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Ratings PointPay

Blockchain-based Banking and Full Eco System

PointPay is creating a fundamentally new product that combines four 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. The payment tool will be the PXP utility token of the ERC-20 standard, created by PointPay based on the Ethereum platform as the most popular core for building blockchain systems. Firstly, this solution will combine the three above- mentioned services in one ecosystem, and, secondly, make the PXP token a valuable asset that will be in demand in the cryptocurrency market as well a full Payment System. A description of our products – the results of the joint creative work of professional programmers and all the other members of our team who work full time – is presented below. PointPay has business contacts with more than 50 banks and 25 payment systems.

4.6
33 32 expert ratings
Benchy 5.0
KYC
Experts
4.8
4.6
4.5
Review: coming soon PRO

Ended
2019-05-22 - 2019-07-21
614 days 13 hours left
2019-07-22 - 2021-07-22
Token
PXP
Type
PreICO Price
1 PXP = 0.05 USD
Price
1 PXP = 0.1 USD
Bonus
Available
MVP/Prototype
Platform
Accepting
BTC, ETH, XRP, BNB, LTC, XLM, USDT, BCH, TRX, EOS
Minimum investment
0.10 USD
Soft cap
1,000,000 USD
Hard cap
30,000,000 USD
Country
UK
Whitelist/KYC
KYC & Whitelist
Restricted areas
Cuba, Iran, Lebanon, Syria, Libya, Sudan, Somalia and North Korea, Yemen
Visit ICO website
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Ratings

All ratings published on ICObench serve informational purposes only. ICObench does not provide investment forecast, recommendations or any consulting for that matter. Thus, neither ICObench, nor the experts can be hold responsible for the visitors’ investment decisions. Read more
Juan Pablo Fernandez Aguero
CEO | ICO IEO Driver | Startup Advisor | Blockchain Consultant
Rated on Jul 29, 2019
Modified on Aug 8, 2019
5
4
4
5%

Team ★★★★★
Vision ★★★★
Product ★★★★

Large and strong team, experienced people on different areas that complement perfectly a good core team.
After some conversations with the founders, they have added a top advisor to their crew, so I update the score to 5 for the team.

Maybe they are not offering a totally new vision, but they have a really solid project here. They are actively working on their objectives and the ecosystem is open to innovations and improvements. They are very close to a perfect vision, so I invite them to offer a strong competitive advantage in order to get the full score.

But the most important thing to get their goals is a dedicated and active team and they have got it.

They need to launch a good MVP and it's interesting see how they are advancing on their roadmap. The exchange and the mobile wallet will be launched soon, and I'll give them the full socre when they release the working version.

+15Agree
+3
-12Disagree
Report
Igor Karavaev
Blockchain Enthusiast and Advisor
Rated on Aug 20, 2019
Modified on Sep 1, 2019
2
1
1
5%

I don’t believe in this project success. It arguably could be praised if started 2-3 years ago. Not now when we have Revolut, Binance and many others. See their WP’s page 9, all the previous attempts were unsuccessful. And I would call that competitor analysis outdated and not explained. And what is even more important Libra, Telegram, Rakuten and others are coming. Scale is important. I dislike the tokenomics, it is very primitive and outdated either as to their token distribution and circulation description or huge gap between soft and hard caps. Why ICO and not IEO or venture financing? Github looks abandoned so I cannot accept the MVP presence. For current market having the “MVP” like that is not enough for successful fundraising. I see mainly the local russian project’s team and I don’t see value coming from advisors or good consultants. Legal issues not covered - page 29 of the WP is just a general declaration and I don’t see they paid enough attention to this crucial point.
_________
UPDATE
I received unprofessional feedback from the team stating by the way that they have DIFFERENT whitepaper with DIFFERENT tokenomics shown to “private investors”. I believe it is extremely bad practice as this misleads crowd investors. The tokenomics should be just the same! Also I don’t see they really understand the competitors business.

