## What is XRPayNet (XRPayNet)?
[XRPayNet](https://xrpaynet.com/) is a FinTech project that seeks to revolutionize financial transactions by connecting the cryptocurrency universe with traditional fiat currencies. It offers a comprehensive payment solution consisting of a [crypto card](https://xrpaynet.com/order-card/) and a [mobile app](https://play.google.com/store/apps/details?id=com.xrpaynet.app), enabling consumers to spend cryptocurrencies effortlessly. This system provides instant settlements, addressing cryptocurrency volatility concerns, and allows businesses to receive payments in their preferred fiat currencies. XRPayNet's crypto card can be used both online and in physical stores, offering users the convenience of spending digital assets while seamlessly converting them to fiat for businesses. With its decentralized approach and global accessibility, XRPayNet aims to make cryptocurrency payments more mainstream and accessible for consumers and businesses worldwide.


### Who Are the Founders of XRPayNet?
[Kristian Poliszczuk](https://uk.linkedin.com/in/kristian-poliszczuk-9b917a73): Kristian hails from the West Midlands, United Kingdom, and has a strong background in business, including the successful operation of a multi-million-pound business by the age of 25. He has experience in app development and has been involved in the cryptocurrency space since 2017. Kristian is the Founder and CEO of XRPayNet.

[Patrick Amadieu](https://uk.globaldatabase.com/company/xrpaynet-global-limited): Patrick is from Geneva, Switzerland, and brings valuable experience in international commerce and trading to XRPayNet. With expertise in overseas contracts, Patrick serves as the Co-Founder and International Business Manager of the project.

These two individuals have played pivotal roles in establishing and leading XRPayNet, working together to drive the project's mission forward.


### What Makes XRPayNet Unique?
[XRPayNet](https://xrpaynet.com/) stands out in the cryptocurrency landscape for several unique features and purposes:

**Bridging the Gap:** XRPayNet aims to bridge the gap between the growing demand for cryptocurrency spending and businesses that are willing to accept crypto payments. It does so by facilitating seamless card and mobile app payments with settlements in seconds.

**Conversion to Fiat:** Unlike many cryptocurrencies that operate independently of fiat currencies, XRPayNet focuses on facilitating crypto payments that are instantly converted into the preferred conventional currency of businesses. This approach addresses the volatility concerns associated with cryptocurrencies.

**Integration with Existing Systems:** XRPayNet's card and mobile app are designed to allow businesses to continue using their existing processing systems while seamlessly converting crypto to fiat. This integration simplifies the adoption of cryptocurrency payments for businesses.

**Decentralized Cards:** XRPayNet introduces decentralized cards, making it one of the pioneers in this space. These cards enable customers to spend their cryptocurrency at any retailer accepting Visa and Mastercard, with the businesses receiving fiat currency. This feature offers flexibility and utility for both consumers and businesses.

**Expanding Cryptocurrency Usage:** By providing a user-friendly payment solution that combines the benefits of cryptocurrencies and fiat currencies, XRPayNet aims to make cryptocurrency more accessible and useful for everyday transactions. This could potentially drive wider adoption of cryptocurrencies as a means of payment.

In summary, XRPayNet's unique selling points lie in its focus on combining cryptocurrencies and fiat currencies, facilitating instant conversions, integrating with existing systems, introducing decentralized cards, and expanding the usability of cryptocurrencies in the real world. These features set XRPayNet apart as a payment solution that caters to both crypto holders and businesses.

### XRPayNet Card
The [XRPayNet Card](https://xrpaynet.com/order-card/) is a revolutionary payment solution that bridges the gap between cryptocurrency and traditional fiat currency. It enables consumers to seamlessly spend their cryptocurrencies at retail stores and online, while businesses receive payments in their preferred fiat currency. This innovative card and mobile app combination ensures that cryptocurrency payments are processed with lightning speed and efficiency, with settlements occurring in seconds. Unlike most cryptocurrency payment methods, XRPayNet Card simplifies the process, making it as straightforward as using a regular payment card, and offers the flexibility and convenience that both consumers and businesses seek in the ever-evolving financial landscape.

