PointPay is creating an entirely new product that combines three services in a single closed-loop ecosystem: The PointPay Cryptobank, the PointPay cryptoexchange platform, and the PointPay Multi-currency Wallet. Our work, which enables potential customers living around the world to use the Internet to enjoy our payment tool services, is the ERC-20 standard PXP utility token, which is created by PointPay based on the Ethereum platform and is the core token of the blockchain system. First, the solution combines these three services in one ecosystem; Second, it will make PXP tokens valuable assets in demand by the cryptocurrency market.