Blockchain-based banking

One of the main use case of the blockchain I think is the banking system. Bitcoin is the first cryptocurrency created using the blockchain system making it decentralized and free for everyone to use but it lacks on something, to bank the unbanked. Several cryptocurrencies aren’t made that way, they have their purpose and working well enough to serve those purpose but who would take care of the crypto banking system? I have seen previous crypto banking platform that are unable to perform well because of their lack of research, there is no working product, cryptocurrency price volatility and they rely on the target market which is banking but not aiming to get more bankers with lower deposit limits, affordable crypto cards, and some of traditional banks investment features.

Introducing PointPay,

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.

PointPay Crypto Exchange Platform

Top exchanges in comparison with PointPay :

Fiat deposit and withdraw —The feature of real money traded in and traded out of the exchange is not common. Most exchanges are having trouble implementing this feature.
Tokenized asset trading (stocks, indices, commodities) — Rarely you could see traditional assets could be traded and PointPay is one of the few.
Daily crypto returns to PXP holders — Dividend for holders
4 level Referral system— Up to 4th degree of referral benefits.
Leveraged trading — 10:1 ratio providing traders the opportunity to amplify their gains, as well as potential losses
24/7 support — Customer friendly exchange so you don’t have to worry about possible queries because you’d get response right away.
Futures Contract Trading — standardized agreements that typically tradeon an exchange. One party agrees to buy a given quantity of securities or a commodity, and take delivery on a certain date. The selling party to the contract agrees to provide it and the buyer to bought it.

Initial Exchange Offering (IEO) Option

Benefits for investors : *Confidence because they would rely on the reputation of the exchange conducting IEO instead of new start-up conducting ICO.
*One account for many IEO you wish to invest.
Benefits for cryptocurrency projects conducting tokensale : *Higher liquidity because of automatic exchange pairs
* No marketing needed, all users of that specific exchange would be aware of new IEO to come out.
* Many investors.
Benefits for the PointPay Crypto Exchange platform : * More users would use the platform for the interest of investing on new IEO’s.
* More traders that would trade meaning more cryptoback for PXP holders.
* Better and healthier community.

PointPay Multi-currency Wallet

Now you can send and receive crypto and fiat currency to other members of PointPay platform. Enjoy secure, fast transactions with our lowest fees!

Multi-currency Wallet — Could be used as a wallet for most type of cryptocurrencies into different blockchains.
Multicurrency crypto and fiat accounts — Also a wallet for your fiat and could be easily converted into cryptocurrency : fiat-cryptocurrency, cryptocurrency-cryptocurrency, cryptocurrency-fiat.
Instant exchange — Automatically change your crypto via the rates of their exchange. Market buy, Market sell. Price fluctuations may apply.
Cryptocurrency payments —
Instant deposits/withdrawals in EUR, USD, GBP, JPY, CHF — The ability to instantly cash out cryptocurrency through the withdrawal on the card VISA / MasterCard, UnionPay , payment system Payeer, AdvCash, Yandex.Money, etc.
Easy to use — User friendly interface and secure features including 2FA, SMS and email confirmation. Also send money using email or SMS.

PointPay Crypto Bank

A new direction in the crypto market: manage, save and grow your capital with PointPay. We are building a unique all-in-one solution for the global market.

Low fees — No more intermediaries
Fast transfers worldwide — Using the blockchain technology, instantaneous transactions are possible. No limit, no boundaries.
No currency restrictions — Available in all currencies of your choice.
Virtual, debit and credit, fiat and crypto currency cards — ATM anywhere in the world. Instead of the pointless release of expensive ATM terminals, the PointPay team will develop software that will be implemented in existing ATM systems of other companies.
Cryptocurrency Lending — Useful for most start ups looking for loans without the hassle given by traditional banks and has higher limits.
P2P Loan — Via smart contracts, it is now possible to borrow money from a private person who is also using PointPay Crypto Bank.
Online mobile banking — Experience the ease of Banking using your phone.
Crypto Forex Trading — Trade different currencies, crypto or fiat, it’s all possible. fiat-cryptocurrency, cryptocurrency-cryptocurrency, cryptocurrency-fiat.
Crypto Aquiring — For ease of use and global adaptation. The possibility of fast, transparent and anonymous payment of cryptocurrency of various goods and services in stores, cafes and restaurants using PXP token. PointPay cryptocurrency acquiring works in all directions: fiat-cryptocurrency, cryptocurrency-fiat, fiat-fiat, cryptocurrency-cryptocurrency.

Token economics

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

Soft cap: $1,000,000

Hard cap: $30,000,000

Symbol: PXP (PointPay token)

Total supply: 500,000,000

Unsold tokens: to be destroyed

Retail price: 1 PXP = $0.10

PointPay Team and Experiences

Andrey Svyatov
CEO
Young and ambitious trader with a three-year experience. Author of analytical articles about blockchain technologies and cryptocurrency trading. Used to be a marketing and token sale advisor of a few cryptocurrency fintech projects with over 21 mil raised in total. Active promoter of such derivative financial instruments as ETFs & futures for crypto. Co-founder of the service clientach.com for automated search of clients in social networks with fiat and cryptocurrency gateway. Skillful leader to inspire by personal example the Team for reaching a success in crypto world.

