@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.&nbsp;@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:<ul><li>Decentralized Finance. @Pay has designed a governance framework that allows @Pay Token holders to have a voice in initiatives that shape how @Pay evolves - creating diversified funding sources, providing benefits to contributors of all sizes</li><li>@Pay is the first BNPL payment protocol that provides new ways to buy/sell for shoppers and merchants</li><li>Integrated Wallet. @Pay has built a fully-integrated cryptocurrency wallet that users and merchants can use to buy, sell, stake, and earn rewards</li><li>@Pay Token Rewards. Customers and merchants have the ability to earn @Pay Token rewards for buying/selling using the @Pay payment protocol. These rewards can be used to earn higher yield bonuses that help grow the platform and portfolios.</li></ul>The @Pay Governance token is an internal coin in which users are&nbsp;rewarded for completing their repayments on time by receiving @Pay&nbsp;governance tokens. The @Pay governance token can be used in&nbsp;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.

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AtPay

AtPay is the first buy now pay later app built on the blockchain that allows repayments with crypto or fiat.

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