Discovery. Innovation.

Freedom

PROJECT PRESENTATION

KEN SALE PROPOS

PointPay PointPay PointPay PointPay
Blockchain-based Bank Crypto Exchange Crypto Wallet Payment System

PointPay PointPay PointPay PointPay

Crypto school Native offchain technology Mobile crypto banking APPs Loan module

EURO-FRIENDLY PLATFORM

 Page 2

BLOCKCHAIN-BASED BANK Blockchain-Based Bank

The rst in the world blockchain-based bank enabling people to open crypto checking and crypto savings accounts
and earn daily compound interest on crypto

bank.pointpay.io

Implemented Features: Upcoming Features:

Crypto Checking and Savings Accounts Euro Tether support
Easy transfer options between accounts within Bank SWIFT payments
and the whole ecosystem Opening at bank in Europe within 3 years
Daily compound interest Associated partners of MasterCard in Europe
Highest interest rates in the industry Fast Bank2Bank at transfers
Bitcoin, Ethereum, Tether USD, Tether Gold and PointPay Fast C2C at transfers
token support Whole Europe processing coverage
Higher yield for PXP token holders on a progressive scale

Supported gateways and currencies:

fi
fi
fi

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 Page 3

CRYPTO LOAN MODULE PointPay Crypto Loan Module

It has never been so easy to take a crypto loan with PointPay. Leave some collateral and get instant credit line in Bitcoin, Ethereum and USDT. With PointPay Native
Offchain Technology there's no need anymore to think about expensive Ethereum gas fees, you get your loan instantly. You can withdraw the funds, trade or put them
to savings acccount on PointPay Bank. Whatever you wish!

bank.pointpay.io/instant-loan

Implemented Features: Upcoming Features:

Instant credit line Fiat loans
Major cryptocurrencies support (BTC, ETH, Referral system
USDT) for loans More currencies to be added as a collateral
Discount preferences for PXP token holders

Watch the video

How to take a crypto loan with PointPay



 Page 4

CRYPTO EXCHANGE 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

exchange.pointpay.io

Implemented Features: Upcoming Features:

Crypto School (helpful video tutorials) IEO capability
Market, limit and stop-limit orders support PointPay E-Checks
Simpli ed cryptocurrency conversion option Visual effects for new created orders
Referral system (50% bonus) and bright Public API
advertising banners Market depth chart
Progressive discount scale for PXP token holders Trading competitions
Day/night mode OTC-trading
Multi-language chat in Chinese, English and Russian Cashback
Accessible from smartphones and tablets CFD trading
24/7 customer support AI trading
Automatical calculation of liquidity in chosen orders
in the order books

Supported cryptocurrencies:
fi

















 Page 5

CRYPTO WALLET Crypto Wallet

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

wallet.pointpay.io

Implemented Features: Upcoming Features:

Multi-currency capability Sending the funds via phone number
Real-time rates More currencies to be added
Cryptocurrency portfolio Instant swap
Sending the funds via email ERC-20 tokens support
Day/night mode Price graph
Balance topping-up with QR-codes
Accessible from smartphones and tablets
Email-noti cations for deposits/withdrawals

Supported cryptocurrencies:
fi












 Page 6

ONLINE PAYMENT SYSTEM 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 EUR, USD, RUB and
UAH.

payments.pointpay.io

Implemented Features: Upcoming Features:

Buy/Sell options Crypto acquiring for merchants
Major at currencies support More providers
Major crypto currencies support More at currencies
Fully automated conversion process

Currencies:
fi
fi








 Page 7

POINTPAY TOKEN PointPay Token

PointPay token sale
is ongoing!

Implemented Features: Upcoming Features:

PXP token enables PointPay customers to earn higher Burning model for PXP token
yield on PointPay Bank Buy-back system for PXP token
PXP token enables traders to cut maker/taker fees on Lower swap fees for PXP token
PointPay Exchange holders on PointPay Crypto Wallet
PXP token holders get an access to premium video Native blockchain creation
tutorials from PointPay Crypto School

PXP token enables PointPay customers to reduce

transfer fees

Discounts for taking crypto loans for PXP token holders

Symbol: Total supply:

PXP (PointPay token) 1,000,000,000 tokens

 Page 8

Y MOBILE BANKING APPL

PointPay Mobile Crypto Banking Applications
Earn daily compound interest, make instant conversions, buy bitcoin with debit and credit cards, take instant loans
within one application created by PointPay.
 Page 9

TIVE OFFCHAIN TECHNOLO

PointPay Native Offchain Technology
Send instant payments to your friends and partners via wallet address or email within all products created by
PointPay

Launched

Implemented Features: Upcoming Features:

Instant transfers between all PointPay Instant at transfers within PointPay
products ecosystem
Competitive fees
Off-protocol con rmation of transactions
Discounts for internal transfers for PXP
token holders
fi