### Volta Mobile App
[Volta Wallet](https://play.google.com/store/apps/details?id=com.xrpaynet.app) is poised to emerge as a prominent player in facilitating cryptocurrency transactions within the retail sector. Our Version 1 app functions as a secure cryptocurrency wallet for custody while also serving as an exchange platform, featuring an extensive selection of nearly 300 different cryptocurrencies that can be effortlessly swapped among themselves. With access to approximately 90,000 trading pairs, Volta Wallet provides unparalleled opportunities for diversifying investment portfolios. In contrast to most cryptocurrency exchanges, which typically offer limited trading options centered around major coins like Bitcoin, Ethereum, and USDT, Volta Wallet empowers users to exchange any of the 300 coins available on our platform, enabling them to expand their cryptocurrency holdings across a broad spectrum of digital assets. **Please check [Volta Mobile App reviews](https://play.google.com/store/apps/details?id=com.xrpaynet.app) before INSTALLING.** *Certain users have reported instances of funds being lost when utilizing XRPayNet's Volta Wallet.*

### XRPayNet NFTs
[PAYET, RAGEYET & XR-GEMS NFT](https://xrpaynet.com/nfts/payet/) is an exclusive collection featuring characters from "The Lore" series, created by renowned artist Sumi [Stik](https://xrpstik.com/). This collection offers a diverse range of NFT tiers, including Original, Head, Art, Epic, Custom, Legendary, and XR-GEMS, each with its own unique features and bonuses. Collectors can choose from various tiers based on their preferences and interests. These NFTs come with benefits such as virtual and physical debit cards, XRPayNet token rewards, different Richlist values, and floor values. Some NFTs can be earned through special promotions or events, while others are available for purchase through auctions. With its limited availability and the reputation of [xSTIK NFT](https://twitter.com/xrpstik) collections selling out, PAYET, RAGEYET & XR-GEMS NFT presents an enticing opportunity for collectors and fans of exclusive digital art.


The "[FLAGS OF THE WORLD NFT](https://xrpaynet.com/nfts/flags/)" project offers a unique collection of NFTs created by artist Paul Smidt of Kunstbrug, the world's first physical NFT art gallery. Each NFT features meticulously crafted, textured renditions of various country flags, allowing collectors to own both digital and physical representations of their chosen flags. This collection aligns with XRPayNet's mission of inclusivity and accessibility within their payment system, making it a meaningful way for collectors to express patriotism. Physical artwork delivery is available, with an option to display pieces at [Kunstbrug](https://www.kunstbrug.com/) gallery in the Netherlands. The collection's exclusivity, connection to a renowned artist, and its alignment with XRPayNet's values make it an appealing choice for collectors. The auction for these NFTs takes place on [onXRP.com](https://onxrp.com/).




### What purpose does XRPayNet (XRPayNet) serve?
XRPayNet is a pioneering cryptocurrency payment solution designed to bridge the gap between the crypto and fiat worlds. It offers consumers the ability to spend their cryptocurrencies through cards and a mobile app, while businesses receive payments in their preferred traditional fiat currency. This seamless conversion of crypto to fiat addresses the volatility concerns associated with digital assets and opens up a world of possibilities for the 300 million crypto holders. XRPayNet aims to make cryptocurrency adoption and everyday transactions more accessible, practical, and secure, providing a unique native coin, XRPayNet, for its ecosystem. With a team of experienced founders and a commitment to transparency, XRPayNet is poised to redefine financial transactions and contribute to the widespread adoption of cryptocurrencies.


### Founder Accusations
[XRPHenry](https://twitter.com/XRPHenry/status/1707794269531001322) has issued a cautionary warning on Twitter regarding XRPaynet, urging potential investors to conduct thorough due diligence. XRPHenry also hinted at a [questionable history](https://twitter.com/XRPHenry/status/1707794269531001322/photo/3) associated with Kristian Polischuk, an individual linked to XRPaynet. Attached were reviews alleging theft and non-delivery of services attributed to Kristian Polischuk. These reviews raise significant concerns about the integrity of the investment opportunity and the individual involved, emphasizing the need for careful research and consideration before engaging in any financial transactions.

### XRP2
[XRP2](https://xrpl.to/token/xrpaynet-xrp2) was the original name for the XRPayNet token and it was marketed for peer to peer use.
"XRP is for bank and government use. XRP2 for the peer to peer and everyday transaction market"
After community backlash and [hiring attorney Jeremy Hogan](https://twitter.com/XRPayNet/status/1468342266720837636) as an advisor to the XRP2 project. The [XRP2](https://xrpl.to/token/xrpaynet-xrp2) name was changed and a [token swap](https://twitter.com/dontellmamapa/status/1470986249968427008) was performed.

