking account until the end of the month.

Please deposit your cryptocurrency to PointPay CryptoBank using the 'Deposit’ tab

(Bitcoin/ Ethereum/ Tether USD or any other currency):

https://bank.pointpay.io/receive

Open the PointPay Instant CryptoLoan page in PointPay CryptoBank http://bank.pointpay.io

• Set the amount to borrow;

• Check if you have enough cryptocollateral in other cryptocurrencies;

• Choose the cryptoloan term and the preferred Loan-to-Value (LTV) rate;

• Accept PointPay CryptoLoan Service Agreement and get a cryptoloan.

Also check our FAQ and video presentation on that: https://bank.pointpay.io/instant-loan.

You can withdraw funds from your checking or savings account at any moment. Your funds are not locked in PointPay CryptoBank.

The interest rate is indicated on the card of each account (for example, yield: 1.5%). For instance, if it is indicated that the yield is 1%, then the member will receive 1% of the deposit amount in one year. The accrual of interest on all accounts is daily. The percentage is complex.

This means that every day the interest is calculated on the amount of the deposit and interest funds received on previous days. All operations are indicated in transaction history.

You can find more information on fees here: https://bank.pointpay.io/fees-and-limits

Classic exchange is a trading platform. You may set and execute a number of orders: market, limit, stop-limit, etc.

If there are no PXP tokens on the balance of the PointPay Crypto Exchange, the fee for the maker is 0.05% of the amount of his trading request. If there are no PXP tokens on the balance of the PointPay Crypto Exchange, the fee for the taker is 0.05% of the amount by which he/she pays off the order placed by the maker. Depending on the number of PointPay tokens (PXP), which could be bought on the PointPay token sale platform, the following fee discounts for takers and makers are provided:

Quick exchange is a service, which allows you to make an instant swap:

1. First navigate here https://exchange.pointpay.io/accounts and top up your exchange account.

2. Choose the required exchange pair, set the amount, and hit the 'exchange' button https://exchange.pointpay.io/quick-exchange

Please note, the amount will be credited to your exchange account, and only then it can be transferred elsewhere.

A market order is a request for instant purchase/sale of cryptocurrency at the best affordable market price. A market order is executed on the basis of limit orders that were previously placed in the order book. Market orders are executed instantly at the current market price.

A stop-limit order is an order which consists of two components: a stop price and a limit price. The stop price is the price at which the order will be added to the order book to buy or sell. The limit price is the price at which the order will be executed. Stop price and limit price may coincide. However, it would be safer to set a stop price a little higher for sell orders and lower for buy orders. A stop-limit order is usually used to fix profits (the so-called ‘take profit') or to avoid losses (the so-called ‘stop-loss’). When placing a stop-limit order on the PointPay Crypto Exchange, funds are instantly debited from the ‘Available Balance’ and reserved by the “On Orders” account.

A limit order is a request you place in an order book with a certain (limit) price. The limit price is determined by you. After placing a limit order, a transaction can be executed only if the market price reaches the established limit price. Therefore, you can use limit orders to buy/sell cryptocurrency with a price higher or lower than the current market price.

If you wish to get listed on the PointPay exchange, please fill out this form and let us know about your project. https://docs.google.com/forms/d/e/1FAIpQLSf1uL1D6h022cEKg8Ry9mpvrb3mdx3QjuchnnOKmoVS0b_r0w/viewform We will run a thorough analysis and then provide feedback.

Crypto School provides short series of tutorials to help users navigate through a variety of services available on PointPay.

Currently supported – BNB, BTC, DAI, LINK, USDC, ETH, XRP, USDT, BCH, LTC, TRX, PXP (after listing on external exchanges).

There is no system fee when depositing cryptocurrency funds to PointPay Crypto Exchange.

Trade and earn with the PointPay exchange referral program!