So I believe the team should comment just here and the issues are:
1) bad tokenomics and different numbers presented to different investors. How can it happen?
2) the product and their github. You must show something viable and not just a mock-up
3) real competitors analysis. You should demonstrate you deeply understand your competitors environment.
4) legal issues. How are they tackled? Not just a license but how you can implement the product and the service you promise in your WP in terms of the laws
————
UPDATE2 (responding to another team’s feedback here)
The marketing lady from the team called my project’s review “biased”. Most likely she does not know the translation of this word - “unfairly preferring one project over another”. But if the project’s team means that I prefer Binance ecosystem or potentially Facebook’s Libra or Telegram’s Ton over their project than I think almost ALL people in the world are “biased”).

Maybe some other reviews here are “biased” or it is really hard to explain why some experts rate 555 the project with:
- local unexperienced team dreaming to compete with global advanced ecosystems like Binance or potentially Facebook or Telegram projects
- missing product and almost empty Github
- primitive old-style tokenomics unattractive to contributors
- poor marketing and fundraising strategy
- little knowledge of competitors environment (missing part even in the whitepaper)
- ignorance of crypto influencers and rude behavior to experts
- untackled important legal issues and so on.

+1Agree
-7
-8Disagree
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Alina IbragimovaICO team member replied on 1 Sep 2019
We take all matters really serious and stay by our strong brand and products.

PointPay is a UK-regulated company that has been operating since June 25th, 2018.

We are developing all-in-one cryptocurrency ecosystem that has never been implemented by anyone yet incuding Libra and Telegram. PointPay is nominated for one of the best start-ups of the year 2019 by organizers of Blockchain Life. It is the world's famous blockchain conference participated by such known people as Roger Ver and Tone Vays.

Feedback from the community is the most valuable part that helps our products to become better. To keep yourself updated with the current company's progress, please, track the PointPay Live Roadmap on the official website.

We have just started our fundraising campaign and have to deal with poor market capitalization. Nevertheless, we are still having the Release 1 for PointPay Exchange and PointPay Wallet scheduled for September 30th, 2019.

Market and competitors. Binance and Revolut are market leaders, but it doesn't mean that we are going to give up and not take part in this rally. We will! If Apple had not have started to compete with Nokia, they would never become the market leader. Competitor analysis still makes sense. We took into consideration just those projects which aimed to develop the whole ecosystem of products, not just exchange, wallet, own coin/token or banking products separately.

Legal part. All the licences permitting us to work in chosen jurisdictions are mentioned in the WhitePaper. Kindly take a look at them attentively. We also have already established direct contacts with companies providing crypto and fiat liquidity as well as sub-licenses providing by them, covering the legal part of your review.

Tokenomics. We have an extended version of tokenomics papers with more details and deeper explanations. The digits in the document DO NOT contradict the digits in the WhitePaper.

Funds. The gap between softcap and hardcap is huge. The digits were calculated based on PointPay's monthly burn rate. If the softcap is raised, we will release the smaller versions of all the products. If the hardcap is raised, we will release extended versions of them. The gap is also explained by the costs of banking and EMI licenses that we are going to obtain. Then it becomes crystal clear why we have such calculations.

PointPay existing products. The products are minimum and viable versions showing that the team has enough experience to deliver roadmap execution. You can deposit some crypto, go in for trading, and withdraw your funds. We have demonstrated this, and now working hard on public robust versions of each of the products. You will be able to test them yourself soon.

GitHub. PointPay developers use Atlassian Jira for the development process where only authorized users are allowed for security purposes. Our Github directory is for code references only and may not be used as a reference point for project progress by any means. Not all PointPay users are tech savvy, so we chose to utilize our Live Roadmap for keeping PointPay token holders in the loop for the development progress. You can find it by clicking https://pointpay.io/live-roadmap As you can see, there is quite a lot happening there. Hope this clears out your concern.
Advisors. We have signed the contracts with Naveen Kapoor, who is #3 in the world by the ICOBench version; #4 - Hamza Khan, #25 - Quentin Herbrecht who is the best advisor in France; Elias Tan, who is a representative of the NEO platform in Singapore. We are currently negotiating with #1and #2.

We would like also to mention that we have a few Americans, Filipinos, Koreans, Saudis, Chinese, Canadians in the team. Some of them are not listed on the PointPay website due to high costs.

GitHub is updated and current.

Thank you very much! Hope to see you among our customers soon!

