PointPay Crypto Exchange Review 2025: Features, Fees, and Staking
David Wallace 8 October 2025 3

PointPay Staking Calculator

Estimate your potential earnings from staking PXP tokens on PointPay. Adjust the parameters below to see how much you could earn annually.

Estimated Staking Returns

With a $1,000 investment for 6 months:

  • Annual Percentage Yield (APY): 16%
  • Expected Annual Return: $160
  • Expected Return After Lock Period: $1,160

* Returns are estimates and may vary based on market conditions and platform policies.

Quick Takeaways

  • PointPay combines a crypto exchange with a full‑stack banking suite, serving over 3million users in 200 countries.
  • Interest‑earning accounts deliver up to 8%APY on stablecoins, while the native PXP token offers staking rewards that can reach 20% per year.
  • Trading fees are among the lowest in the market, but exact percentages are not publicly disclosed.
  • EU‑licensed through its Lithuanian subsidiary, giving the platform a solid regulatory footing in Europe.
  • Roadmap includes a DEX module and crypto debit card, positioning PointPay as a hybrid CEX‑DEX player.

If you’re hunting for a crypto platform that does more than just spot‑trading, this PointPay review breaks down the ecosystem, fees, safety, and how it compares with the big names.

What Is PointPay?

PointPay is a multi‑service crypto banking platform launched in 2018 that offers a regulated exchange, digital wallet, interest‑bearing accounts, and a native token called PXP. Headquartered across St.Vincent&theGrenadines, Estonia, and Lithuania, the platform now supports more than 3million active users worldwide.

Core Services in One Ecosystem

  • Exchange: Classic, Advanced, and Quick Exchange interfaces for traders of all skill levels.
  • Banking: Checking and Savings accounts that pay up to 8%APY on popular stablecoins (USDT, USDC, DAI).
  • Staking: PXP token holders can lock assets for 3,6, or12months and earn up to 20%annual yield.
  • Lending: Instant crypto‑backed loans using seven major coins, with USDT as collateral.
  • Wallet: Email‑transfer capable wallet with real‑time valuation and multi‑account segregation.

Trading Interface and Order Types

The exchange supports market, limit, and stop‑limit orders. Liquidity is described as “high” with an average daily volume of $401,900 on the PXP/USDT pair. Execution speeds are sub‑second on the Classic and Advanced panels, while the Quick Exchange offers a one‑click conversion for beginners.

Trader locks PXP token into vault, showing 20% APY and stablecoin rewards.

Fees and Liquidity

PointPay claims “some of the lowest trading and withdrawal fees”, but the exact schedule is hidden behind the user dashboard. Based on user reports, maker fees sit around 0.09% and taker fees near 0.12%. Withdrawal fees are flat‑rate for major coins (e.g., 0.0005BTC, 1USDT). The platform’s multi‑jurisdictional model reduces the need for costly intermediaries, which helps keep costs down.

Staking and Earn Products

Beyond the native PXP token, PointPay’s Earn accounts let users lock stablecoins at up to 8%APY. PXP staking is tiered: 3‑month lock yields 12%, 6‑month yields 16%, and 12‑month peaks at 20% for larger deposits. The rewards are paid in PXP, reinforcing the token’s utility within the ecosystem.

Regulatory Landscape

The Lithuanian subsidiary UAB Point Pay EU holds an official EU digital‑asset license, providing regulatory compliance for European users. The Estonian operation adds an additional layer of AML/KYC compliance, while the St.Vincent&theGrenadines incorporation grants operational flexibility for global reach.

Security and Customer Support

Security is described as “state‑of‑the‑art” with multi‑signature wallets, cold storage for the majority of assets, and two‑factor authentication on all accounts. Although specific certifications (e.g., ISO 27001) aren’t listed, the platform’s live chat, email, and ticket‑based support have a 4.8/5 average on Trustpilot from 559 reviews, indicating strong user satisfaction.

User Experience and Reputation

PointPay’s UI is clean and mobile‑responsive. New users can purchase crypto with debit/credit cards in USD, EUR, or GBP, and the platform offers real‑time price feeds. The Trustpilot rating of 4.8 suggests a positive overall experience, though deeper community sentiment on Reddit or specialized forums is limited.

Futuristic city scene with PointPay debit card and holographic DEX interface.

Roadmap: DEX and Crypto Debit Card

Looking ahead to 2025‑26, PointPay plans to launch a decentralized exchange (DEX) module featuring AMM pools and hybrid CEX‑DEX interoperability. A crypto debit card is also slated for release, allowing users to spend fiat‑equivalent balances at merchants worldwide.

How PointPay Stacks Up Against the Big Players

Feature Comparison: PointPay vs. Major Exchanges
Feature PointPay Binance Kraken Coinbase
Year Launched 2018 2017 2011 2012
Supported Assets 200+ (incl. fiat) 500+ 200+ 200+
Staking APY (max) 20% (PXP) 12% (varies) 14% (varies) 7% (varies)
Regulatory License EU (Lithuania) + SVGD None (self‑regulated) FinCEN, EU NY DFS BitLicense
Typical Maker/Taker Fee 0.09% / 0.12% 0.10% / 0.10% 0.16% / 0.26% 0.50% flat
Interest‑Bearing Accounts Up to 8%APY on stablecoins Earn (limited) Staking only No

Pros and Cons

  • Pros
    • All‑in‑one banking + exchange.
    • EU license adds regulatory confidence.
    • High staking rewards for PXP.
    • Low maker/taker fees compared with many rivals.
  • Cons
    • Fee schedule isn’t fully transparent.
    • Security certifications not publicly listed.
    • Community chatter limited - harder to gauge long‑term sentiment.
    • DEX and debit card still in development.

Final Verdict

PointPay positions itself as a crypto‑bank rather than just a trading venue. For users who want to earn interest, stake a native token, and enjoy a regulated environment, it offers a compelling package. Traders who prioritize ultra‑low fees and deep liquidity may still prefer Binance or Kraken, but PointPay’s banking‑focused features fill a niche that many exchanges ignore. Keep an eye on the upcoming DEX and debit‑card rollout - those could turn PointPay into a true one‑stop crypto financial hub.

Frequently Asked Questions

Is PointPay regulated in the United States?

PointPay does not hold a specific U.S. money‑transmitter license. It operates under an EU digital‑asset license through its Lithuanian subsidiary and relies on partnerships for fiat on‑ramps. U.S. users can access the platform, but they should be aware that the regulatory framework is European, not American.

How does PXP staking work?

After purchasing PXP, you can lock the tokens for 3,6, or12months. The platform pays rewards in additional PXP, with rates increasing the longer you lock and the larger the amount you stake. Early‑withdrawal penalties apply, so plan your lock period carefully.

Can I use a credit card to buy crypto on PointPay?

Yes. PointPay supports debit and credit card purchases for USD, EUR, and GBP. The process involves a simple KYC check, and the exchange rate includes a small markup that varies by region.

What security measures protect my funds?

The platform uses cold storage for the majority of assets, multisig wallets for withdrawals, and mandatory two‑factor authentication (2FA). While they haven’t published formal certifications, user reports indicate no major security breaches to date.

When will the PointPay DEX be live?

The roadmap targets a Q42025 launch for the DEX module, with a phased rollout of AMM pools followed by hybrid CEX‑DEX features.