PointPay Review 2025

PointPay offers 200+ cryptocurrencies for simple buy/sell and Spot trading. The trading fee starts at 0.12 (maker & taker) and reduces to 0.075 in 5 levels based on PXP holdings. Verified accounts can withdraw up to 5 BTC (or equivalent) daily.

PointPay; An Introduction to the Exchange

PointPay is a centralized crypto exchange launched in 2018 and headquartered in Kingstown, St. Vincent & the Grenadines.

The crypto exchange serves over 3M clients worldwide across 200 countries. Key features of PointPay:

• Up to7% APR in staking
• Crypto2Crypto swap platform
• Regulated by SVGFSA (Cerificated Code: 1120 LLC 2021)
• User-friendly interface for a seamless trading experience
• PXP utility token offering various benefits within the platform

While PointPay focuses entirely on spot trading and does not offer derivatives like futures or options, it enhances asset exposure through unique offerings like NFT access and staking programs. Notably, the platform's native PXP token powers a loyalty system and reduced fees.

PointPay CEO

Vladimir Kardapoltsev currently serves as the CEO of PointPay. He first joined the company in May 2021 as Chief Project Officer, where he oversaw the redesign of the PointPay exchange, launched new products such as the Launchboard, and restructured internal management by leading a team of project managers.

In October 2021, Kardapoltsev was promoted to CEO, taking full responsibility for PointPay’s strategic direction and operations.

Since then, he has been credited with driving the company’s global expansion, obtaining regulatory licenses in multiple jurisdictions, and establishing PointPay as a trusted player in the crypto-financial ecosystem.

PointPay Exchange Table of Specifications

PointPay is an integrated crypto ecosystem combining exchange, wallet, and payment services. Let's take a closer look at the key specifications of the platform:

PointPay Upsides and Downsides

Led by CEO Vladimir Kardapoltsev, PointPay platform was named the best blockchain start-up 2019 by “Blockchain Life”. However, Let’s weigh PointPay’s advantages against its disadvantages.

PointPay Exchange User Levels

This blockchain crypto platform has implemented a tiered user level system with 5 different levels, including Zinc, Bronze, Silver, Gold, and Platinum, offering trading fee reductions to PXP holders.

PointPay Trading and Non-Trading Costs

The exchange calculates trading fees based on the user’s PXP balance and whether they use the utility token to pay the commission.

Note: PointPay charges the same commission for makers and takers. While deposits are free of charge, withdrawals incur a network fee.

PointPay Listed Cryptocurrencies

The exchange has listed 200+ assets of cryptocurrency market and offers trading pairs in 7 markets, including USDT, USDC, BTC, ETH, USDQ, USDG, and USDR. Here are some of the popular options available:

• Bitcoin (BTC)
• Ethereum (ETH)
• PointPay Token (PXP)
• Binance Coin (BNB)
• Cardano (ADA)
• Dogecoin (DOGE)
• Polkadot (DOT)
• Chainlink (LINK)

Leveraged Trading on PointPay Exchange

One of the letdowns in this PointPay review is the lack of leverage options. The platform does not currently support leveraged trading or futures contracts.

However, PointPay's roadmap indicates its plans to develop a Futures platform in Q1, 2026. PointPay's explanations on this are:

“Start Development of Futures Trading: Begin the development of a comprehensive futures trading platform, laying the groundwork for advanced trading strategies and hedging tools.

Account Opening and KYC

As long as you’re over 18, you can create an account, verify your identity, and gain access to trading tools, wallet services, and token staking all in one dashboard. Step-by-Step PointPay Registration & Verification Guide:

#1 Create Your Account

Head to PointPay’s official website and select “Join Now”. Submit the registration form with the information below:

• Email
• Password
• Password Confirmation
• Country

#2 Email Confirmation

Confirm your email via the one-time code (OTC) sent to your inbox. Write it in the email confirmation field.

#3 Verify your Identity

To start the PointPay verification process, from your dashboard, open the “Identification” tab.

