TokenPay is a decentralized and self-verifying payment platform project. Based entirely on mathematics it is designed to enable secure transactions between multiple parties. With maximum user security as the focal point, the system is accessed exclusively through the encrypted Tor Browser. Transactions are conducted with its own proprietary and untraceable digital asset called TPAY that is embedded with the latest and most advanced safety features. These characteristics include a stealth addressing system, encrypted messaging, completely anonymous trading and a uniquely designed hashing algorithm that enables fast and secure confirmations under any conditions.

TOR Integration Privacy

The robust digital ecosystem is further fueled by a custom built 2-of-3 Multisignature Transaction Engine (MTE). This advanced protocol protects the user of the TPAY token. This is because each party must approve the transaction before the corresponding data is published on the blockchain. Unlike a traditional payment service, there is no centralized handling of user funds at any point in time. Participants generate their own pairs of private keys and public addresses. While the private keys are kept secret, users freely distribute the public addresses.


Dual-Key Stealth Address

Therefore, when a TPAY blockchain transaction is initialized, all parties sign with the corresponding private key. This signature acts as the analogous action for a particular public address. The transaction automatically becomes fully executed because all parties on the blockchain are able to then verify these signatures using the public addresses. There is no need for a TokenPay user to reveal their private key to anybody. As a result, transactions are conducted with complete security, anonymity and without any counterparty risk typical of a conventional payment platform

Zero-Knowledge Proof

Ring Signature

TokenPay has incorporated a peer to peer encrypted instant messaging system using algorithms to maintain private conversations when using the TokenPay Wallets. All of the messages sent and received are encrypted by the proven AES-256-CBC algorithm and distributed between nodes in such a way as to prevent the recipients messages from being hacked or viewed by anyone that it was not intended to, even if the hacker can view the entire network and/or run nodes of the network. To reduce significantly the risk and inconvenience of sharing passwords, we implemented the proven and trusted method of Elliptic Curve Diffie-Hellman or also known as ECDH key exchange. This level of encryption is at the same level as what governments use for top secret files.



TokenPay’s secure encrypted wallets employ breakthrough Proof-of-Stake automation technology that is powered by the fully decentralized TPAY blockchain. Desktop wallet users receive rewards for simply leaving the wallet open. The processing power of the computer graphics card drives the TPAY settlement engine. This is a decentralized network, powered entirely by its users. Multiple TokenPay desktop and mobile digital wallets have been fully developed and are available for download now. CLICK HERE to register an account.


While the various TPAY digital wallets define the pinnacle of advanced security protocol, many still consider the paper wallet’s cold storage system to be the most heavily guarded digital token cache. In a literal sense, the TokenPay Paper Wallet is a physical document that contains all of the necessary data that is required to generate the essential TPAY private key. This can be the most secure way of storing TPAY because the wallet is not exposed to malware. It can be stored in a private safe. The private key is generated by the user on the highly secure TokenPay server. It is recommended that users disconnect from the internet when in the process of generating a private key. This way the paper wallet generator is considered to be truly self-contained and the keys are not being transmitted online. TokenPay regularly audits and verifies the integrity of the client-side private key generator that it offers on its website.


TokenPay is planning to form a new bank charter, partner or acquire a licensed bank in Vanuatu. One negotiation currenly underway is with a bank that has a great reputation and all the necessary relationships to make international transfers possible. As TokenPay desires to cater to cryptocurrency customers by tailoring the compliance department around this theme, this is a crucial first step. The creation of a a bank that is fully committed to customers with cryptocurrencies is the ideal situation. Accordingly, the intention is to offer traditional banking services with regulatory oversight and fiduciary status. AML and KYC procedures will apply the same, as with customers with fiat currencies. TokenPay plans to operate in the Hong Kong dollar which is pegged to the USD. Most desirable is the partnership or acquisition of a bank that already has many of the existing correspondent banking relationships that are necessary to transact in major currencies. 


