PointPay - ICO Review

PointPay is a UK-regulated 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 fintech 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.), and earn interest with daily accruals.

With PointPay Bank PointPay customers can issue invoices and send the funds via email address. For those who would like to join crypto market, PointPay offers to buy Bitcoin and Ethereum with debit and credit cards, SEPA, Samsung Pay and Apple Pay through PointPay Payment System with more than 40 fiat currencies with global processing coverage. PointPay uses military-grade encryption hence the storage of funds is completely secure with PointPay Crypto Wallet. Novices will appreciate PointPay Crypto School where everyone can get to know more about Bitcoin, Ethereum and advanced trading strategies on the crypto market. All the payments inside the PointPay platform are instant and processed by PointPay Native Offchain technology providing inexpensive fees to PointPay customers.

With PointPay Crypto Exchange PointPay clients can trade crypto using market, limit and stop-limit orders as well as earn 50% from the system fee on the trades of referrals.  The growing pace of life makes everyone to keep crypto at their hands. That’s why the Team has created PointPay crypto banking applications for Android and iOS uniting all the features of ecosystem: instant swaps, buy and sell option with credit and debit cards, daily accruals and instant crypto credit line. Each PointPay customer can take a crypto loan under the collateral of some crypto either on the website or mobile app. Just one account needed to start using all the PointPay products. PointPay customers can order VISA crypto debit card and instantly convert their crypto to fiat and spend it in more than 25 million outlets worldwide.

PointPay has its own utility ERC-20 compliant token – PXP. PXP is the core instrument within PointPay ecosystem. PointPay (PXP) token holders can earn up to 30% yearly with PXP tokens and get discounts for trading, all internal transfers on all currencies, taking crypto loans as well as get an access to premium video tutorials of PointPay Crypto School.

PointPay invites everyone to take part in its PXP token sale and support the development of PointPay crypto ecosystem!

Address 71-75 Shelton Street, London, England, WC2H 9JQ
Headquarters London
Free phone +44-2076600707
24 hour support yes
Partnership programs yes
Trust management yes
Expert advisors yes
Free education yes
Bonuses, Promotions 50% referral bonus
Trading by phone yes
Mobile trading yes
Automated trading yes
Swaps yes
24 hour trading yes
Scalping yes
Popular payment methods debit and credit cards
Account currencies BTC, ETH, USDT, USDC, DAI, XRP, PXP, LTC
Languages EN, RU, DE, JA, ZH, FR, ES, KO, TR
Platforms pointpay.io
Broker type Crypto Platform
Regulation UK
Foundation 2018

