PointPay is creating a brand new product that combines three services in a single closed-loop ecosystem: PointPay Crypto Bank, PointPay Crypto Exchange Platform and PointPay Multi-Currency Wallet. Our work allows potential customers living all over the world to enjoy our payment tool services using the Internet. It is a PXP utility token with the ERC-20 standard, which was created by PointPay based on the Ethereum platform. It is The core token of the blockchain system. First, the solution will combine the above three services in one ecosystem; second, it will make PXP tokens a valuable asset needed by the cryptocurrency market.