Privacy Focused Jurisdiction
Multi currency Transactions
International Wire Capabilities
Widely Accepted Debit Card



The concept behind the fully integrated BlueDiamond debit card is that it will be easy to load given its direct connection to the TokenPay digital wallets. Therefore, spending can be done virtually or at any point-of-sale merchant either online or in person. Additionally, the international debit card allows instant access to multi-currency funds at network automated teller machines. Transparent pricing and low fees make the BlueDiamond debit card a very attractive mechanism for cashing out digital tokens to enable hard asset purchases. A user’s digital tokens like TPAY or Bitcoin can be accessed whenever needed thanks to the closed-end real-time private exchange that will be part of the TokenPay banking platform. Accordingly, there is no need for the user to have to convert exact quantities of digital tokens to conduct a fiat transaction.


Low Cardholder Fees
Global ATM Access
Real-Time Conversion
Multi-Currency Support
TPAY Purchase Rewards

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TokenPay's merchant services division offers businesses around the world the opportunity to transact with TPAY as well as other cryptocurrencies. All of this is possible with the integration of our planned bank and exchange to provide liquidity. Businesses will be have the flexibility to convert crypto to fiat. Also, fees for merchants will be as low as 0.25%. Merchants accepting TPAY will save more than 90% from traditional merchant service options. Aggressive merchant onboarding and promotion driven by a special zero-fee offer on transaction processing designed to drive increased TPAY denominated payment activity in e-commerce stores.


Industry Low Transaction Fees
Daily Cash Settlements
Customizable Branded Checkout
Point and Click Integration
Advanced Security Protocols


  1. 2015 Q4

    • eFin.com Beta version of platform launched Fall 2015
  2. 2016 Q2

    • Partnership with USTOCKTRADE and London Stock Exchange’s Tony Weersinghe
    • Feature presentation at MIT Fintech Conference
  3. 2016 Q4

    • Owing to overwhelming user demand for blockchain assets, founders shifted focus to cryptocurrency technology
    • Established corporate headquarters in the privacy-focused jurisdiction of the British Virgin Island
  4. 2017 Q1

    • Onboard world-class dev team to build a more secure and untraceable version of Bitcoin
    • Proprietary Tor network coin technology integration
    • Created Stealth Address and Encrypted Messaging system
  5. 2017 Q2

    • Launched Multi-Signature Transaction Engine
    • Released Linux, Windows, macOS and Paper Wallets
  6. 2017 Q3

    • Agreed to acquire an established bank
    • Added Ring Signature feature to TPAY blockchain
    • Zero-Knowledge Proof advanced automation added
  7. 2017 Q4

    • Release Whitepaper of TokenPay Token Sale
  8. 2018 Q1

    • Completion of Token sale
    • TPAY utility token integration into platform
    • TPAY Apple iOS Mobile Wallet
    • Complete due diligence of Bank Integration
  9. 2018 Q2

    • TokenPay website launched for commercial use
    • Complete acquisition or partnership of Bank
    • P2P multi-screen payment platform
    • Global merchant services application available
  10. 2018 Q3 or Q4

    • BlueDiamond debit card ships to account holders
  11. 2019

    • TokenPay Bank to expand to new regions within APAC


TokenPay is launching a hard capped TPAY digital token sale to raise funds for the TokenPay project and general corporate purposes. This will allow the team the ability to add more features to the platform. The maximum raise will be 5000 Bitcoin during the token sale and the presale combined. The number of tokens issued per Bitcoin will depend on the Bitcoin raised as per the bonus structure table detailed in this whitepaper. Prospective TPAY buyers can trade any amount of Bitcoin including fractional amounts such as 0.010 Bitcoin. There will be a discount offered to early TPAY buyers that will decay with the number of TPAY claimed during the token sale. There will also be bonuses offered for referring buyers to the TPAY digital token sale. There are NO REFUNDS OR EXCHANGES once BTC has been exchanged for TPAY.




