PointPay
PointPay
Token: PointPay


PointPay is a revolutionary blockchain-powered online platform with a unique combination of features, including a multi-currency crypto wallet, PointPay crypto exchange platform, and the full-spectrum PointPay Cryptobank.

PreICO dates
Start date: 2019-05-22
End date: 2019-07-21

ICO dates
Start date: 2019-07-22
End date: 2020-01-19

Registrated in: UK

Platform: Ethereum

PREMIUM ICO

PointPay categories
Finance
PointPay whitepaper
Video
PointPay token sale
KYC passing required No | Whitelist No | Restriction for countries Iran,USA
Soft cap $1000000
Hard cap $30000000
Tokens for sale 500000000
Token distribution in ICO
50%
50%
Price 0.10 USD
Price in PreICO 0.05 USD
Minimal investment $10
Acceppting BCH,BNB,BTC,EOS,ETH,LTC,TRX,USDT,XLM,XRP
Bonus in ICO $100,000 and more 1% $200,000 and more 2% $300,000 and more 3% $400,000 and more 4% $500,000 and more 5%

PointPay is creating a fundamentally new product that combines three services in a single closed-loop ecosystem: PointPay Crypto Bank, PointPay Crypto Exchange platform and PointPay Multi-currency Wallet. We work so that our potential customers could be users of the World Wide Web residing anywhere in the world.

The payment tool will be the PXP utility token of the ERC-20 standard, created by PointPay based on the Ethereum platform as the most popular core for building blockchain systems. Firstly, this solution will combine the three above- mentioned services in one ecosystem, and, secondly, make the PXP token a valuable asset that will be in demand in the cryptocurrency market.

PointPay has business contacts with more than 50 banks and 25 payment systems, as well as 20 lawyers who deal with issues of licensing cryptobusiness. We have 4 years of experience in supporting the functioning of payment systems, including signing contracts, working with banks, working with other payment systems, paying out funds, and building complex payment schemes.

PointPay news, social
PointPay search trends in Google
Random whitepaper excerpts

Table of Contents
Executive Summary
Introduction and Crypto-analytics from the PointPay platform
Disadvantages of Trading Crypto Ecosystem, or Money Must Work
The Solution to the 'Crypto Assets Depreciation' Problem
Disadvantages of Existing Crypto Banks. Why is the PointPay Crypto Bank the best?
Benefits of PointPay Crypto Bank over Conventional Banking
Description of the PointPay Crypto Bank
PointPay Platform Investor Preferences
Disadvantages of Existing Crypto Exchanges. Why is the PointPay Exchange the Best?
Cryptocurrency Exchange by PointPay. Centralized or Decentralized?
Tokenized Assets Trading With the PointPay Crypto Exchange platform
Initial Exchange Offering (IEO) Option on the PointPay Crypto Exchange platform
Disadvantages of Existing Crypto Wallets. Why is the PointPay Multi-currency Wallet the Best?
PointPay Multi-currency Wallet
MVP (Minimum Viable Product)
Security
Legal Basis and Licenses
Composition of the Client Base of the PointPay P...

Page 3
Executive Summary
PointPay is creating a fundamentally new product that combines three services in a single closed-loop ecosystem:
PointPay Crypto Bank
,
PointPay Crypto Exchange platform
and
PointPay Multi-currency Wallet
. We work so that our
potential customers could be users of the World Wide Web residing anywhere in the world.
The payment tool will be the
PXP
utility token of the
ERC-20
standard, created by PointPay based on the Ethereum
platform as the most popular core for building blockchain systems. Firstly, this solution will combine the three above-
mentioned services in one ecosystem, and, secondly, make the
PXP
token a valuable asset that will be in demand in the
cryptocurrency market.
A description of our products – the results of the joint creative work of professional programmers and all the other
members of our team who
work full time
– is presented below.
PointPay
Crypt...

Page 4
PointPay has business contacts with more than
50
banks and
25
payment systems, as well as
20
lawyers who deal with
issues of licensing cryptobusiness. We have
4
years of experience in supporting the functioning of payment systems,
including signing contracts, working with banks, working with other payment systems, paying out funds, and building
complex payment schemes. We are currently conducting a crowdfunding campaign through the sale of
500,000,000
PXP tokens in order to raise funds for the development of fully functional versions of our products. Their first versions
are already ready for use and can be tested by our potential investors just right now!
Hurry up to invest in one of the best fintech companies of 2019!
The number of tokens is limited!
...

Page 5
Introduction and Crypto-analytics from the
PointPay platform
The crypto-industry ecosystem is developing by leaps and bounds. It’s becoming more attractive not only for investors
who view the cryptomarket as a way to get maximum profit in the shortest possible time, but also for ordinary users who
value cryptocurrencies for their fast transaction functionality, anonymous calculations and absence of any kind of
intermediaries.
Cryptocurrency platform PointPay notes that many people like the idea of “finance without borders”. That is why the
number of people actively using cryptocurrencies is steadily growing and approaching the psychological mark of 50
million people. Cryptocurrencies’ number growth dynamics is also rapid. If in 2010 the number of cryptocurrencies could
be counted on the fingers of one hand, then in 2018 their number exceeded 2000 and has greater chances of reaching
2500 by the end of the year.
1
It’s noteworthy that the exchange is a kind of virtual bridg...

