What makes OTPPAY unique from other Cryptobranks?

In our Omni Token Platform, user’s can buy and sell cryptocurrencies instantly with a minimalist approach. Every time our customer places a request for above-mentioned services, our AI-powered engine will instantly match that particular request with all another request in our platform and just cross direct them so that raised service will be fulfilled without any physical transition of assets. Through this, we can able to charge comparatively low fees in the negligible time period. In case of non-matching assets, the system will retrieve the particular outcome from the OTPPAY buffer vault (cryptocurrencies/fiat currencies) and fulfill the order just in time.

Buy & Sell:
We offer the best in class, user registration process by which eKYC of the customer will be verified on an immediate basis and users can start trading instantaneously. Our OTPPAY buy & sell feature will have an auto-trading facility so that once the user assigns the pre-set values they can sit back and relax while our application does the rest. All the transaction details are recorded and made available in OTPPAY mobile apps.

Exchange:
We offer flexible crypto/fiat exchange option in our mobile wallets, where one can switch the primary mode of payments or exchange from crypto — crypto, crypto — fiat, fiat — crypto and fiat — fiat instantly, one can enjoy the benefits of cryptocurrency market upsurge or be under shield mode when asset value falls down. Our architecture is robust and built with a mix of traditional security standards (PCI-DSS) and crypto securities. With our easy or simple user interface with quick access features, we will make our OTPPAY Exchange to standout from all other crypto exchanges in the market.

Send & Receive:
Through our simple to use OTPPAY mobile application, one can do an effortless transfer of coins from one wallet address to other instantaneously. OTPPAY is working on the “SIMPLY SWAP” model by which we have planned to charge low transactional fees among the major crypto players in the market. We also offer the state of the art pricing analytics with interactive graphs, so that one can analyze the value trends before initiating the transfer.
Our chatbots will give you instant updates or notifications on each and every transaction instantly. We offer various methods to send and receive payments from the phone-book, scanning the QR code or just tapping the NFC. Through our currency switching option, one can select or make any favourite currency as primary so that all the receivables will be auto-converted to specified cryptocurrency/fiat currencies.

OTPPAY Debit Card:
Our main aim to replace or bridge existing traditional banking system by using Otppay Crypto Bank with Blockchain powered payments, transfers, currency exchange and lending options. To achieve our goal, we are providing the state of the art liquidity solution to customers by providing innovative mobile apps along with contactless debit cards which can be used worldwide.
Our AI & ML powered smart engines will automatically process the convert/exchange request just in time. Consider if you travel from the UK to the USA, and if you withdrawing cash from ATM, our GPS guided mobile apps will instruct our servers to convert the requested value from crypto to fiat or fiat to fiat and powering the card with requested withdrawal amount. Thus eradicating time and money spent on Forex transactions. We offer an unmatched benefit of “no upper / lower limit* on transaction volumes on both crypto & fiat, cash back options & loyalty points for card users.

The upper limits & lower limit will be set automatically depending upon the token holding period by the user, holding time is directly proportional to the withdrawal / spending limits

Crypto Predictive Analytics & Negative Database:

Our 24/7 Fraud monitoring systems with open audit facilitations provide extra security and transparency respectively. Our perfectly structured data analytics engine will analyze each and every transaction on our platform from IP monitoring; device fingerprinting, Payments velocity and various other boundary watchdogs to prevent the unfortunate things.

Through our AI-powered, Crypto predictive analytics engine, we offer a unique tool for our users to analyze the crypto market trends. We also develop the open platform for building the “Negative Crypto database” by which we will record all the negative/unfortunate events occurring in the crypto community.

Crypto Credit Rating(CCR):
OTPPAY will be launching Crypto Credit Rating service by which the merchants and users will be profiled and frequently updated CCR Score will be announced. Our CCR Score will be calculated by considering many boundary conditions and geographical inputs so that our CCR Score will be accurate.

Our CCR Score will be used as primary valuation key for “OTPPAY Lend” Services. Our CCR Score will be having three main assessment verticals, Creditworthiness Evaluation, Cross-Border Credit Scoring & Frequency of payments. Our CCR Score will be totally decentralized so that one can trust OTPPAY CCR will be free from data manipulations.

OTPPAY uses an end to end protocol for identity attestation, risk assessment, and credit scoring fully on the Blockchain. Identity Attestation will be processed by the eKYC. In OTPPAY, we consider our customer’s privacy to the core. Whenever any third party or institution access our CCR Score, our system will be sending alert notification immediately, once that particular user approves the request then the access will be provided to the assessor. Our data’s will be an end to end encrypted, thus by providing extra safety to our users.

OTPPAY Lend:

“Blockchain powered Instant OTPPAY Crypto Lending Solutions”

Through our OTPPAY Lend option, our merchants can lend 2X to 5X amount of monthly Sales as short time credit. The Lending limit will be calculated by the merchant sales performance and the CCR Score & Repayment Schematics. The OTPPAY wallet users can also use our OTPPAY Lend services for buying products and services with merchants registered in OTPPAY platform. All the lending agreements will be monitored by the smart contracts. Merchants & Customers, who all are active in our OTPPAY platform can avail the OTPPAY Lend benefits without any geographical restriction.

OTPPAY goal is to provide a complete crypto solution under a single roof with higher transparency rate and higher security standards.

written by - shofodun1
https://bitcointalk.org/index.php?action=profile;u=1617156