Period Date Bonus Rate Referral
Week 1 December 7th to 14th 100% 100%
Week 2 December 15th to 21st 50% 50%
Week 3 December 21th to 27th 50% 50%
Week 4 December 28th to January 3rd 50% 50%
Week 5 January 4th to January 10th 25% 25%
Week 6 January 11th to January 17th 10% 20%


TIER 1 500:

Bank acquisition and development of multi-screen financial platform

Android & IOS
Bank Integration
Currencies and Tokens Support

TIER 2 1500:

Fully insured accounts, wallets, exchange and issuance of debit card

Financial Licenses
TokenPay Exchange

TIER 3 2,500:

Ultra high liquidity and low spread private exchange for clients

Rapid Fire Multi-Currency Exchange

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Derek Capo

Derek is a former hedge fund analyst who most recently served as VP of International at RoboTerra. He has a finance degree from FIU and has completed advanced Chinese studies.

Carlos Salazar

Carlos is a cyber security expert with experience managing IT for large international gaming clients. He studied Chemical Engineering at UCR.

Joseph Pacetti, CPA


John Singh

John has developed marketing campaigns for several global automotive brands with the objective of building social engagement. He has an International MBA from FIU.

Senen Garcia
General Counsel

Senen is a corporate lawyer with 15 years of experience specializing in forensic tax issues. He holds a JD and MBA from St. Thomas University.

Aaron Tian
Application Developer

Aaron is a fullstack commercial software developer buidling internal applications for companies like Rakuten, Veeca and App Annie.

Laurance Gerges
Senior UX/UI Designer

Laurance is a detail-oriented and talented graphics and web designer with 5+ years experience in UX/UI/front-end development and print design.

Vlad Turtoi

Vlad is an end-to-end product developer with full stack engineering capabilities. He specializes in developing complex AI enterprise solutions.


Sunerok - Verge Currency (XVG)

Sunerok is the Lead Developer of the Verge Cryptocurrency. It is a secure, anonymous and heavily traded privacy coin that has been widely adopted by crypto enthusiasts.

Carlos Arraya

Carlos is a compliance specialist experienced in AML, international banking, trusts and global acquisitions. He is a licensed attorney and Bar Association committee Director.

Charles Moscoe

Charles is a technology investor with over 20 years of experience in internet commerce. He has funded several fintech startups including investFeed, a popular crypto social network.

Elizabeth Vrettos, CPA

Elizabeth is a manager and expert in Forensics with PricewaterhouseCoopers. She specializes in investigations of bribery, corruption, fraud and due diligence procedures throughout LATAM.

Subir Lohani

Subir is a former Barclays Capital investment banker who focused on the Asian debt market. He is currently the Chief Growth Officer for PayPro Indonesia, a leading e-wallet payments company.

Medium Blog
TokenPay Github
TokenPay Youtube
TokenPay Project
Wickhams Cay 2
Road Town, Tortola
British Virgin Islands

Nothing contained in the Site constitutes investment, legal or tax advice. Neither the information nor any opinion contained in the Site constitutes a solicitation or an offer to buy or sell any securities, futures, options or other financial instruments. Decisions based on information contained on this site are the sole responsibility of the visitor. The materials in the Site are provided “AS IS” and without warranties of any kind (either express or implied). To the fullest extent permissible pursuant to applicable law, any and all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, are disclaimed. Understand that all information pertaining to the purchase of TPAY is contained in the WhitePaper and on this website. All information provided by a referral source is not authorized by TokenPay and should not be relied upon when exchanging Bitcoin for TPAY. PLEASE NOTE THAT U.S. PERSONS MAY NOT PARTICIPATE IN THE TOKEN SALE. IF YOU ARE A NON-U.S. PURCHASER, YOU MAY ONLY PARTICIPATE IF YOU ARE OUTSIDE OF THE UNITED STATES AT THE TIME OF THE PURCHASE.