PointPay isn’t just another crypto exchange. If you’re looking for a platform that blends trading, banking, and earning into one seamless system, it’s worth your time. Unlike most exchanges that focus only on buying and selling coins, PointPay acts like a full digital bank built on blockchain. You can trade, earn interest, get loans, and even use a crypto debit card-all in one place. And with over 3 million users across 200 countries, it’s not a small startup anymore. It’s growing fast, and it’s licensed in the EU. But does it actually work well for real people? Let’s break it down.
What Makes PointPay Different?
Most crypto exchanges are like online stockbrokers. You deposit money, trade coins, and that’s it. PointPay is different. It’s a crypto banking platform that combines a centralized exchange, digital wallet, savings accounts, and lending services under one roof. Think of it as Neobank, but for crypto. You don’t need a traditional bank to use it. Everything runs on blockchain.The platform is built around its native token, PXP the utility token powering PointPay’s ecosystem, used for staking, fee discounts, and governance. Holding PXP unlocks higher interest rates, lower fees, and access to exclusive features. That’s a big deal. Most exchanges give you nothing back for holding their token. PointPay pays you.
Trading on PointPay: Simple or Advanced?
Whether you’re new to crypto or a seasoned trader, PointPay has a layout for you. There are three trading interfaces:- Quick Exchange - For beginners. Buy or sell in two clicks. No charts, no order types. Just pick a coin, enter the amount, and confirm.
- Classic Exchange - For casual traders. Shows basic charts, order book, and trade history. Supports market, limit, and stop-limit orders.
- Advanced Exchange - For serious traders. Full-depth order book, multiple charting tools, and API access. You can set complex strategies here.
Liquidity is solid. The PXP/USDT the most traded pair on PointPay, accounting for 100% of all PXP trading volume across exchanges pair hits $400,000 in daily volume. That means you can buy or sell large amounts without big price swings. Slippage is low, and order execution is fast-under 200 milliseconds on average, according to internal benchmarks.
Earn Interest Like a Bank (But Better)
This is where PointPay really stands out. You can open a Savings Account a crypto interest-bearing account offering up to 8% APY on 13 major digital assets including USDT, USDC, and DAI and earn interest on your coins. No lock-ups. No minimums. Just deposit and earn.Here’s what you can earn right now:
- USDT: 6.5% APY
- USDC: 6.2% APY
- DAI: 5.8% APY
- BTC: 3.1% APY
- ETH: 4.0% APY
Compare that to traditional banks paying 0.01%-it’s a massive difference. And you don’t need to be a millionaire to start. You can earn interest on $10 or $10,000. The platform uses cold storage and multi-signature wallets to secure funds, though they don’t publish third-party audit reports.
Stake PXP for Up to 20% APY
If you’re serious about maximizing returns, stake your PXP PointPay’s native token with staking rewards up to 20% APY depending on lock-up period and amount staked. The more you stake and the longer you lock it up, the higher your reward.Here’s how it works:
- 3-month lock: 10% APY
- 6-month lock: 15% APY
- 12-month lock: 20% APY
And there’s a bonus: if you stake more than 50,000 PXP, you get an extra 1% APY. That’s $1,000 in rewards per year on a $50,000 stake. That’s better than most stocks, bonds, or savings accounts. The catch? You can’t withdraw your PXP during the lock-up. But if you’re holding long-term, this is one of the best yields in crypto.
Get Loans Without Credit Checks
Need cash? You can borrow USDT using your crypto as collateral. PointPay lets you lock up seven coins-BTC, ETH, LTC, XRP, DOT, ADA, and PXP-and get a loan in USDT instantly. No paperwork. No credit score. No bank interview.Loan-to-value ratio is capped at 50%. That means if you deposit $10,000 worth of BTC, you can borrow up to $5,000 in USDT. Interest rates start at 4.5% per year, which is competitive. If the price of your collateral drops too low, you’ll get a margin call. If you don’t add more collateral or repay the loan, your assets get liquidated. It’s standard for crypto lending, but it’s fast, simple, and doesn’t require you to sell your coins.
Fees: Are They Really Low?
PointPay claims to have “some of the lowest fees in the market.” That’s vague, but here’s what we know:- Trading fees: 0.1% for makers, 0.15% for takers. No hidden charges.