Best regards,

PointPay Team.
Miruna-Maura Barbulescu
Entrepreneur, Author, Journalist, Trainer, Influencer, Crypto Expert, Twitch Streamer and Marketing Specialist.
Rated on Jul 31, 2019
Modified on Jul 31, 2019
5
5
5
4%

Their well prepared team gas managed to put together a working mvp. The fact that they managed to increase their numbers from 5 to 32 members in one year indicates that they are on the right path.

The don't have the most original idea, however, in the end, their vision and mindset will make a difference.

They will create an entire ecosystem with 3 products, which is is a good idea as they will provide all the adiacent services that one user will need. I will follow the evolution of this project in the future. Good luck!

+10Agree
+5
-5Disagree
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Daryl Naidoo
Founder-Promethean Dynamics |Certified Blockchain Solutions Architect|Blockchain Advisory Council |Alliance of Blockchain Professionals |
Rated on Jul 31, 2019
Modified on Nov 4, 2019
5
5
5
4%

Good to see they have passed their KYC. The multi-tiered service offering is interesting and also interesting to see that have an existing relationship with banks and payment systems.

MVP in place and diverse team from around the globe

+8Agree
+6
-2Disagree
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Krutesh Shah
Enterprenuer | CEO | ICO Advisor |Investor | Blockchain Enthusiastic | Public Speaker
Rated on Aug 3, 2019
5
5
5
4%

Point pay combining Crypto Bank, Exchange and Wallet is really good idea but it is very difficult to achieve but Team looks very professional and they have specialist in all department. Token economics is good and whitepaper is detailed. They have already connection with the banks and payments system which is bonus. MVP is available. Best of luck team.

+4Agree
+2
-2Disagree
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Nozomu Nakazato
Blockchain consultant
Rated on Aug 2, 2019
Modified on Aug 2, 2019
4
5
4
4%

It's not a new idea, but the financial plan and ROI design are well designed. Public opinion wants a more consistent operation than weird ideas.
Partnerships with VISA, Master, etc. are still unclear, but they will accelerate if this agreement is concluded. Licensing as an all-in-one solution from Crypto and FIAT will also accelerate them.
It is in the process of consideration now. But they should be the first company if they do this with their own consistency.
If you are thinking of advancing Japan to the market, I would like to correct Japanese.

+7Agree
+6
-1Disagree
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Paresh Masani
Executive Director | Project Lead | Developer | Influencer | Advisor | Blockchain Lover | Influencer | Strategy and Vision Execution
Rated on Aug 3, 2019
5
4
5
4%

Liked the team; some of them are solid developers and chiefs have domain expertises.
Whitepaper is nicely laid-out and contains detailed concept information - technical whitepaper is great as well. Nice way to separate business and technical info.
MVP link here is broken - please correct it. I have seen it on poitpay.eu - looks good.
There are already many exchanges so it will not be easy to survive but genuine exchanges with great ideas and team still have lots of chance to shine in no-time.
Good luck Team.

+4Agree
+3
-1Disagree
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Sergey Sevantsyan
International Public Keynote Speaker, Blockchainer, Adviser, ICO Supervisor, Investment Relations and International Community Relations Manager
Rated on Aug 3, 2019
Modified on Aug 4, 2019
5
5
5
4%

PointPay is a turning point at banking system to the new digital level. It's fundamentally new product with 3 major services: Crypto Bank, Crypto Exchange and Crypto Wallet. This fully looped ecosystem opens new era of blockchain-based banking ecosystem at all. Very hard work has already done: negotiations with 50 banks and payment systems, huge amount of lawyers and license agencies, signed contracts and agreed crowdfunding campaign. To be frank, idea is not new or unique, but project achieved perfect results: team has enhanced from 5 to 30 people, already launched beta versions for 4 products, vast amount of community among various multilingual chats... moreover we clear see that team management operates in right and very productive way.
To cut long story short...
Welcome to the future!