Page 6
Disadvantages of Trading Crypto Ecosystem, or
Money Must Work
Today, an overwhelming number of crypto exchanges provide traders with access only to rate and volume charts for a
specific token or coin. Users conduct their own technical analysis based on the data presented on the exchange, make a
decision and place an appropriate order. The movement of funds ceases as soon as the system detects a request that
satisfies the conditions of the trader’s application for the purchase or sale of cryptofunds. From this moment, the user
turns from a trader into a holder. No funds movement anymore. No daily profit from cryptocurrency assets holding.
Statistics shows that more than half of traders use an extremely risky method of storing funds – the so-called 'hot'. The
cryptocurrency assets are held directly on crypto exchange. Due to technological vacuum, the funds are stored as a
“dead weight”, not generating any income and breaking the golden rule of successful people: “Money must work”.
Sign...

Page 7
The Solution to the 'Crypto Assets Depreciation'
Problem
The PointPay cryptocurrency platform team formulated its proposals on how to solve this problem and outlined 3
consecutive steps. On the one hand, these proposals will allow traders and holders to gain access to the extended user
functionality and make the funds aimlessly stored on the crypto wallets work. On the other hand, the project will be given
the opportunity to grow from the traditional, conforming to today's tough security requirements, the exchange to the
cryptocurrency analogue of PayPal, which can rightly be called a crypto bank of the 21st century – PointPay Crypto Bank.
So:
1. Issue of 500,000,000 PXP tokens based on the ERC-20 smart contract;
2. Creation of a platform with the ability to purchase tokens, sales revenue of which will be allocated for development
of products;
3. Building of a closed-loop ecosystem consisting from the PointPay Crypto Bank, PointPay Crypto Exchange
platform and PointPay Multi-currenc...

Page 8
Disadvantages of Existing Crypto Banks. Why is
the PointPay Crypto Bank the best?
Cryptocurrency and blockchain ecosystem is rapidly gaining popularity among users all over the world. While there are
many separate platforms on the market allowing buying, trading, selling and managing cryptocurrencies, there is
definitely a void in terms of having a platform with “All-in-one” approach. As seen from the comparative analysis table
below, the major market players are heavily focused on providing a limited array of services and there is a definite lack of
a user-friendly “all inclusive” platform. PointPay Crypto Bank (“PPCB”) will be a part of the “All-in-one” utility token-based
blockchain ecosystem, provide cryptobanking services one would find readily available in fiat currencies.
We are building PPCB to breach the gap between the convenience of cryptocurrencies and functionality of a traditional
bank. PPCB will be filling this underserved niche by offering everyday users a full spectru...

Page 9
Service provider:
Name parameter
Token sale status
Finished
Finished
Finished
Finished
Funds raized
$51,1 mil $151 mil $8,1 mil
Time went since
token sale was
finished (until Jan
1, 2019)
11 months 10 months
9 months
24/7 support



Mobile bank



$17,5 mil
14 months


Virtual card




Bank card




Crypto-exchange




Credits




Crypto-acquiring




Bank transfers




Bank deposits




License




Forex Trade




Legal and
consulting...

PointPay Roadmap

1
2018 Q2
- Jun 25, 2018 PointPay company registered POINT PAY LIMITED (Company No. 11431098)
2
2018 Q3
- Development of the basic MVP Crypto Exchange features started - Development of the basic Wallet MVP features started - ICO website development started
3
2018 Q4
- Blockchain listener completed - Referral system implemented for Crypto Exchange and Crypto Wallet - ICO website completed
4
2019 Q1
- Android mobile application for Crypto Exchange development started - Ecosystem planning and development
5
2019 Q2
- May 22, 2019 ICO website launch + announcement - May 22-Jul 21 Private ICO Round
6
2019 Q3
- Jul 21 - Sep 1 Round 1 - $0.10 per token - Sep 1 - Nov 10 Round 2 - $0.20 per token - Nov 10 - Jan 19 Round 3 - $0.30 per token - Crypto Bank market analysis - Crypto Bank: infrastructure planning - Integrated Crypto Exchange platform development - Integrated Crypto Wallet platform development
7
2019 Q4
- Start of Crypto Bank development - Referral and affiliate systems integration for Crypto Exchange - Referral and affiliate systems integration for Crypto Wallet
8
2020 Q1
- Filing for the following licenses: Reg. D license, EMI license UK, EMI license Estonia, EMI license Eurozone, EMI license Singapore, Banking license Cayman Islands) - Main crypto exchange features completed - Multi-currency Wallet - iOS, Android apps released (Multi-currency Wallet, Crypto Exchange)
9
2020 Q2
- Gateway crypto services development begins - Crypto merchant services development begins - Fiat support, purchasing crypto for fiat available - Crypto bank v1.0 development begins
10
2020 Q3
- Crypto Bank: mobile apps development - Fiat currencies trading support - Insurance of funds in the Crypto Wallet
11
2020 Q4
- Crypto Bank: payment systems integration - Extended analytics and support features for Crypto Exchange implementations - Fiat currencies management integration into PointPay Crypto Wallet
12
2021 Q1
- Following license granted: Reg. D license, EMI license UK, EMI license Estonia, EMI license Eurozone, EMI license Singapore, Banking license Cayman Islands) - Crypto Bank: business projects investment platform development - Financial derivatives trading
13
2021 Q2
- Crypto Bank consulting and trust management - Initial Wallet Offering
14
2021 Q3
- Crypto Bank iOS and Android apps completed
Andrey Svyatov
Team member Andrey Svyatov CEO