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 Page 10

PTO SCHOOL FOR THE WO PointPay Crypto School for the World
PointPay supports global crypto and blockchain education. We created a step-by-step video guide which helps to
start trading and making money in the crypto market for beginners

Implemented Features: Upcoming Features:

20+ video tutorials created
Three di culty levels: beginner, medium
and expert
Access to premium video tutorials for
PointPay (PXP) token holders
More free educational videos to be
created
Premium written educational materials
for PointPay (PXP) token holders
Translation to other world languages

ffi



 Page 11

DEVICE SUPPORT Device Support

pointpay.io

Crypto Bank Crypto exchange Crypto wallet Loan Module Payment System Token module

Completed Completed Completed Completed Completed Completed

Available on Completed Completed Completed Completed Completed Completed

smartphone

Available on Completed Completed Completed Completed Completed Completed

tablet

Completed Completed Completed Completed Completed Completed

Completed Completed Completed Completed Completed Completed

 Page 12

ADMAP AND FUTURE PLA Roadmap and future plans

2018

PointPay.io platform started・ Q2

Q3 ・Blockchain listener for transactions completed
・Common ecosystem infrastructure plan created
・Main site created
PointPay whitepaper, one-pager, pitch deck created・ Q4
PointPay is added to major rating agencies lists・
PointPay promotional video created・

2019

Authentication form created・ Q1

Community of supporters created・
Token sale form created・
Q2
・All social media accounts created
・Announcement in social media made
・PointPay Live Roadmap created

 Uni ed registration infrastructure completed・ Q3 Page 13

PointPay Crypto Exchange launched・
PointPay Crypto Wallet launched・
Q4
・PointPay Blockchain-based bank launched
・PointPay is elected the best blockchain start-up 2019 at Blockchain Life
・PointPay token (PXP) integrated into Bank, Exchange and Wallet

2019

PointPay Payment System with buy option launched・ Q1

Sell option added to PointPay Payment System・
Payment System connected to Bank, Exchange and Wallet・
Q2 ・MoonPay, Indacoin, Mercuryo with worldwide debit and credit card coverage
integrated into PointPay Payment System・PointPay is elected the best
blockchain start-up 2019 at Blockchain Life
・Home pages are added to all products
・PointPay Crypto School created

One-click instant transfers between all the products implemented・ Q3

Release of mobile banking applications for Android and iOS・
Markets overview integrated into PointPay Crypto Exchange・
Lower transaction fees on a progressive scale for PointPay (PXP) token・
holders within the whole ecosystem implemented
Filing for Small Payment Institution license・
PointPay complies with PCI DSS・
Discounts to PXP tokenholders for internal transfers within the ecosystem・
Q4 ・Launch of PointPay Crypto Loan module
・Adding sell function to PointPay Payment System
・Adding Exchange to mobile crypto banking applications
・Adding loan module to mobile crypto banking applications
fi





 ・SEPA payments accessible for PointPay customers
Page 14

2021

Wire transfers accessible for PointPay customers・ Q1

Launch of PointPay blog with news coverage・
Increasing of trading pairs on the Exchange・
SEO optimization of all products・

Q2 ・Filling for international banking licenses started

・Marginal trading implementation on PointPay Crypto Exchange started
・PointPay Debit Card pre-order accessible
・SWIFT payments integrated into PointPay platform

Attaching debit and credit cards in personal account implemented・ Q3

PointPay Debit Card is ready for distribution・
Marginal trading implementation on PointPay Crypto Exchange nished・

Q4 ・International banking licenses granted

・Aggressive promotion of PointPay on all the markets
・Full ecosystem completed

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 Page 15

LICENSES Licenses

Planned EMI licenses

EU EMI License Estonia EMI License Lithuania EMI License Singapore EMI License UK EMI License

Planned banking licenses

Kazakhstan Armenia Hong Kong EU

banking license banking license banking license banking license

PointPay is created for:

Everyone
Traders Business Investors
who uses banking services









 Page 16

CTED USER DEMAND GRO Expected User Demand Growth

Fiat payments

Launch of loan module

Launch of PointPay mobile banking

applications for Android & iOS

Launch of PointPay Blockchain-Based Bank

Launch of PointPay Payment System

Launch of PointPay Crypto Exchange

Launch of PointPay Crypto Wallet

Launch of PointPay Crypto School

for beginners

Uni ed registration for all

products
fi
 Page 17

MPLISHMENTS AND REW

Accomplishments and Rewards

TOP PROJECT TOP PROJECT TOP PROJECT TOP PROJECT

on ICO Bench on ICOholder on ICOmarks on ICOTOP RATE

by experts

 Page 18

CONTACTS Contacts

Token Sale Website Telegram Email

pointpay.io https://t.me/pointpay_talks info@pointpay.io

Partners and Mass Media

Last time updated: May 11, 2021