Reaching out to anyone, anywhere, anytime
Save more on transaction costs
No more fraud and identity theft
Direct Bank Deposits
EPAY Wallet enables users to spend their Ethereum through their smartphone or a physical debit card at over 42 million online and offline merchants. The EPAY App – Android, WebApp and iOS versions, will be available for download in the 4th quarter of 2018.
EPAY’s user-friendly multi-sig wallet empowers our users with a global accessible reach while on the go. Equipped with BitGo highly secured protocol, EPAY’s mobile wallet offer advanced security features such as spending limits and multi-user access.
EPAY allows you to spend dollars anywhere debit cards are accepted, or withdraw cash from any compatible ATM. EPAY Wallet is a helpful component because it solves the handling of private and public keys. Instead of managing a long and complicated blockchain public key, it may be preferable for users to simply maintain a password-based system that is easier to use. Increasingly, mobile devices can be secured by fingerprint or face cognition features.
EPAY Wallet will have the following features:
- Buying of Ethereum (ETH) using cash or debit/credit card
- Selling of Ethereum for cash
- Topping up of fiat currency in a digital wallet
- Withdraw fiat currency using your Ethereum balance through any compatible ATM
- Airdrop of EPAY tokens
- Purchase goods and services
- Receive payments in Ethereum and send funds in fiat currency direct to user’s bank account
Load dollars using any Ethereum wallet and spend anywhere, anytime
The functionality of EPAY Card makes it a must-have item for every Ethereum holder and anyone who spends money in foreign currency.
The EPAY Card will allow the easy onboarding of the next wave of cryptocurrency users, who can get accustomed to using cryptocurrencies. EPAY also envisage several channels through which the EPAY Card can potentially be a regular feature.
Features of the Card include:
- It allows you to spend dollars anywhere debit cards are accepted, or withdraw cash from any compatible ATM.
- Only the exact amount of Ethereum will be deducted from your EPAY wallet whenever you make a purchase using your EPAY Card, with the rest being securely stored in your EPAY wallet.
Certain payment methods force customers and businesses to shoulder the risks and costs of payment fraud. With EPAY Card, customers can pay without handing over sensitive personal information and refunds are made through the merchant.
How it works?
Making it easy for merchants to do business at a lower cost
Point of Sale solutions have grown from simple cash register-like machines to complex computerized networks that can provide a whole range of services.
EPAY POS is a blockchain-based POS network and device solution that would take advantage of this growing segment, in which existing networks like PayPal, Visa, MasterCard, AliPay and others already operate and process transactions to the tune of trillions of dollars each year.
EPAY intends to undercut existing merchant and POS solutions by reducing the fees and confirmation times involved in transactions. For merchants, it will mean less paperwork, cost savings, more digital exchange of information and smoother transactions across borders and across multiple parties.
Using data to better understand our clients and merchants
EPAY uses data analysis to inspect, cleanse, transform and model data with the goal of discovering useful information, suggesting conclusions, and supporting decision-making.
EPAY Data can be divided in two main components – Exploratory Data and Confirmatory Data.
- Exploratory data focuses on discovering new features in the data.
- Confirmatory data focuses on confirming or falsifying the data.
With the consolidation of raw data from users and merchants, EPAY will be able to have data to derive models and algorithms:
- Understand users better for targeted marketing
- Detect payment frauds
- Prevent anti-money laundering
- Merchant analytics for loyalty programs
- Cross-sell and up-sell and improve new payment and banking products and services
- Delivering the best possible highly personalized payment experience
Peer-to-Peer loans secured by cryptoassets
EPAYLoan is a service that provides the ability to conduct cross-border peer-to-peer loans by harnessing blockchain technology and one of its strongest features, smart contracts.
EPAYLoan connects borrowers, both individuals and organizations, with investors. Unlikely banks, EPAYLoan does not loan funds. EPAY mediates between borrowers and lenders, facilitate the process and collateralizes the crypto assets for the lender.
Reduced bureaucracy, no overhead costs and shorter decision cycles mean that loans can be approved and issued much faster, with repayment interest rates typically lower than what banks or financial institutions can offer.
EPAYLoan strives to democratize the process-heavy lending process by removing power and control held by traditional banks and large financial institutions. Unlike other blockchain lending marketplace, EPAYLoan allows a borrower and lender to decide the loan details without the need of a middleman. Essentially, this means that a lender and borrower anywhere in the world can create a loan contract on their own agreed terms.