Anna Foster
Team member Anna Foster COO

Ivan Levitskiy
Team member Ivan Levitskiy CTO

Halina Hulidava
Team member Halina Hulidava CQO

Renat Vakilov
Team member Renat Vakilov Crypto Bank PM

Artyom Zbandut
Team member Artyom Zbandut Crypto Exchange PM

Anatoly Gugel
Team member Anatoly Gugel Crypto Wallet PM

Alex Varigin
Team member Alex Varigin Project Manager

Andrey Korovin
Team member Andrey Korovin Sr. Software Developer

Yuri Surbashev
Team member Yuri Surbashev Sr. Software Developer

Ilya Shabanov
Team member Ilya Shabanov Sr. Software Developer

Irina Karpenko
Team member Irina Karpenko Sr. Software Developer

Sergey Kovalev
Team member Sergey Kovalev Sr. Devops Engineer

Olga Luilko
Team member Olga Luilko Sr. Graphic UX/UI Designer

Maria Blyashchuk
Team member Maria Blyashchuk Business Development

Alina Ibragimova
Team member Alina Ibragimova VP of Customer Relations

Natalya Nakhmanson
Team member Natalya Nakhmanson Legal Counsel

Konstantyn Poplavsky
Team member Konstantyn Poplavsky Content Writer

Candy Zuo
Team member Candy Zuo Content Manager (Asia)

Liliya Nixon
Team member Liliya Nixon Sales and Marketing Manager

Jay Derenthal
Advisor Jay Derenthal ICO Advisor

Kevin Kim
Advisor Kevin Kim ICO Advisor

George Dicdiquin
Advisor George Dicdiquin ICO Advisor

Mikael Araujo
Advisor Mikael Araujo ICO Advisor

Alexander Svyatov
Team Member Alexander Svyatov CMO

Ilya Polyakov
Advisor Ilya Polyakov ICO Advisor

Vishal Savaliya
Advisor Vishal Savaliya ICO Advisor

Alex Prokopenko
Advisor Alex Prokopenko ICO Advisor

Naveen Kapoor
Advisor Naveen Kapoor ICO Advisor

Alex Prokopenko
Alex Prokopenko
ICO Advisor
ICO Advisor
Alex Varigin
Alex Varigin
Project Manager
Project Manager
Alina Ibragimova
Alina Ibragimova
VP of Customer Relations
Internet Marketing
VP of Customer Relations
Anatoly Gugel
Anatoly Gugel
Crypto Wallet PM
Crypto Wallet PM
Andrey Korovin
Andrey Korovin
Sr. Software Developer
Sr. Software Developer
Andrey Svyatov
Andrey Svyatov
CEO
Anna Foster
Anna Foster
COO
Candy Zuo
Candy Zuo
Content Manager (Asia)
Content Manager
George Dicdiquin
George Dicdiquin
ICO Advisor
ICO Advisor
Halina Hulidava
Halina Hulidava
CQO
Chef Quality Officer
Ilya Polyakov
Ilya Polyakov
ICO Advisor
ICO Advisor
Ilya Shabanov
Ilya Shabanov
Sr. Software Developer
Sr. Software Developer
Irina Karpenko
Irina Karpenko
Sr. Software Developer
Sr. Software Developer
Jay Derenthal
Jay Derenthal
ICO Advisor
ICO Advisor
Kevin Kim
Kevin Kim
ICO Advisor
ICO Advisor
Liliya Nixon
Liliya Nixon
Sales and Marketing Manager
Sales and Marketing Manager
Maria Blyashchuk
Maria Blyashchuk
Business Development
Business Development / HR
Mikael Araujo
Mikael Araujo
ICO Advisor
ICO Advisor
Naveen Kapoor
Naveen Kapoor
ICO Advisor
NAVEEN KAPOOR
NAVEEN KAPOOR
CHIEF BLOCKCHAIN ADVISOR
Renat Vakilov
Renat Vakilov
Crypto Bank PM
Crypto Bank PM
Sergey Kovalev
Sergey Kovalev
Sr. Devops Engineer
Doctor of Geological and Mineralogical Sciences.
Sr. Devops Engineer
Vishal Savaliya
Vishal Savaliya
ICO Advisor
Blockchain & Technology Solutions Head
Blockchain/Web developer
Blockchain Developer
Blockchain & Technology Solutions Head
ICO Advisor
Yuri Surbashev
Yuri Surbashev
Sr. Software Developer
Sr. Software Developer