Pointpay.io Ico Review: Start earning today with Pointpay

Pointpay.io Ico Review: Start earning today with Pointpay

About Pointpay.io

Pointpay.io is a fintech company which has been operating since 2018. PointPay Team has created all-in-one cryptocurrency ecosystem of 10 fully functional products. PointPay disrupts regular banking system with its innovative approach targeted to crypto mass-adoption. The one-stop platform offers a full range of financial services within the first in the world PointPay Blockchain-based Bank enabling clients to open crypto checking and crypto savings account in most popular cryptocurrencies (Bitcoin, Ethereum, Ripple, Litecoin, etc) and stable coins (USDT, USDC, DAI, etc.)

Token Basic Information

Token NamePointpay.io
Token TypeERC20 Ethereum
Starting DateJuly 22nd, 2020
Ending DateJuly 22nd, 2021
Hard Cap$ 30,000,000
Soft Cap$ 1,000,000
WhitepaperClick Here For View Whitepaper
WebsiteClick Here For Visit ICO Homepage


At some phase, development of cryptocurrency market becomes impossible without mass-adoption, acting as driving force in any market. To make crypto mass-adoption happen, one will have to deal with the following challenges:

  1. Pointpay.io Provide all financial services within one blockchain-based platform. The project is to offer one-click option to buy and sell crypto directly with debit and credit cards for major fiat currencies (USD, EUR, CNY, GBP, RUB, etc.).
  2. Provide regulation and compliance to KYC/AML-policies that would bring institutional investors to the market.
  3. Provide step-by-step explanation for beginners on how to start trading/investing in crypto, and, consequently, using it as a means of payment.


2-year operation experience of PointPay showed in practice that the most effective strategy to tackle these issues was to create all-in-one solution for the market. That’s what we have already done. Let’s comment each of the challenges mentioned above.

  1. Here at Pointpay.io they created a platform which unites a few products within one blockchain-based platform: blockchain-based bank, exchange, wallet and payment system. The latter one enables the clients to buy and sell crypto in minutes with their debit and credit cards, and even – with Apple Pay.
  2. Since PointPay works within the legal framework, all the necessary KYC/AML procedures are
    conducted by the partners when processing fiat payments in acquiring banks.
  3. PointPay Team has created a series of step-by-step video tutorials in English. In details with
    concrete examples they explain basic concepts which help beginners to start trading in the
    cryptocurrency market. All the video tutorials will be translated to world speaking languages with time.

PointPay Blockchain-Based Bank

Pointpay.io first in the world blockchain-based bank enabling people to open crypto checking and crypto savings accounts and earn daily compound interest on crypto.

Implemented features

  • Crypto Checking and Savings Accounts
  • Easy transfer options between accounts within Bank and the whole ecosystem
  • Daily compound interest
  • Highest interest rates in the industry
  • Bitcoin, Ethereum, Tether USD, Tether Gold and PointPay token support
  • Higher yield for PXP token holders on a progressive scale

PointPay Crypto Exchange

Convenient custom trading UI with market, limit and stop-limit orders for PROs and Quick Exchange option along with helpful video tutorials for beginners.

PointPay Crypto Wallet

Pointpay.io Send crypto to your friends via email and conveniently track price changes in your cryptocurrency portfolio.

PointPay Payment System

PointPay customers can buy most popular cryptocurrencies (BTC, ETH, USDT, XRP, LTC, etc.) directly from debit and credit cards for USD, EUR, GBP, etc. The sell option with lowest fees is also available for USD, RUB and UAH.

PointPay Crypto School for the World

Pointpay.io supports global crypto and blockchain education. They created a step-by-step video guide which helps to start trading and making money in the crypto market for beginners.

PointPay Mobile Banking Applications

Earn daily interest, make instant exchange of currencies, buy/sell bitcoin with debit and credit cards within one application created by PointPay.

PointPay Native Offchain Technology

Pointpay.io has developed its own native offchain technology which enables you to send instant transfers to your friends and partners between Bank, Exchange, Wallet, Payment System and mobile crypto banking applications by PointPay.


Pointpay.io Token (PXP) is ERC20 compliant token issued on the Ethereum platform. It ensures security and speed of transactions as well as compatibility with third-party services.

Token Features

PXP token enables PointPay customers to earn higher yield on PointPay Bank

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

PXP token holders get an access to premium video tutorials from PointPay Crypto School

PXP token enables PointPay customers to reduce transfer fees

Discounts for taking crypto loans for PXP token holders

Why Invest in PointPay

Pointpay.io is a cryptocurrency banking platform. It disrupts the traditional bank model by enabling low-cost and instant fund transfers across the globe using our native offchain technology and PointPay token (PXP). 1.5 billion people worldwide don’t have both financial literacy skills, and an access to banking services, but they would like to. By purchasing PointPay token (PXP) you invest in the future of global crypto and blockchain Education through PointPay Crypto School.

As a reward for contribution to World Education, PointPay token (PXP) holders get the right to earn higher yields (up to 20% annually) on a progressive scale on PointPay Blockchain-based Bank with Checking and Savings Accounts. Furthermore, PointPay token (PXP) holders are entitled to send instant payments within PointPay products with lower commission as well as trade on PointPay Crypto Exchange with reduced fees.

Finally, PointPay token (PXP) holders get an access to premium video tutorials with advanced trading strategies where we explain how to make money in the crypto market. Just one account for all the products! Join to PointPay! Join the Family of Banking and Learning!

PointPay Payment

Pointpay.io Payment System letting customers to settle the payments with their debit and credit cards as well as ApplePay. Now everyone can conveniently buy and sell crypto for 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, etc. PointPay customers can also sell their crypto (BTC, ETH, USDT) for USD, RUB and UAH and withdraw the funds to their debit cards.