### XRPayNet Company
According to the UK Global Database, [XRPAYNET GLOBAL LIMITED](https://uk.globaldatabase.com/company/xrpaynet-global-limited) currently has two individuals with significant control. One of the primary shareholders of XRPAYNET GLOBAL LIMITED is PATRICK AMADIEU, who possesses **2 ORDINARY shares** with a combined worth of **2 GBP**, and KRISTIAN POLISZCZUK, who holds **3 ORDINARY shares** valued at a total of **3 GBP**.

### Related Pages:
Read more about. [XRPayNet](https://medium.com/@XRPayNet)

Learn more about [XRPayNet NFTs](https://xrpaynet.com/nfts/).

Visit [XRPayNet website](https://xrpaynet.com/).

Get phone insurance [powered by XRPayNet](https://staging.wearesosure.com/reward/xrpaynet/XRPAY10)


### XRPayNet Tokenomics
XRPayNet Tokenomics refers to the economic structure and distribution of the XRPayNet cryptocurrency token (XRPayNet) within the XRPayNet ecosystem. Tokenomics encompasses various aspects such as token supply, distribution, utility, and governance. Here are the key components of XRPayNet Tokenomics:

**Total Token Supply:** The total supply of XRPayNet tokens is 50,000,000,000 (50 billion).

**Token Sale:** Only 10% of the total supply, which is 5,000,000,000 (5 billion) XRPayNet tokens, was allocated for the initial token sale that took place from December 2021 to February 2022.

**Wallet Contingency:** A portion of tokens, equivalent to 9% of the total supply, is reserved for wallet contingency.

**Liquidity Pools:** 9% of XRPayNet tokens are allocated to liquidity pools.

**Team and Consultants:** 16% of the total token supply is allocated to the team and consultants working on the XRPayNet project.

**Advisors and Third-Party Partnerships:** An allocation of 16% is dedicated to advisors and third-party partnerships.

**Escrow Tokens:** An allocation of 65% of the total supply will be placed on escrow. The XRPayNet Token Escrow is a mechanism designed to securely manage the release of XRPayNet (XRP) tokens over time. These tokens are gradually released at a rate of **250,000,000 tokens per month**, primarily for trading on cryptocurrency exchanges. The controlled release schedule helps maintain a stable token supply and avoids sudden market fluctuations. Additionally, the release may be adjusted based on market conditions to ensure responsible token distribution. This escrow mechanism supports XRPayNet's mission to facilitate cryptocurrency payments and bridge the gap between crypto holders and businesses while promoting long-term project sustainability.

**Token Network:** XRPayNet is built on the XRP Ledger (XRPL), a decentralized blockchain platform.

**Token Name:** XRPayNet

**Token Ticker:** XRPayNet

It's important to note that the distribution and allocation of tokens can play a crucial role in the project's success and ecosystem development. The XRPayNet Tokenomics is designed to support the XRPayNet project's objectives, including facilitating cryptocurrency payments and bridging the gap between crypto holders and businesses. The distribution of tokens to various stakeholders, including the team, advisors, and liquidity pools, is intended to ensure the project's sustainability and growth.


### How Many XRPayNet Are There in Circulation?
There is an initial maximum supply of 29,997,311,208 XRPayNet tokens, of which an estimated 1,765,524,490 XRPayNet are currently in circulation as of September 2023. Most of the XRPayNet circulating supply was sold to the [XRPL community](https://xrpl.org/) through an IDO. 

### Where Can You Buy XRPayNet?
[XRPayNet](https://xrpl.to/token/xrpaynet) is a token trading on the XRP ledger DEX, the most straight forward way to acquire XRPayNet tokens would be to purchase them through [XRPL DEX](https://xrpl.to/token/xrpaynet/trade).

If you are looking for alternative exchanges where you can purchase XRPayNet, [Bitrue](https://www.bitrue.com/home/) is a good choice. Keep in mind that investing in cryptocurrency can be risky, just like investing in any other type of asset. 


### How to stay tuned for further updates?
If you wish to receive more updates about the XRPayNet ecosystem, we suggest you follow [@XRPayNet](https://twitter.com/XRPayNet) on Twitter.