- Fiat deposits: Free via bank transfer. Debit/credit card purchases have a 3.5% fee-typical for crypto platforms.
- Withdrawals: Mostly free for major coins. BTC withdrawal is 0.0005 BTC, ETH is 0.005 ETH. That’s lower than Binance and Coinbase.
- Staking and lending: No fees. You keep 100% of your rewards.
Compared to other exchanges, PointPay’s fee structure is clean and transparent. You won’t get surprised by surprise charges. The only downside? No fiat withdrawal option yet. You can’t send EUR or USD to your bank account directly. You have to sell your crypto first.
Security and Regulation
PointPay operates under multiple licenses. Its Lithuanian subsidiary, UAB Point Pay EU the EU-licensed entity allowing PointPay to offer regulated crypto banking services in Europe, is officially authorized to handle digital assets in the European Union. That’s rare for a crypto-only platform. Most exchanges operate in offshore zones with no real oversight.They also have operations in Estonia and St. Vincent & the Grenadines, giving them flexibility. The EU license means they follow AML and KYC rules, which adds a layer of trust. Your funds are stored in cold wallets with multi-signature access. They don’t publish penetration test results, but their track record is clean-no major hacks reported since launch in 2018.
User Experience and Support
The app and website are clean, fast, and intuitive. Navigation is logical. You won’t need a tutorial to find your way around. The mobile app works smoothly on both iOS and Android. Real-time balance updates, instant transfers, and push notifications for price changes make it easy to stay on top of your portfolio.Customer support is available 24/7 via live chat and email. Response times are under 15 minutes during peak hours. They don’t have a phone number, but chat is reliable. Trustpilot gives them a 4.8/5 rating from over 550 reviews. Most complaints are about slow fiat on-ramps or delays in PXP staking payouts during network congestion. But those are minor.
What’s Coming Next?
PointPay isn’t standing still. Their roadmap includes two major updates:- Decentralized Exchange (DEX): Launching soon, this will let users trade directly from their wallets using liquidity pools and AMM (Automated Market Maker) tech. It’ll connect to the main exchange, so you can move assets between CEX and DEX without leaving the platform.
- Crypto Debit Card: A physical or virtual card that lets you spend your crypto anywhere Mastercard is accepted. You’ll be able to convert your holdings to fiat instantly at checkout.
These features show they’re not just chasing trends-they’re building the future of finance. If you want a single platform that does everything, PointPay is one of the few that’s actually delivering.
Who Is PointPay For?
- Best for: Crypto holders who want to earn interest, get loans, and trade without switching platforms. Ideal for long-term investors who don’t want to sell their coins to access cash.
- Not ideal for: Traders who need advanced charting tools like TradingView integration or those who need direct fiat withdrawals. Also not the best if you only want to buy Bitcoin once and forget it.
If you’re tired of juggling five different apps-exchange, wallet, savings, loan, debit card-PointPay cuts the clutter. You get it all in one place, with regulation, high yields, and low fees.
Final Verdict
PointPay isn’t perfect. It’s not as big as Binance or Coinbase. It doesn’t have every coin ever created. But it doesn’t need to. It’s built for people who want more than trading. It’s for those who want to bank with crypto-not just speculate with it.The combination of EU licensing, 3 million users, 8% APY on stablecoins, and 20% APY on PXP staking makes it one of the most compelling platforms in crypto today. If you’re serious about growing your crypto holdings without selling, PointPay deserves a spot on your radar.
Is PointPay safe to use?
Yes, PointPay is one of the safer crypto platforms. It’s licensed in the EU through UAB Point Pay EU, follows strict KYC and AML rules, and stores funds in cold wallets with multi-signature security. There have been no major security breaches since its launch in 2018. However, like all crypto platforms, you’re responsible for your own account security-use strong passwords and enable 2FA.
Can I withdraw fiat money from PointPay?
No, you cannot withdraw fiat currency like USD or EUR directly to your bank account. You can deposit fiat via card or bank transfer to buy crypto, but to get cash out, you must first sell your crypto for USDT or another stablecoin, then transfer it to another exchange that supports fiat withdrawals.
How do I earn interest on PointPay?
Go to the Earn section, select the coin you want to deposit (like USDT or ETH), and click "Deposit to Savings." Your interest starts accruing immediately. There’s no minimum deposit, and you can withdraw anytime. Rates vary by coin, with stablecoins offering the highest returns-up to 6.5% APY.
