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Buy Now. Pay Later.
Shop with traditional currency, debit/credit card, or cryptocurrency, and earn rewards when completing repayments.
The Future of Payments
@Pay is a DEFI (Decentralized Finance) protocol that is the first BNPL (Buy Now Pay Later) platform built integrating blockchain technology with its own cryptocurrency.
Online & Instore
Once approved, users can shop with our growing network of approved brands and merchants worldwide.
Using our BNPL solution, users are able to repay transactions in four equal installments over three months.
For every successfully repaid transaction, users earn @Pay Tokens as a reward and unlock new shopping limits.
pay your way.
Repayments can be made with direct debit and debit cards connected to their account. Users can also repay with approved cryptocurrencies and stable coins (FIAT).
Repay in Four with
Shop & Earn Rewards
Users are rewarded for successfully repaying their transactions on time. Users will receive @Pay Tokens to their fully-integrated @Pay Wallet that can be sold or used to Stake into our protocol.
@Pay will also allow users to pay for their shopping with any approved cryptocurrency that they hold in their @Pay wallet. All contributors to the ecosystem can benefit and be rewarded.
Fund your Future-self
Users are able to stake their @Pay Tokens or our approved stable coins for a period of time to earn rewards and yield bonus.
@Pay uses blockchains and smart contracts to extract process efficiencies and participant rewards.
@Pay has designed a governance framework that allows @Pay Token holders to have a voice in initiatives that shape how @Pay evolves - creating diversified funding sources, providing benefits to contributors of all sizes.
Buy Now Pay Later
@Pay is the first BNPL payment protocol that provides new ways to buy/sell for shoppers and merchants.
@Pay has built a fully-integrated cryptocurrency wallet that users and merchants can use to buy, sell, stake, and earn rewards.
@Pay Token Rewards
Customers and merchants have the ability to earn @Pay Token rewards for buying/selling using the @Pay payment protocol. These rewards can be used to earn higher yield bonuses that help grow the platform and portfolios.
$0 Late Fees
Unlike other BNPL solutions, @Pay has no late fees and will never charge customers for missing a payment.
We offer an interest-free BNPL solution for all of our customers who use @Pay, no matter the purchase amount.
Pay for products and services using either traditional currencies or approved cryptocurrencies.