Anna Foster
PROJECT MANAGER
With over a decade of hands-on experience in digital development and marketing space, Anna brings in a unique combination of skills to PointPay. Her expertise in IT-team building, successful development of e-commerce projects from ground up and developing marketing strategies gives PointPay the competitive edge it needs to succeed.

Ivan Levitskiy
CTO
Seasoned IT professional with over 7 years of software engineering, including experience at space industry. Has expertise and experience with building high-load services, PHP, Java, MySQL, PostgreSQL, JavaScript, AWS, Blockchain, Ether Smart Contracts (Solidity). Experienced building full stack development teams.

Halina Hulidava
COO
Expert in data analysis, increasing of business processes efficiency, and asset management. Comprehensive financial analysis expertise. An experienced professional with acute sense of urgency for project completion deadlines. Worked on a wide range of IT projects within both public and private sectors.

Renat Vakilov
CRYPTO BANK PM
An experienced IT manager with 15+ years of practice in various industries and fields. Years of running software development, operations support and project implementation while bringing innovations. Expertise in payment software implementation for banks and commercial organizations. Speaks both IT and business languages to facilitate decision making for strategy planning and issues resolving. Certified Professional Scrum Master (PSM) and Professional Scrum Product Owner (PSPO). Certified ITIL professional.

Alex Prokopenko
CRYPTO EXCHANGE PM
Alex has over 17 years of running IT projects. Project Manager with a proven track record in the information technology industry. Demonstrated skills in various fields: banking software, fintech, machine learning, blockchain technology, information security, IT infrastructure. Experience working with large companies, managing government contracts, managing startups & Experienced in organizing workflow from ground up. Capable of building the team and the processes. Theoretical and practical knowledge of PM methodologies.

Anatoly Gugel
CRYPTO WALLET PM
Anatoly has co-founded the bitkong.com project, the world’s first gambling game with this lottery mechanics for bitcoins. He also organized, launched and implemented Uservice ICO for $23 million. Anatoly has worked with projects Movieschain.io , Monoreto.com, myIDM.io, Deneum.com, NeoGame.io, MuleChain.com and a few others. His last involvement is as a project manager/adviser in the field of crypto industry and as the marketing director at the Bitmaxi-capital crypto fund.

Alex Varigin
PROJECT MANAGER
A blockchain enthusiast, expert and trader with high level business skills to run a complex organization. Alex’s previous general management roles prepared him for leading PointPay team in building and launching the future of crypto payment systems. Alex is exceptionally proficient at managing larger teams of various trades and ensuring seamless day-to-day operation of the company. His dedication to the success of this project inspires the team for building the number one crypto platform with advanced features.

Andrey Korovin
SR. SOFTWARE DEVELOPER
As a full stack developer, Andrey brings in more than 14 years of experience in software development, software support and team building. Seasoned IT professional, dedicated to designing and building efficient software with the use of the latest technology. Fantastic attention to details. Andrey is fluent in Russian, English and Japanese languages. Skydiving B License.

Yuri Surbashev
SR. SOFTWARE DEVELOPER
10+ years of software development and business development experience. Expert in PHP, PostgreSQL, MySQL, Redis, RabbitMQ, RESTful API, Artificial Neural Networks, development of blockchain related services: Telegram bots, Multi-currency wallets. Database structure design and implementation. Design and development of online ticket-selling system. Sports and business analytics expert. Business communications. FIFA certified TMS Manager. Provided successful support of IT infrastructure for 30+ employees. General Aviation Enthusiast.

Ilya Shabanov
SR. SOFTWARE DEVELOPER
Senior Software Engineer with a demonstrated history of working in the information technology and services industry. Skilled in PHP, JS, NodeJs, React, Vue.js, Laravel, Symphony, Zend Framework, CQRS, Event Sourcing and Payment Gateways for Blockchain architecture. Strong engineering professional with a bachelor focused in Programming Engineering from Vladimir State University.

Irina Karpenko
SR. SOFTWARE DEVELOPER
Irina is a young but very talented frontend developer. Fantastic attention to details and continuous exploration of new technology makes her a valuable asset to PointPay team. Strong advocate for simpler, optimized code structure. Seasoned UX/UI expert, dedicated to ensuring the best possible user experience with websites. Expert in Angular 2+, Typescript, VueJS, D3.js and HTML/CSS.

Sergey Kovalev
SR. DEVOPS ENGINEER
One of the most skilled and dedicated DevOps engineers, passionate in ensuring the highest security level for IT projects and building optimized infrastructure. Sergey is certified by Amazon as Solution Architect and DevOps Engineer specializing in Big Data and Advanced Networking, and is also a seasoned expert in functional and parallel programming.

