HEdpAY is a project created by the company IBIG Investments Ltd Company founded in 2014 operating in the financial services sector. In 2017 HEdpAY was conceived, as the heart of our project. HEdpAY Ltd was incorporated in London (United Kingdom) and is at the same time a virtual currency, an innovative transfer between cryptocurrency and fiat currency (euro, dollar, pound) and payment platform. HEdpAY was created to be the first and most authoritative financial structure to allow users to transfer in a fast manner and safe your own Fiat currency in cryptocurrency and, at the same time, offer transparency with the following services: current account, debit card, Exchange, POS. HEdpAY also allows you to create your own proprietary Blockchain providing information and protection services to users, selecting insertion of their coins already present on the market and inserting them in HEdpAY Exchange. HEdpAY supports entrepreneurs in the initial phase of new projects (ICO), selecting them and allowing to use protocols to protect the investors and themselves. HEdpAY will therefore be the first bank to create funds in cryptocurrency, proposing a basket of coins portfolio. In order to make the currency stable and solid HEdpAY is the first project provides bonuses, rather than discounts, in the initial phase, which will be disbursed 3 and 6 months after the ICO expires. Our currency can be used by all users and spent both in e-commerce and in stores thanks to the exclusive POS: the merchant will be able to transfer it in real time through our bank to your current account and change it into fiat currency. Unlike traditional banks, in addition to financial services we provide marketing advice for companies. HEdpAY will open stores all over the world to make the world of cryptocurrencies better known to the traditional consumer. The success of the project will be guaranteed through decentralized, diversified, global coverage services on cryptographic currencies and on exchange currencies. The security of operations will be guaranteed by expert agents who will manage the client according to the risk assessment and KYC compliance systems.