Hello guys. I will be discussing a project creating a platform where all major crypto assets can be bought, traded and even made payments to merchants at low cost directly or escrow based. The name of this project is OTPPAY. Before looking into this project, lets look at the problems being faced resulting in the conceptualization of this project. One major problems which acryptocurrency associated companies are currently facing is converting their cryptocurrency to fiat currency. Coming to think of this problem, it shouldnt be a big problem just as investing in cryptocurrencies isn’t a big problem even if it is a problem to some investors. But so many factors has caused this to be a major problem for businesses. We all know that it is very hard to sell a product in the market for cryptocurrency knowing the fact that the market is very volatile. This is the major reason for the conceptualization of this project. Now looking into this project, 
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What is OTPPAY?
OTPPAY’s platform tends to solve this problems by letting you pay for your purchases with any crypto currency. This project will be the largest platform in the world where all major crypto assets can be bought, traded and even made payments to merchants at low cost directly or escrow based. OTPPAY will also provide absolute security for its users. Obviously we have had other platforms, projects with this same concept as OTPPAY but what makes OTPPAY different is that OTPPAY claims that it will significantly support a wide variety of cryptocurrencies and fiat currency with a faster approval transaction because of the use of their internal currency as mediator.

How it works
Prior to OTPPAY’s concept, Otppay will instantly pay for convertible money for your purchased services and products. This is much more convenient than paying huge commissions to intermediaries. As we know, the main aim is elimination of intermediaries, openness of transactions and operation security. Thanks to the API, the platform can be integrated where it’s convenient. The eKYC system will work for the benefit of the translation and will ensure that no illegal transactions are carried out. The OTPPAY’s main product is a mobile application which includes virtually all the features needed for the transactions involving cryptocurrencies like an exchange and brokerage, a lending platform and a wallet. In the OTPPAY platform, we have features like feedback from many customers from the ground level including variable ethnic sample sizes and different markets. In OTPPAY’s platform uses there is an electronic way of verification to verify customers, which is a very important step of this platform to show their seriousness in the security and privacy.
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In this same platform, there’s also a QR payment method and a debit card, which will allow its user to pay to the persons for the services and goods offered. One other great feature of this platform i will love to discuss is the lending aspect of the platform through which users can gain passive income.

About Token sale
Pre ICO companies will start March 5 and April 3 Pre ICO will end.
1 goal to collect 3750 ETH
1 token OTP = 0.0000625 ETH
1 ETH = 16000
Bonus OO Pre ICO 20%
ICO Phase 1 will start on April 4 and May 3 will end.
Target 37500 ETH
1 Token OTP = 0.000125 ETH
1 ETH = 8000
ICO OTP ICO 15%
ICO The second phase will start on May 4 and end on June 2nd.
Target 30000 ETH
1 OTP = 0.000125 ETH
1 ETH = 8000 OTP
ICO bonus 10%

Roadmap
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To know more about this project, Visit:
Website: https://otppay.io
White Paper: https://otypay.io/Assets/otppay-whitepaper/OTPPAY_White_paper_v1.1.pdf
Twitter: https://twitter.com/otppay
Facebook: https://www.facebook.com/Otppay/
Telegram: https://t.me/otppaychat
My Bitcointalk profile: https://bitcointalk.org/index.php?action=profile;u=1048662