Choose your ID type (passport or national ID), specify the issuing country, and input your personal details.

#4 Select Your Country and Document Type

Choose your country of residence and select the type of ID you will use for verification, either a passport or an ID card.

#5 Upload Your ID Images

Upload clear, high-quality photos of both the front and back of your ID card. Make sure the images are in color, well-lit, and free of glare or shadows.

#6 Provide Personal Details

Enter your first, middle (if applicable), and last name, along with your gender and date of birth. Indicate whether you currently hold or have held any political position.

#7 Take a Selfie for Identity Verification

Click “I’m ready” and take a live selfie using your device’s camera. This biometric check confirms that the ID belongs to the person completing the verification.

#8 Enter Your Address

Provide your full address, including street, house number, and city.

#9 Agree to the terms

Check the boxes to agree to PointPay’s terms and conditions, then submit your information to finalize the KYC verification.

How to Trade on PointPay

On PointPay, you can easily exchange one cryptocurrency for another using the Spot Trading feature on the web platform.

#1 Access Spot Trading

Log in to your PointPay account and go to the “Trade” section, then select “Spot Trading” to enter the trading interface.

#2 Pick Your Trading Pair

Hover over the current trading pair and select the one you wish to trade from the drop-down menu. This will load the relevant price chart and order book for that pair.

#3 Choose an Order Type

PointPay supports multiple order types:

• Limit Order
• Market Order
• Stop Limit Order
• OCO

Choose the appropriate order type from the options available in the order panel.

#4 Enter the Amount

In the same panel, input the quantity of cryptocurrency you want to trade. Make sure your Spot Wallet has enough funds to cover the transaction.

#5 Confirm and Monitor Your Trade

Review all the details of your order, then click the green “Buy” or “Sell” button to place it. You can track open and completed orders in the order panel at the bottom of the page, which provides an overview of your trades across all trading pairs.

PointPay App and Trading Platform

The exchange has developed a proprietary web-based platform and mobile applications with TradingView integration for advanced charting tools.

• PointPay Android
• PointPay iOS

The trading platform supports four order types, including Limit, Market, Stop Limit, and OCO.

PointPay Trading Volume

According to the PointPay CoinGecko page, the exchange has shown notable growth in trading activity over the past three months.

As of late August 2025, the platform reached a peak daily trade volume exceeding $800 million, reflecting strong market engagement and liquidity.

Earlier in the period, on June 29, 2025, daily trading stood at approximately $78.5 million, illustrating the platform's rapid expansion and increasing adoption.

PointPay’s consistent upward trend in trading volume highlights its growing influence and active user base in the crypto trading ecosystem.

PointPay Exchange Security Factors

The ecosystem is a member of the HackenProof bug bounty program. It also has implemented various security measures to protect clients’ funds and data, including:

• HackenProof Bug Bounty: Rewards of up to $500
• 2FA: Two-factor authentication via Google Authenticator or email
• AES Encryption: Data encryption using the AES protocol
• Password Hashing: Storing users’ passwords using SHA-256 or bcrypt hash functions
• Cold Storage: Storing the majority of users’ funds in offline cold wallets
• Address Whitelist: Making a list of secure wallet addresses for crypto withdrawals
• Active Sessions: Monitoring devices with access to your account

However, it is important to note that PointPay lacks Tier-1 regulatory licenses, government-level oversight, and certain modern protections like facial recognition.

PointPay Payment Options

The exchange supports 50+ fiat currencies for crypto buying and selling using three popular payment channels such as Mercuryo, MoonPay, and Transak.

While you can sell digital assets on the platform, fiat withdrawals are unavailable, and you can’t transfer your fiat assets to your bank account. However, the assets will show on your account balance.

The ecosystem processes credit/debit cards, SEPA, ACH, and SWIFT payments. Some of the available fiat currencies on PointPay:

• CHF
• EUR
• USD
• CAD
• AUD
• TRY
• SEK
• PLN
• CZK
• MXN
• SGD
• HKD
• JPY

The platform also accepts deposits and withdrawals in cryptocurrencies.