Sergey Vishnyov
SR. IOS SOFTWARE DEVELOPER
Experienced iOS software developer with a demonstrated history of working in the information technology and services industry. Skilled in iOS, Google Analytics, Android, Cocoa Touch, and Core Data. Strong professional with a High School focused in Faculty of Mathematics from Vitebski Dzjaržauny Universitet imja P.M. Mašerova.

Olga Liulko
SR. GRAPHIC UX/UI DESIGNER
Olga is the lead designer, who enjoys creating attractive and clear design. Her signature work is related to web design and UI/UX design. Being an expert of Adobe Photoshop, Adobe Illustrator and Adobe After Effects, Olga continues improving her knowledge of the said software and learns new technologies.

Maria Blyashchuk
BUSINESS DEVELOPMENT/HR
Maria’s previous experience in investment planning, stock exchange consulting, financial planning and banking makes her a valuable addition to the PointPay team. Her management expertise along with business and financial acumen are critical to effective strategy execution.

Alina Ibragimova
VP OF CUSTOMER RELATIONS
Alina is responsible for managing relationships with assigned clients. Maintaining relationships through effective communication, developing product execution strategies/action plans, and ensuring these strategies are successfully launched. Proficient in B2B and B2C account management, assessing client’s needs, business goals, and opportunities and jointly create and execute a growth plans to align with the overall client business strategy. Partnering with sales and marketing team to cultivate strong partner connectivity and relationship. Collaborates with the Product teams and marketing team to share client feedback and drive for continuous improvements.

Konstantyn Poplavsky
CONTENT WRITER
Content manager and editor. In his work, he relies on intuitive literacy resulting from intensive self-education. He is proficient in marketing and analytical writing. Freelancer with a 9-year experience in ghost-writing and editing services.

Candy Zuo
CONTENT MANAGER (ASIA)
Candy is in charge of content management and communication with our investors from Asian regions in their native dialects. Candy has years of experience in administration and customer support in multiple languages.

Liliya Nixon
SALES AND MARKETING MANAGER
Creative and seasoned sales and marketing specialist, with exceptional written and communication skills, and extensive experience in digital marketing and graphic design. Liliya administers business marketing operations and advertisement campaigns, monitors corporate social media accounts, and engages with prospects to ensure positive online presence. Years of professional experience and attention to detail make her a great asset to PointPay.

Advisors

Jay Derenthal
ICO ADVISOR
As a leading cryptocurrency and blockchain consultant with extensive business development experience, Jay has helped ICOs and STOs succeed in Europe, North America, and Asia. Jay is a veteran Bitcoin and Ethereum writer with a particular interest in the tokenization of assets into tradable securities.

Kevin Kim
ICO ADVISOR
Kevin is a Canadian-Korean with professional experience in the ICO, finance and technology industry. He has worked with multiple clients looking to expand their business and develop using a data-driven approach.

George Dicdiquin
ICO ADVISOR
As an ICO advisor and a marketing guru, George Dicdiquin has helped many crypto start-ups with their marketing, bounty, and promotions using his experience in content writing, community management, and social media marketing. George also creates reviews and research for upcoming ICO and fintech project in his spare time.

Mikael Araújo
ICO ADVISOR
Mikael is a digital marketing professional whose mission is to help companies promote their products and services. He worked with companies like Sebrae, IEL, Mobills, ICOBox and many others to impute their results. He specializes in digital marketing for blockchain and digital assets market. Mikael contributes as a columnist for Empreendedor.com.

Alexander Svyatov
ICO ADVISOR
Experienced ICO advisor, worked on a variety of projects. Project marketing and promotion specialist. Reputation management expert. Professional interests are in the area of cryptocurrency project promotion.

Ilya Polyakov
ICO ADVISOR
Ilya is an accomplished Project Manager (certified by PMP, PME), member of Project Management Institute (PMI) since 2014. His career started as a developer but due to high responsibility he became a project manager (since 2008). Major part of his projects is correlated with financial services and IT-sphere.

Vishal Savaliya
ICO ADVISOR
Vishal Savaliya is the President & CEO of the Laxmisoft Technologies, and specializes in professional mobile and web design and development for blockchain companies. Served over 200 clients across USA, UK, Canada, Singapore, Australia and UAE.

Artyom Zbandut
ICO ADVISOR
Artyom is an experienced consultant of ICO projects and start-ups that achieved their goals in the terms of crowdfunding and implementation of products. Has been engaged into cryptocurrency trading and analytics for four years. He has large experience in promoting bounty programs through social networks. He has a deep knowledge of computer technology and web development. In his consulting activity he tries to deliver information to clients in an understandable and accessible form.

CONCLUSION

PointPay is aiming to be a safe haven for all the users and holders. Having the ease with the integration of their Bank, Exchange and wallet, this would disrupt the traditional financial market if implemented really well. Currently, PointPay Crypto bank is on Alpha testing and is expected to finish on 2021. Vital on this project’s success is the Team, with the experience on Banking, crypto exchanges, software development, crypto trading, software programming for over 10 years, PointPay is the next big piece that would compete with Binance and other top wallets out there.