AllPay Coin is a platform that simplifies the payment process for rapid processing speed by replacing the roles of various intermediaries in the existing payment system with smart contracts and cryptocurrency payment processing of the blockchain and provides payment services with customized cost. On the platform, the intermediary participants and payment processing stages can be minimized. Allpay Platform features:

• High Security. All payment information is processed in an encrypted condition and stored in the blockchain system
• High Reliability. Transaction information is stored in a decentralized data storage and continuously created and maintained backup data to prevent data loss
• High Interoperability. Based on the transaction data and information stored on the platform, various payment applications can be freely connected
• High Usability. API and SDK supporting interworking with various existing on/offline payment systems are provided for the user's convenience
• High Applicability. Various value-added systems can be applicated and embedded into the interface of core components
• Appropriated Cost. AllPay Coin shall construct and configure the blockchain payment system to minimize the time and cost of data verification by intermediaries.

AllPay's mainnet system is designed with the following architecture. The system framework was developed to guarantee personal privacy based on payment services. All requests from smart contracts within the layer that will activate in AllPay’s system are performed through a protected API. AllPay system issues smart contracts in charge of remittance, financial data processing, and transaction. This smart contract is designed to provide services for payment, remittance, and financial product transactions. The AllPay infrastructure layer includes all smart contract codes working in the framework, as well as the user's account transaction, remittance, and financial product details. All information is managed on the blockchain system. The AllPay blockchain can recommend customized products for users by deep learning.