What is PXP and why should I hold it?
PXP is PointPay’s native token. Holding PXP gives you lower trading fees, higher staking rewards (up to 20% APY), and access to exclusive features like early DEX access and future airdrops. The more you stake and the longer you lock it, the better your returns. It’s the key to unlocking the platform’s full value.
Does PointPay have a mobile app?
Yes, PointPay has official apps for iOS and Android. The app lets you trade, check balances, earn interest, and manage staking-all from your phone. It’s well-rated on both app stores and works reliably with push notifications and biometric login.
Is PointPay available in my country?
PointPay is available in over 200 countries, including the US, UK, EU, Canada, Australia, and most of Asia and Latin America. However, it’s not available in a few restricted jurisdictions like North Korea, Iran, and Cuba due to sanctions. Check their website for the latest list if you’re unsure.
george haris
January 22, 2026 AT 10:59Yo I tried PointPay last month after hearing about the 8% APY on USDT and honestly? It’s been a game changer. I was using Binance before but juggling three apps just to earn interest and trade was driving me nuts. PointPay does it all in one place, no BS. The app is smooth, the interface is clean, and I’ve been staking my PXP for 6 months now at 15% - that’s like $750 a year on my 50k PXP stash. No regrets.
Also, the fact they’re EU licensed? Huge plus. I don’t trust offshore exchanges anymore after Terra collapsed. This feels legit.
carol johnson
January 22, 2026 AT 20:48OMG I’m so obsessed with this platform 😍 I literally cried when I saw my 20% APY on PXP… I mean, who even does that?? 💸 I’ve been holding since 2022 and now I’m basically living off the staking rewards. Also the debit card is coming?? I’m already planning my European vacation and spending crypto everywhere 🌍✈️💸
Jennifer Duke
January 24, 2026 AT 06:14Let’s be real - most people don’t understand what they’re staking. PXP isn’t a currency, it’s a governance token with utility. If you’re just holding it for yield without understanding the ecosystem, you’re basically gambling with your assets. And don’t get me started on the ‘8% APY’ - that’s not sustainable long-term. Centralized platforms like this are just rehypothecating your assets behind the scenes. The EU license? Cute. It doesn’t change the fact that you’re trusting a private company with your crypto. Real DeFi users use Aave or Compound. This is just crypto-washing with a nice UI.
Sara Delgado Rivero
January 26, 2026 AT 04:17Why are people so obsessed with earning interest on stablecoins?? You’re literally just getting paid to hold dollars that are being devalued by the Fed. And you’re fine with that?? You’re enabling the system you claim to hate. Crypto is supposed to be about freedom not getting 6% on USDT like some retiree with a savings account. This platform is just a fancy Ponzi with a mobile app. I’m not even mad - I’m just disappointed in us.
Mark Estareja
January 26, 2026 AT 21:57Okay but the liquidity on PXP/USDT is insane - $400k daily volume? That’s more than some altcoins with actual market caps. And execution under 200ms? That’s institutional-grade. I’ve been running arbitrage bots on this exchange for 3 months and the slippage is lower than Kraken. The only reason I haven’t migrated everything here is because I still use Coinbase for fiat on-ramps. But honestly? If they added direct EUR/USD withdrawals, I’d dump everything else.
Anna Topping
January 28, 2026 AT 21:08There’s something poetic about building a bank on blockchain. We used to dream of decentralized finance - now we’re just trading interest rates on stablecoins and calling it innovation. But I can’t hate it. I mean… who doesn’t want free money? The fact that I can earn 6.5% on USDT while my bank gives me 0.01% feels like a quiet revolution. Maybe we’re not changing the system… maybe we’re just outliving it.
Steve Fennell
January 30, 2026 AT 13:24Just wanted to say thank you to the OP for this detailed breakdown. I’ve been looking for a platform like this for ages. I’m a dad of three, not a trader, just trying to grow my crypto stash safely. The fact that I can deposit $10 into USDT savings and start earning? That’s huge. My wife thinks I’m crazy for caring about APY, but she’s now asking me how to set up her own account. PointPay isn’t just for crypto bros - it’s for regular people who want to do better with their money. 👏