@Pay is a global, decentralized platform focused on payment solutions for shoppers, merchants, and marketplaces. It helps customers get the items they want and need while supporting financial wellness and ongoing control, with the goal of encouraging responsible spending. @Pay is being built as an autonomous decentralized finance (DEFI) protocol that connects a blockchain-integrated cryptocurrency to the BNPL sector, alongside traditional fiat currency.

Key features of @Pay:

The @Pay Governance token is an internal asset. Users receive @Pay governance tokens as rewards for making their repayments on time. This governance token can be applied in different ways, including purchasing entry into a higher credit limit, acting as a medium of exchange to buy products and services from @Pay merchants within the @Pay marketplace, and voting on certain results that can influence the future direction of the @Pay platform.