PointPay is a cryptocurrency banking platform. It disrupts the traditional bank model by enabling low-cost and instant fund transfers across the globe using our native off-chain technology and PointPay token (PXP). 1.5 billion people worldwide don’t have both financial literacy skills, and access to banking services, but they would like to. By purchasing a PointPay token (PXP) you invest in the future of global crypto and blockchain Education through PointPay Crypto School. As a reward for contribution to World Education, PointPay token (PXP) holders get the right to earn higher yields (up to 20% annually) on a progressive scale on PointPay Blockchain-based Bank with Checking and Savings Accounts. Furthermore, PointPay token (PXP) holders are entitled to send instant payments within PointPay products with a lower commission as well as trade on PointPay Crypto Exchange with reduced fees. Finally, PointPay token (PXP) holders get access to premium video tutorials with advanced trading strategies where we explain how to make money in the crypto market.