PAYOTP is an “Omni Token Platform for Payments”, the Blockchain powered Wallet (Buy | Sell | Exchange & Pay). PAYOTP will be the world’s largest platform in which all major crypto assets can be bought, traded and even make payments to the merchants at low fees instantly or escrow based.

The pain point of crypto to fiat conversion by the merchant is bridged. Yes, through our innovative artificial intelligence and machine learning based order/transaction matching engines will convert any cryptocurrency to PAYOTP tokens and PAYOTP tokens to fiat currency just in time.

PAYOTP is a unique payment platform, which will have a way to use their favorite cryptocurrency in order to pay the vendors/merchants instantly. We provide vendors with the safety and convenience of receiving funds in fiat currency. One can even change the primary payment option from any cryptocurrency to PAYOTP tokens or fiat currency instantly, thus by protecting them from cryptocurrency market volatility.

Our PAYOTP security system will be designed with the blend of traditional fiat currency security standards and latest blockchain technology. We will be acting as the catalyst to enable the just in time cross-border e-commerce and business transactions which will reduce the dependency of Forex mediums.

Our solution will disrupt the forex/cross-border financial market instantly. Our API’s will interact with the global eKYC interfaces and hyper ledgers to avoid the anti-social transactions. Our omnipresence data mining infrastructure will help us to build the proprietary negative database of suspicious transactions and block them in future thus by saving crypto-miners time & money. In near future, our AI-powered smart engines will be used to frame Crypto Credit Rating (CCR) system, by which merchants & users will be benefited from the PAYOTP Lend features.