+4Agree
+3
-1Disagree
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Krishnendu Chatterjee Ph.D.
Blockchain | Tokenization Strategist| Whitepaper|Tokenomics | BD| Fundraising
Rated on Oct 19, 2019
Modified on Oct 19, 2019
5
5
4
4%

→ Blockchain Advantage - ✅❤️
→ White Paper - ✅❤️
→ Team Composition - ✅
→ Token Economics - ✅
→ Business Model - ⛔️
→ Social Media Presence - ✅
→ Collaborations & partnerships - ⛔️
→ Fund Allocation - ✅
→ Legal Loopholes - ✅❤️
→ MVP/ DApp/ Working Product  - ✅

Advantage -
Blockchain and Crypto are at the heart of business model and an integral part of it.
Clear and concise WP- one of the most comprehensive and yet easy to read WP, I have seen in recent past
Diverse and experienced team with multiple Advisors onboard with Blockchain and Non-Blockchain Related..
They have given a good thought behind the implementation process which reflects in obtaining all the necessary licences before beginning of operations. The roadmap too is quite clear.
Working Exchange is available, which is more than what other projects have.

Disadvantage -
They want to bring currency exchange rates upto 2%, whereas some OTC and exchanges have it at the rate of 1-1.5%. No competitive advantage in that regard.
350 Tx/sec is a bit on the lower side for an exchange; atleast a few thousand is the bare minimum.
The financial planning especially consulting and brokerage has been estimated to grow at 150X+ or more. Although, spending on customer acquisition has been adjusted accordingly but the numbers just don’t seem to add up. They should include some basis behind their calculation based on per capita profit from their users.
Collaboration & partnership section is grossly lacking especially KYC+AML or Legal Partner.

Suggestion -
If possible include the region of focus for customer acquisition and also breakdown the per capita profit from each customer for easier understanding of the viability and growth stats.

Comment from Team - "As for the KYC/AML - it will be provided by a third party partner when the customers work with fiat funds. We have reached the agreement with such partner(-s) already. It's more about legal but our legal counsel has done great job on it."

You can find my ratings methodology here- https://medium.com/@krishnenduchatterjee/ico-evaluation-investing-a-vc-perspective-for-investment-over-greedy-short-term-returns-433f6f9e13d8

+2Agree
+2
Disagree
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Kyon Yoshihara
Direct Marketing Manager,ICO produce
Rated on Aug 2, 2019
5
5
4
3%

I think this project is based on the functions that were not sufficient for the payment platform, such as payment by points, conversion, and storage.
They have resources that have not been available for similar projects that have been in place.
I wish them success.

+5Agree
+4
-1Disagree
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Andrei Popescu
Co-Founder of COSS.IO & SCX Holdings and Seasoned Blockchain/FinTech Start-Ups Investor/Advisor
Rated on Aug 22, 2019
5
5
5
3%

The idea of this project is not new, as a one stop solution, aimed at the massive adoption of crypto assets; wrapped within a project being fueled by it's own token.
None of the previous project succeeded, as it was just a combination of time, regulatory framework, adoption patterns and usability.
Not sure if this is also the right time, as there are a lot of moving parts within the current ecosystem.
Starting and focusing on the payment tool and wallet security could seem the right track.
Wish them best of luck!

+3Agree
+2
-1Disagree
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Yuichiro Okazoe
Yuichiro Okazoe
Rated on Aug 2, 2019
5
5
4
3%

>PointPay has business contacts with more than 50 banks and 25 payment systems, as well as 20 lawyers who deal with issues of licensing cryptobbusiness.

I think it's really great to be able to do this.
It is very difficult to build these connections.
It requires a lot of effort.
The team that can do this is really good.

We also have a foundation for the product, so I think there is a high possibility that the plan will be realized.

+5Agree
+4
-1Disagree
Report
Arturas Svirskis
Listing tokens to 50+ exchangers, Market Making services, ICO and STO advisory
Rated on Aug 21, 2019
5
5
5
3%

Team: Despite the fact that the team is mostly from CIS countries,they are quite experienced in payments industry; therefore, they know how to launch PSPs, Cards, etc... The same practices have to be implemented for crypto space.

Vision: VIsion is not new by any meaning. There were and there are many attempts to create something similar, but there are no significant leader which would have already the fully working infrastructure.
Though, I have some doubts about the roadmap e.g. Crypto banking can be created much faster (not in 2 years)

Product: It is tested on main-net at the moment. Now I give good grade, but I will adjust it, in case I will see some problems

+4Agree
+3
-1Disagree
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Florian Rézeau
COO | ICO Advisor
Rated on Aug 6, 2019
Modified on Nov 3, 2019
5
5
5
3%

The team looks very strong, very good background, many software developer, which I consider to be an essential point, which many other ICOs do not have. Too many ICOs today have many managers but few real "manufacturers".
The vision is really good I like the idea, Blockchain is really useful for this service.
The product is now very clear, the project is progressing very fast. Good news.

