The early investment process

The PointPay Launchboard allows early-adopter investors to invest in promising cryptocurrency projects. PointPay's goal is to support the crypto economy by giving our customers priority access to emerging quality projects.

The following characteristics define a coin:

1. Coin operates on its own blockchain. Blockchains record every transaction that involves that particular crypto coin.
2. Coin acts as money. Bitcoin, for instance, was created to replace traditional money.
3. Coins can be mined. For example, Bitcoin works on the Proof of Work consensus algorithm to validate transactions and mine new tokens.

Tokens do not have their own blockchain. They operate on the blockchain of other cryptocurrencies, such as Ethereum. Some of the most notable tokens on Ethereum are BAT, BNT, Tether, etc. While crypto coin transactions are conducted on the blockchain, the tokens rely on smart contracts. Smart contracts facilitate trades or payments between users, depending on which blockchain the user is using. Each blockchain uses its own smart contract. For example, Ethereum uses ERC-20, and Binance Smart Chain uses BEP-20.

Our team performs due diligence before publishing a project on the PointPay Launchboard to ensure that our users are not victims of fraud. Click on the link to find the position with the key indicators.

A soft cap is the minimum amount of capital a company is willing to raise. The maximum amount of capital a project seeks in exchange for its tokens in the early funding stages is called a hard cap.When it is said that a project has reached its hard cap, it means that the tokens for that round have sold out, and the team will not accept any further funding. The hard cap is essential for two reasons. First, the scarcity of a project's tokens makes the project valuable. In addition, an appropriate hard cap protects the integrity and value of the underlying project by preventing large dumps of tokens onto exchanges. Second, a hard cap is closely linked to the roadmap of an underlying project. What other indicators can I see for the project I need? Each project must indicate

• Total Token Supply The total supply means the number of coins or tokens that currently exist. They are either in circulation or blocked. This is the sum of coins already mined minus destroyed coins (if any).
• Tokens Offered The number of tokens that users can purchase under the current ICO
• Project Valuation This is an investment appraisal of the project. In other words, this is the amount of funds raised, according to which a decision is made to expand, wait or stop the project.
• Participants The number of people who have already become owners of the token within the current ICO on our platform. This is not the number of purchases, since each participant can buy a token more than 1 time.
• Accumulated Sum Every day we summarize the investments in the project and understand how successful this day was. The graph shows the dynamics of these partial sums. The graph clearly shows how quickly investments in the project can grow.
• Accumulated % today This is an indicator by which you can evaluate the dynamics of investment growth over the past day.

You can deposit any supported asset into your PointPay wallet to fund your account. Once your funds are in your PointPay wallet, you can immediately purchase the token you want on the PointPay Launchboard. You can buy tokens with any cryptocurrency supported by the PointPay platform.

If your wallet balance is insufficient, you can either buy digital assets with fiat or cryptocurrencies through one of the payment providers or transfer money from another wallet.

• Log in to your PointPay account
• Visit https://payments.pointpay.io/
• Choose the cryptocurrency you want to buy and type the amount. Click “Continue.”
• Choose the account you want to deposit and the payment method. Click “Continue.”
• Choose one of the payment providers. If your wallet balance is insufficient, you can either buy digital assets with fiat or cryptocurrencies through one of the payment providers or transfer money from another wallet.
• Click on “Go to partner page.” Follow the instructions on the partner site to proceed with your purchase.
• After you complete your purchase, go to https://wallet.pointpay.io/my-portfolio to check your account balance.

• Log in to your PointPay account
• Visit https://wallet.pointpay.io/receive
• Choose the cryptocurrency you would like to deposit. Copy your public wallet address or scan the QR code to send the funds. Ensure that you have checked the network type.
• Initiate the transfer.
• After you complete your transfer, go to https://wallet.pointpay.io/my-portfolio to check your account balance.