Pre-Ico Start dateMay 22, 2019
Pre-Ico End dateJuly 21, 2019
  • Andrey Svyatov. CEO
  • Anna Foster. COO
  • Ivan Levitsky. CTO
  • Halina Hulidava. Chef Quality Officer
  • Renat Vakilov. Crypto Bank PM
  • Artem Zbandut. Crypto Exchange PM
  • Anatoly Gugel. Crypto Wallet PM
  • Alex Varigin. Project Manager
  • Andrey Korovin. Sr. Software Developer
  • Yuri Surbashev. Sr. Software Developer
  • Ilya Shabanov. Sr. Software Developer
  • Irina Karpenko. Sr. Software Developer
  • Sergey Kovalev. Sr. Devops Engineer
  • Sergey Vishnyov. Sr. iOS Software Developer
  • Olga Liulko. Sr. Graphic UX|UI designer
  • Maria Blyashchuk. Business Development / HR
  • Alina Ibragimova. VP of Customer Relations
  • Konstantin Poplavsky. Content Writer
  • Candy Zuo. Content Manager
  • Liliya Nixon. Sales and Marketing Manager
  • Aleksandr Sviatov. CMO
  • Elena Zaytseva. Banking and Back Office Manager
  • Elza Hovhannisyan. Content writer
  • Farheen Irfan. Community Manager
  • June 25, 2018. Point Pay Ltd. Company registered. Reg No 11431098
  • Q3 2018. Blockchain listener for transactions completed
  • Q3 2018. Common ecosystem infrastructure plan created
  • Q3 2018. Main site created
  • 2018 Q4. PointPay whitepaper, one-pager, pitch deck created
  • 2018 Q4.  PointPay is added to major rating agencies lists
  • 2018 Q4. PointPay promotional video created
  • 2019 Q1. Authentication form created
  • 2019 Q1. Community of supporters created
  • 2019 Q1. Token sale form created
  • 2019 Q2. All social media accounts created
  • 2019 Q2. Announcement in social media made
  • 2019 Q2. PointPay Live Roadmap created
  • 2019 Q3. Unified registration infrastructure completed
  • 2019 Q3. PointPay Crypto Exchange launched
  • 2019 Q3. PointPay Crypto Wallet launched
  • 2019 Q4. PointPay Blockchain-based bank launched
  • 2019 Q4. PointPay is elected the best blockchain start-up 2019 at Blockchain Life
  • 2019 Q4. PointPay token (PXP) integrated into Bank, Exchange and Wallet
  • 2020 Q1. PointPay Payment System with buy option launched
  • 2020 Q1. Sell option added to PointPay Payment System
  • 2020 Q1. Payment System connected to Bank, Exchange and Wallet
  • 2020 Q2. MoonPay, Indacoin, Mercuryo with worldwide debit and credit card coverage integrated into PointPay Payment System
  • 2020 Q2. Home pages are added to all products
  • 2020 Q2. PointPay Crypto School created
  • 2020 Q3. One-click instant transfers between all the products implemented
  • 2020 Q3. Release of mobile banking applications for Android and iOS
  • 2020 Q3. Markets overview integrated into PointPay Crypto Exchange
  • 2020 Q3. Lower transaction fees on a progressive scale for PointPay (PXP) token holders within the whole ecosystem implemented
  • 2020 Q3. PointPay complies with PCI DSS
  • 2020 Q3. Discounts to PXP tokenholders for internal transfers within the ecosystem
  • 2020 Q4. Launch of PointPay Crypto Loan module
  • 2020 Q4. Adding sell function to PointPay Payment System
  • 2020 Q4. Adding Exchange to mobile crypto banking applications
  • 2020 Q4. Adding loan module to mobile crypto banking applications
  • 2020 Q4. SEPA payments accessible for PointPay customers
  • 2021 Q1. VISA crypto debit card is ready for order
  • 2021 Q1. Sending the funds via email to registered and unregistered users
  • 2021 Q1. PointPay gift cards available
  • 2021 Q1. Wire transfers accessible for PointPay customers
  • 2021 Q1. Voting platform for PXP token holders
  • 2021 Q1. Increasing of trading pairs on the Exchange
  • 2021 Q1. SEO optimization of all products
  • 2021 Q1. PXP burning program
  • 2021 Q2. Filing for Reg. D., EMI license UK, EMI license Estonia, EMI license Eurozone, Banking license Cayman Islands
  • 2021 Q2. Marginal trading implementation on PointPay Crypto Exchange started
  • 2021 Q2. SWIFT payments integrated into PointPay platform
  • 2021 Q3. Attaching debit cards in personal account implemented
  • 2021 Q3. Marginal trading implementation on PointPay Crypto Exchange finished
  • 2021 Q4. Following licenses granted: Reg. D. Filing, EMI license UK, EMI license Estonia, EMI license Eurozone, Banking license Cayman Islands
  • 2021 Q4. Aggressive promotion of PointPay on all the markets
  • 2021 Q4.  Full ecosystem completed

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StartJuly 22, 2019
EndJuly 22, 2021
176 days left
Soft cap$1 000 000
Hard cap$30 000 000
Minimum investment0.10 USD
Tokens for sale500000000

PointPay 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!

Know1tAll   January 19, 2021  

PointPay is the first in the world blockchain-based bank enabling people to open crypto checking and crypto savings accounts and earn daily compound interest on crypto. PointPay Crypto Exchange offers convenient custom trading UI with market, limit and stop-limit orders for PROs and Quick Exchange option along with helpful video tutorials for beginners. With PointPay Crypto Wallet you can send crypto to your friends via email and conveniently track price changes in your cryptocurrency portfolio. With PointPay Payment System 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.

Peter_777   January 1, 2021  

As now the project is growing, the team attracts new users with many bonuses. I took part in Bounty, Airdrop, Referral program (and I continue to earn with referral program). So even you are not an active trader, I recommend creating an account on PointPay right now to receive bonuses and referral %, that's an easy way to make money in our difficult times. About the PointPay ecosystem itself - to have really low fees you need to buy (well - or receive as a bonus) PXP tokens. Commission they charge from users with tokens and without tokens are different. Good luck to all PointPayers.

Greg   October 15, 2020  

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