+4Agree
+3
-1Disagree
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Doli Rani (Dolly Deval)
Ico advisor || Marketing advisor || PR specialist || Ico Expert
Rated on Aug 5, 2019
5
5
5
3%

Point pay is a bringing Crypto Bank, Exchange and Wallet together on a single platform so i found that idea is very impressive Team looks very experience and expert in their area
KYC IS AVAILABLE
MVP IS AVAILABLE
Good luck team

+4Agree
+3
-1Disagree
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Cristian Tuns
Entrepreneur, Author and Trainer
Rated on Jul 31, 2019
5
5
5
3%

Even though PointPay does not have a new idea and we can see many other similar projects out there, we cannot deny their potential. They have provided an already working MVP, which I have tested and it looks really good. Their ecosystem will provide working products that on the long term are sustainable. Their token is an utility token that will power the entire ecosystem and this is another sustainable sign. Their CEO has a lot of experience in the crypto field and has the abilities needed for this project to succeed and he also passed the KYC.

+8Agree
+7
-1Disagree
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Liliana-Delia Trocan
Journalist, PR, Business Woman and Crypto Enthusiast
Rated on Aug 1, 2019
Modified on Aug 13, 2019
5
5
5
3%

I've seen many individual projects that provided one or two products, either an exchange and a wallet, or a wallet and a crypto bank, but it is rare to see all three of them in the same place. Their MVP is looking good and I am impressed that they have managed to put together a working demo at such an early stage. Their team have passed the KYC which for me is another good sign. Their soft cap is realistic for building these three products and providing a proper marketing for them and they are only distributing 50% of their utility tokens, which means they are having future plans with this project. Until now, from what information they have provided, I can say that I have seen positive signs for the healthy evolution of this project.

+6Agree
+5
-1Disagree
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Artur Holzwert
IEO STO and ICO Advisor
Rated on Oct 9, 2019
5
5
5
3%

KYC - passed
Team - very good
Advisors - amazing
WP - well structured, easily understandable
MVP - professional

This seems to be an ongoing project, working since 2018, incorporated in the UK.

The team is building a closed-loop cryptocurrency ecosystem and has released their first wallet already.

Compared to other projects, they seem to have some big shots in their team. Quite impressive.

I cannot find a single thing wrong with this project.

Full stars!

+2Agree
+2
Disagree
Report
Bryan Blaevoet
Director of Marketing - ICO Advisor
Rated on Aug 12, 2019
Modified on Nov 4, 2019
5
5
5
2%

Although the industry is competitive, the team seems passionate and works hard on their project and product development. We can note a lot of relevant competitive advantages that would greatly improve this sector of activity.
MVP developed and functional. This project greatly attracts my curiosity.

+4Agree
+3
-1Disagree
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Abishek Mittal
ICO Advisor | ICO Consulting | Project Review |MBA Finance and Strategy |9+ Years of Corporate Experience | Crypto Trading and Investing
Rated on Oct 27, 2019
4
4
4
2%

- Team is strong, wherein all the members look seem competent and capable of building and taking the project in the right direction.

- Vision : Differentiation is the key here. How are you going to be different from the crowd of already available exchanges available in the market? There are several competitors but there is room for more than one project of this kind.


- Product : Well written whitepaper and solid team behind it that can make it happen but absence of MVP raises doubt amongst the investor community. And especially when there is so much gloomy environment, an active product in place can be a real win-win.

+1Agree
+1
Disagree
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nicolas nups
Program Manager and ICO Advisor
Rated on Jul 30, 2019
Modified on Sep 8, 2019
5
3
4
2%

Dear ICOBench community,


Please note that before reviewing this project & ICO/IEO, I conducted my own DD : team background, competitors, project history, various analysis and KPIs, growth potential and a lot more factors.


Here are the results of this analysis :

- Team : The team is really strong, all the members look professional and the advisors seem competent and capable of pointing the project in the right direction. They are all linked to the project on Linkedin which is reassuring for investors.

