OTPPAY

Interesting idea, good luck to the team!

I like this idea, it is a real product service already work at the special region. The core team is dedicate and the advisory board is strong and experienced. I evaluate this is a low risk project. Just waiting another team member pass KYC.

Great Team, Vision and Product!!! Good luck guys!

High-quality vision of a promising product, a strong team. Good luck, guys

Good Team! This is one I will keep my eye on

..." will be the world’s largest platform..." Really? Pretty cocky claim.

I don't see the point of having a 'bridge' between crypto and fiat? Is that not what Bitcoin does?

Lending. What are your interest rates going to be? Will this be another payday loan project with short term lending to the poor in India with high rates? You don't tell us in the whitepaper. Merchants lending? Sounds like a disaster in the making.

19 million for the public and employees from the billion being allocated? That's less than two percent. While 200 million is reserved for tech and operational for OTPpay management?

You want to do buybacks and burn from a capped cryptocurrency to pump the price? While that's interesting in theory, you will eventually burn through the cryptocurrency mathematically. You don't show any math to prove your thesis that this will work.

In fact, there's no math or algorithms in the whitepaper at all. It's a very pretty deck with stunning graphics. But it's not a whitepaper.

VISA and Mastercard have put a clamp on all cryptocurrency debit cards, with the death of Wavecrest. Before pumping a debit card, you should make sure you can even offer one.

I don't see what the others who marked this up so high see in this project.

Too many words and not a word about what the product will be different from a huge number of similar ones.

Only the proposal to lend 2-5x amount of monthly sales to merchants attracts attention. But this is unlikely to be sufficient to compete effectively.

I see the benefit

Very exciting idea from a very strong team

Strong team and real product! looking forward to seeing how this progresses!

Great use case for the blockchain, and the CCR (Crypto Credit Rating) system will be a major component of the blockchain in the future.

Poor advisory board
Many things in WP and website are impossible to understand
Pook key value proposition

Very interesting project with a good team.

They make some really massive claims and it has me extremely doubtful about its future.

looking forward to see it ready and live, that's needed in our crypto world.

Good project, nice team

Product : There are several wallet services that provide crypto and fiat currencies exchange and payments before OTP Pay
Vision: There is no vision about how their wallet would penetrate the market.
Team: I checked the founder's LinkedIn profile and found no experience with Blockchain or Cryptography which is very important for a company offering a secure wallet/payment services
I rated the team as 2 previously. However, the founder clarified their experience with blockchain and hence the rating changed to 3

How is it different from the projects which are already available in the market with similar concept? Though the company claims to have exposure to technology but the MVP is still not available. Concept doesn't seem to be appealing and is just one more ICO in the market.