There are no fees for deposits across supported methods. Withdrawals, however, are subject to network fees for example, 0.0006 BTC for Bitcoin or 0.00444 ETH for Ethereum withdrawals.

The minimum deposit requirement is user-friendly at just 1 USD or 1 USDT (or 0 BTC), which also serves as the minimum order size for trades.

Despite the simplicity of its funding options, the lack of PayPal or bank card support may be a drawback for some traders.

PointPay Trust Scores

The exchange has shown an excellent performance in the eyes of users and experts. There are over 980 PointPay reviews on Trustpilot, most of which are positive, praising the support quality, wide range of payment methods, and promotions.

While 92% of user comments on PointPay Trustpilot are positive (4-star and 5-star), less than 8% are negative (1-star and 2-star).

Features of PointPay Features

The exchange offer staking, but what about other features? PointPay features:

PointPay Bonus

PointPay provides multiple types of bonuses for its users:

Sign Up Bonus

PointPay offers a sign-up bonus where users can get a guaranteed bonus from a $777 prize pool. So every new user can at least get $1 for registering on PointPay.

Learn & Earn Bonus

PointPay’s Learn & Earn program lets users earn crypto rewards by completing educational tasks on the platform.

Users complete lessons and quizzes on topics like the PointPay ecosystem or partner projects, and passing the quizzes unlocks rewards in USDT, PXP tokens, or other crypto.

Participation in these courses requires KYC verification and a 10 USDT deposit. The program runs in limited-time campaigns, making rewards available immediately or shortly after completion.

Referral Program

PointPay’s referral program lets users earn rewards by inviting friends to the platform. By sharing a unique referral link or ID, you can receive a percentage of your referrals’ trading commissions, giving both new and experienced traders extra incentives to engage with the platform.

Here are the Referral Levels and Rewards:

• Level 1 – 25% of trading commissions for users who register directly using your referral link
• Level 2 – 15% of trading commissions for users invited by your Level 1 referrals
• Level 3 – 10% of trading commissions for users invited by your Level 2 referrals
• Level 4 – 5% of trading commissions for users invited by your Level 3 referrals
• Level 5 – 3% of trading commissions for users invited by your Level 4 referrals

PointPay Exchange Support Channels

The ecosystem provides 24/7 support through various channels, including its social media channels, a ticket system, email, and live chat.

• Email: Support@pointpay.io
• Live Chat: Only registered users
• Ticket: Through the “Contact Us” page
• Telegram Group

PointPay Staking and Earn Accounts

While the exchange doesn’t offer copy trading, it features Earn and cryptocurrency staking accounts with high APRs [7%]. Users can also participate in the “PointPay Learn & Earn” campaign and earn crypto rewards. PointPay indirect income methods:

• Earn Accounts: Daily interest on crypto deposits (ETH, PXP, USDT, and XRP) through PointPay Vault
• Learn & Earn: Crypto rewards for completing educational quizzes
• Staking: Rewards of up to 7% by locking PXP tokens in 3 different periods, including 3 months, 6 months, and 12 months

PointPay Red Flag Countries

While PointPay hosts clients from 200+ countries and strives to be accessible globally, certain regulatory restrictions apply. Countries unable to use PointPay:

• Russia
• North Korea
• Iran
• Syria
• Cuba
• Belarus
• Myanmar
• Yemen
• Venezuela
• Sudan
• Congo

Comparison of PointPay with Other Exchange

Table below, provides detail comparison of PointPay with other top crypto exchanges:

Writer's Opinion and Conclusion

PointPay provides access to Crypto trading pairs in 7 markets, including USDT, USDC, BTC, and ETH. The exchange has partnered with Mercuryo and MoonPay to process SWIFT, ACH, and Credit/Debit Card payments, supporting over 50 fiat currencies. It has an excellent score of 4.5 out of 5 on Trustpilot.