This is definitely worth a 5/5 for the team.

- Vision : There are already a lot of exchanges and multi currency wallets but none is combined with a crypto bank yet. There is a real need for a fully functional and safe crypto bank in the industry and the vision to combine it with an exchange is definitely a solid idea. There are several competitors but there is room for more than one project of this kind.

For these reasons, I give a 3/5 for the vision.

- Product : Realistic softcap, well written & clear whitepaper and solid team behind it to make it happen. No MVP yet but this is not surprising for such complicated project, which requires hundreds of hours of development to ensure the products are safe and user friendly.

Therefore, I give a 4/5 for the product.


I invite investors to conduct their own DD before investing time / money on any project.

+13Agree
+9
-4Disagree
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Yogesh Trivedi
Blockchain Technology, eCommerce, Agile Software Development Consultant
Rated on Aug 14, 2019
Modified on Aug 20, 2019
4
4
4
2%

Team is looking good.

Overall nice managed project . Pointpay Crypto exchange is ready. Cryptobank product draft version is ready, still to get it on MVP, hope to see soon. CEO Andrey seems to be serious for this project as I had words with him while reviewing this project again on bench.

+4Agree
+1
-3Disagree
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Vladan Podjanin
Co-Founder at CryptoAngel | Blockchain and Cryptocurrency enthusiast
Rated on Aug 16, 2019
Modified on Aug 16, 2019
5
5
5
2%

I like the vision and certainly a great use case in with the current crypto state.

Team is strong and have extensive experience when entering in the transaction

Look forward to see the progress. Good luck team.

+4Agree
+3
-1Disagree
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Sayali Joshi
BLOCKCHAIN EXPERT, ICO and STO Marketing and fundraising consultant
Rated on Aug 12, 2019
5
5
5
2%

Crypto exchange with crypto bank and multi currency wallet , 3 services on one platform thats definitely one stop solution by point pay team.

MVP, good team and well drafted plan clearly shows project future and dedication, will be following this.

+6Agree
+5
-1Disagree
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Vladimir DENIS
Blockchain Advisor | Trader | Freelance Writer | Fundamental and Technical Analyst
Rated on Aug 19, 2019
Modified on Aug 19, 2019
5
5
5
2%

- A very diverse international team.
- Realistic financial figures, a company that does not expect to earn money in the first year because it is aware that this will be done a long term perspective.
- A significant part of the funds allocated to development, which is essential.
- A minimum of low investment which allows the beginner to familiarize himself with the concept.

Looking forward for your product!

+4Agree
+3
-1Disagree
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Simon Henman
CEO and Co-Founder of Bitzon
Rated on Oct 31, 2019
Modified on Oct 31, 2019
5
5
5
2%

The concept of PointPay is very interesting.
Building an eco-system from all sides of the financial sector.

They have a strong team of over 30 people behind them including 10 developers working for them.
The tokenomics are good, 500m tokens @0.10$.

The Wallet is not something new, but can be important to build an eco-system and storing user assets. (Seem to be live)
Their wallet accepts fiat deposits & withdrawals.

The exchange is also not a new product, but again an important product to offer to their eco-system. Users already using their products can benefit from the discounts, margin trading.
Something that can create a lot of value for PointPay is the tokenization of stocks, bonds ect.
This technology is still new and being one of the first companies to successfully release a working platform could benefit.

The bank industry is a hard market to compete with. But releasing successful products with fiat to crypto-crypto to fiat could create a great business model.
Another strong point is the release of credit/debit cards with crypto functionalities.
Something I see the future using, not necessarily using crypto as a currency but as a bridge between transfers.

Their online payment system would complement their eco-system as a whole. Merchants could connect easily for day-to-day transactions.

Conclusion:
I believe this project can do great things if the people behind it make the correct decisions.
Good marketing and a good sales team can bring this project to new heights.

+1Agree
+1
Disagree
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Anshul Dhir
Founder and CEO, Exuberant Financial Services| Qadcore
Rated on Aug 14, 2019
5
4
4
2%

PointPay offers nothing very extraordinary but something which is of utmost necessity. Whitepaper is comprehensive and covers almost all aspects of business. KYC is done already. Team is adequately equipped with knowledge and experience to achieve the goals as per vision. Roadmap thoughts too long and surely can be curtailed. But licensing is hard nut to crack so it does takes time. I am sure team has factored same into roadmap.

