PayAccept

**PayAccept the differentiator of Decentralized Finance**

The past five years have brought increasing change to the world of cross-border payments. The trusted and tested correspondent banking approach has encountered challenges from emerging alternative solutions and new players upending some of the industry’s fundamentals. The nature and direction of these changes, however, remains unclear in many cases.

We strongly believe that decentralization is a key-factor in building a better society for everyone. By accelerating the world transition to digital assets, we are helping the world to move into this direction. 

International payments have long served as the engine enabling cross-border trade and investment, and have been instrumental in the emergence of today’s global economy. An extensive list of requirements —a ubiquitous network of trusted parties spanning the entire world, substantial regulatory and technical infrastruc- ture, and a mandate for ample liquidity— have historically made banks the natural “owners” of the cross-border market (augmented by some specialized firms active mostly in tertiary remittance markets).

Margins have traditionally been robust cross-border; and occasional price pressures have weighed on margins, but not to the extent of requiring radical cost transformation observed in domestic payments. Although cross-border flows represent only one-sixth of total transaction values, international payments revenues total up to $200 billion globally, split roughly evenly between transaction fees and foreign exchange (FX) revenues. This equates to 27 percent of global transaction revenues and is increasing by 6 percent annually.

Today, the global cross-border payment landscape is at the center of a number of trends that could fundamentally change competitive dynamics: increasing pressure from emerging technologies (including distributed ledger technology—DLT—and card and network innovations); shifting regulatory and sanctions frameworks; accelerating international commerce (retail as well as corporate); and, especially, changing customer demands. In addition,firms new to the cross-border market, such as TransferWise, Alibaba and Amazon, are increasing competitive pressure on incumbents.

**What is PayAccept going to do today and tomorrow?**

PayAccept is implementing a comprehensive digital infrastructure in accordance with our roadmap. This will allow for the mass adoption of crypto assets, as well as provide access to traditional and blockchain-based financial tools for individuals, businesses, or the unbanked.

We intend to deploy a simple wallet management system and provide cryptocurrency to fiat and stablecoin conversions, with instant swap functionality for digital assets. PayAccept deployed a Blockchain that presents various liquidity pools. The Blockchain enables PayAccept to perform conversions between different placed assets quickly. Transfers from digital assets to stablecoins and even locally accepted fiat will take place in just a second on a worldwide basis. 

PayAccept users can take advantage of financial services that are supported by Blockchain technology. We provide financial services based on blockchain protocols. End users will eventually be able to trade assets with the click of a button, create unique assets, run a wallet service provider, and interact with decentralized protocols as well as digital assets through the ease of a refined interface.

**Unique features**

* fastest payment application built on the blockchain
* 100% decentralized
* support all tokens and coins
* built-in support for DeFi and NFT
* on-off ramp with fiat gateway
* mobile application on iOS and Android
* company located at the High Tech Campus in Eindhoven

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