• Get your referral link here –https://exchange.pointpay.io/referral-system

• Pass it on to your friends, so they could join PointPay

• Earn 50% from the system fee made for each exchange

Choose the order type when placing it (Market order / Limit order / stop-limit order), then enter the amount of cryptocurrency to buy or sell and confirm your action by clicking the button ‘Buy’ or ‘Sell’.

To cancel a placed order, click on the “x” opposite to the placed order in your open orders. The order will be canceled and the funds will be returned to your account balance.

To start trading on PointPay Crypto Exchange, you need to sign up. Then deposit funds to the account by going to the “Buy/Sell Crypto” tab, where you can purchase cryptocurrency using a Visa/Mastercard bank card and popular electronic wallets. Afterward, you will be able to exchange cryptocurrency through the “Quick Exchange” simplified cryptocurrency exchange function or through the order creation form.

When transferring funds from third-party wallets to your wallet accounts in PointPay Crypto Exchange, the funds are credited after several confirmations on the blockchain network of the corresponding cryptocurrency. Usually, the process takes from several minutes to several hours.

Yes, sure. You can configure the location of trading blocks on the PointPay Crypto Exchange for yourself. To do this, pull the upper right corner of the block and place it in a place convenient for you on the screen. The location of the blocks can be returned to their original place by pressing the ‘Reset UI’ button.

Your order history is available in the “Order History” tab, where you can find the most complete information on your trading activity.

If you want to transfer funds from the PointPay Exchange, please go to https://exchange.pointpay.io/accounts, choose the currency you want to transfer and press on “Transfer”. Enter the amount and choose where you want to transfer your funds.

The security of the storage of funds and personal data of users is the main priority for the functioning of the PointPay Сrypto Exchange. However, it should be remembered that the PointPay Crypto Exchange cannot ensure the security of funds and personal data of users stored on their personal computers. Therefore, additional safety measures should be taken:

• set the most complex password that will be used only on the PointPay Crypto Exchange and which will not be used on other sites;

• set two-factor authentication when creating your account;

• do not provide access to your account and device on which funds are stored; use licensed antivirus software on your computer.

Use the simplified cryptocurrency conversion function (‘Quick Exchange’ tab), with which you can exchange cryptocurrency in two clicks without the need to understand the principle of operation in the market, limit, and stop-limit orders.

A maker is a person who places an order on a PointPay Crypto Exchange. A taker is a person who closes an order placed in an order book by another person.

These buttons provide the ability to quickly buy / sell the corresponding part of the balance of your cryptocurrency portfolio (25% / 50% / 75% / 100%).

To sell the existing cryptocurrency in your account, you need to go to the “Sell Crypto” tab. Next, in the "Sell" section, select a Visa/Mastercard bank card as a source for receiving funds. Next, follow the instructions after clicking on the ‘Sell and Withdraw’ button. After the sale of cryptocurrency, the funds will be credited to your bank card within 24 business hours.

All information on operations related to depositing and withdrawing funds at PointPay Crypto Exchange can be found in the "Accounts" tab in the ‘Recent transactions’ section.

When a user creates a withdrawal request, it is instantly registered by PointPay Crypto Exchange. The speed of confirmation of your cryptocurrency transaction by miners depends on the network status of a particular blockchain and can vary from several minutes to several hours.

You can invite new users to the PointPay Crypto Exchange using your referral link and earn 50% of the system fee for trading operations performed by your referrals on the PointPay Crypto Exchange. Referral revenue commissions are paid out to your referral account balance once every 24 hours. In order to receive them, click on the button “Withdraw all”. After that, the funds from your referral account balance will be instantly deposited to your main accounts on the PointPay Crypto Exchange (‘Accounts’ tab).

Your referral link for inviting new users on PointPay Crypto Exchange is available in the tab ‘Referral System’.

Referral revenue commissions (income) and the number of your new referrals are updated once every 10 minutes.

Referral revenue commissions are paid out in the following cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), Tether (USDT).

Yes, sure. You will earn referral revenue commission if your referrals use the ‘Quick Exchange’ tab while trading.

The PointPay Crypto Exchange operates on UTC (Coordinated Universal Time).