Crypto banking is long road ahead provided the current regulatory scenario and international organisation's status quo. FATF and SEC needs to be tackled in compliance which is tough task ahead. I see a grim line of differentiation of your token being recognised as security or utility token. Would like to know and discuss more about same with a team member. Please contact. Also, I am unable to access MVP. would like to know more about it.

All the best. Looking forward for great execution.

+4Agree
+3
-1Disagree
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Jayesh Trivedi
Crypto Exchanger
Rated on Aug 13, 2019
5
5
5
2%

I have personally done some research for the team. I must say this is one of the strongest team I have seen with this level of the project.

Though the idea is not unique, I still believe that with the experience they will be able to beat the market and be the leading one in the domain.

Good Luck Team PointPay!

+6Agree
+5
-1Disagree
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Giovanni Silvestri
Software engineer with passion for finance and the virtual currency industry
Rated on Aug 23, 2019
Modified on Aug 23, 2019
5
5
5
2%

PointPay is starting the development of all-in-one cryptocurrency ecosystem, which will provide the ultimate convenience for our customers in accessing all cryptocurrency-related services within one platform. We plan to launch an extended version of PointPay Multi-currency Wallet, extended version of PointPay Crypto Exchange platform and a fully licensed PointPay Crypto Bank. Several companies announced their plans to implement similar vision, but none of them were able to fully execute on it so far

Team
Working in the finance industry form more than five years with technical figures to deliver the product planned.

Product
Product is still at MVP phase, however the team understands correctly the needs, view, development of a platform in the finance industry: a 5 is given in the product scope to reflect the trust I have in the PointPay team to deliver the product designed. I hope my trust will display itself to be well founded in the future of this project.

Business Strategy
Good view of the necessities of the finance industry and long-term business strategies planned.

Resilience
Good choice of advisors working from long time in the finance industry.


Disclaimer: this review is not a financial advice nor an invite to invest in this project: readers are always invited to make their own analysis before investing time/money in any virtual currency project. Cryptocurrencies are an high risk investment, always perform your due diligence.

+4Agree
+3
-1Disagree
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Jeff Hood
Co founder Block Squared Capital
Rated on Jul 31, 2019
5
5
5
2%

The idea is not new. But in our market today it’s not just about ideas it is about execution. Great team with great potential. It’s my belief that based on my research of the team the project and current market conditions that this has real potential. For me the key will be their ability to maintain commitment to their timelines and milestones.

+9Agree
+8
-1Disagree
Report
Ajit Kumar Jain
ICO and STO Legal and financial Advisor
Rated on Aug 14, 2019
5
5
5
1%

PointPay is going to change the way crypto are traded and exchanged. It 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. This model will bring overall efficiency in crypto trading and exchange and provide an overall edge to the customers across the world.

+5Agree
+4
-1Disagree
Report
Elias Tan 陈剑生
Elias Tan
Rated on Aug 1, 2019
5
5
5
1%

Pointpay is an up and coming One Stop & Seamless Crypto-exchange/wallet/digital-currency bank with a ready MVP prototype.

The full suite of services the platform with its strong network with the banking institutions will provide will serve to alleviate the sore lack of Fiat-to-Crypto liquidity that exists in the current cryptocurency ecosystem.

They have a strong, large, diversified and competent team from Full Stack Developers to which greatly contributes to the potential of the project's growth and ability to scale beyond what most exchanges have been able to accomplish.
The team's increasing expansion also shows a strong commitment to the product at hand.

+7Agree
+6
-1Disagree
Report
Benchy
ICO analyzer bot
5.0
10%

Experts are independently and voluntarily contributing to the community. If no expert has rated the ICO, only ICO analyzer's results are used. Always research before investing as these ratings should not be taken as an investing guide of any kind.

Ratings and ICO analyzer results are being updated (re-calculated) every few hours.

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2 members invited
Andrey Svyatov
Passed
Ivan Levitsky
Passed
KYC procedure verifies selected/specific team members only. It does not guarantee ICO success nor is a call for investment.
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