• Choose the project View the list of all active token sales and select the project you want to participate in. Once you click on "Read more," you will be redirected to the project page. There you can learn more about the project, the team, and the fund's goals.
• Prepare your wallet You should either buy crypto or transfer it to your wallet before making any purchase. You need to consider the volatility of the particular cryptocurrency. You might consider funding your wallet with stablecoin if you want to predict the exact amount of tokens that you would be able to buy.
• Participate in sale Define the investment amount and the cryptocurrency you would like to invest in. Click the “ Buy tokens” button and confirm your purchase. That’s it! Your tokens will be distributed to your wallet on the PointPay platform once they will be released.

You invest in the project, so you provide funds for its development. Your investment at an early stage assumes (but is not a guarantee) that it will be profitable in the future.

After the token is launched, you can hold it, transfer it, sell it or make any kind of transaction possible. Although the value of a cryptocurrency often grows after it hits the market, this growth depends on the demand for a particular asset. We encourage you to do your own research before investing in an asset.

Each project team distributes tokens based on their own tokenomics model, project roadmap, etc. The project team may allocate tokens for various purposes, such as incentivizing team members, rewarding contributors to the project, maintaining liquidity on decentralized exchanges (DEXes), etc. In some cases, a portion of the tokens may be distributed among community members or sold in future sales rounds.

The maximum dollar value of each purchase has been capped at $500 to encourage participation and welcome new community members. It also prevents the accumulation of a large number of tokens in the hands of several investors, which will eliminate price manipulation in the future.

Project valuation is based on market capitalization. Similar to the stock market, the market cap refers to the total dollar market value of the tokens in circulation for a given project. It is calculated by multiplying the total number of project tokens in circulation by the current market price of one token.

Operations with the token are not available until the token is launched. The team takes this time to bring the token to the exchange and provide it for trading. You can buy tokens if you like a particular project and you are waiting for high results. Other operations with tokens before the release are limited.

PointPay implemented the Know Your Customer (KYC) procedure on the platform. This standard due diligence process helps prevent identity theft, money laundering, financial fraud, and other financial crimes.

We have developed a three-tier identification policy. Each tier of identification provides a different level of access to financial instruments on the PointPay platform. You may be restricted from certain activities on the PointPay platform until you have completed full identification. For instance, KYC-0 users will not be able to make deposits and withdrawals and use other products on the PointPay network, such as staking and crypto loans.

Anti-money laundering (AML) acts as a system of measures and rules that help prevent the use of money for various types of financial crimes, such as bribery and corruption, tax evasion, etc. Nowadays, global regulators are trying to curb the use of cryptocurrencies for illegal activities by implementing anti-money laundering laws.

A financial institution must adhere to AML policies that are compliant with its domestic AML regulations. These policies typically include KYC procedures, risk-based AML measures, ongoing risk assessment and monitoring, training for company employees, internal audits, and controls

Yes. Provided that your total investment in the Launchboard project does not exceed 1000 USD, otherwise KYC/AML verification is required.

The PointPay community is committed to complying with all relevant regulatory guidelines. Therefore, we will not be able to offer tokens for sale to potential participants from unsupported countries during the token launch. Sanctioned countries currently include the Balkans, Belarus, Burma, Côte d'Ivoire, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, North Korea, Sudan, Syria, and Zimbabwe.

Before investing in a virtual asset, you should consider the following risks, among others:

• Virtual currencies do not have legal tender status in any jurisdiction, and any government agency does not insure accounts and value balances.
• There is a risk that legal and regulatory changes or actions at the state, federal or international level may adversely affect virtual currencies' use, transfer, exchange, and value.- Transactions with virtual currencies can be irreversible, so you may not be able to recover losses incurred through fraudulent or accidental transactions;
• The value of a cryptocurrency may result from the continued willingness of customers to exchange fiat currency for it, resulting in a potentially permanent and complete loss of value if the market for that cryptocurrency disappears;
• The value of a virtual currency can be highly volatile, resulting in significant losses in a short period of time