@Pay is a global decentralized platform creating payment solutions for shoppers, merchants and marketplaces that empowers customers to access the things they want and need, while still allowing them to maintain financial wellness and control with the aim of helping people to spend responsibly. @Pay is being developed as an autonomous decentralized finance (DEFI) protocol that introduces a blockchain integrated cryptocurrency to the BNPL sector along with traditional fiat currency.

Key features of @Pay:

The @Pay Governance token is an internal coin in which users are rewarded for completing their repayments on time by receiving @Pay governance tokens. The @Pay governance token can be used in various ways such as buying into a higher credit limit, used as currency to purchase products and services from @Pay merchants in the @Pay marketplace and able to vote on certain outcomes that can shape the future of the @Pay platform.