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Decentralised Banking Future

CRPT Rating: 2.1

  • Team & Advisory Board
  • Product & Research
  • Idea
  • Marketing
  • Investors Security
View Detailed Rating Website Whitepaper

HEdpAY is a ground-breaking project that stems from the vision of a team of experts. The project will revolutionize the banking system that regulates the financial industry as we know it. HEdpAY will create a bank that has the capacity to directly address clients and meet their need on peer to peer bases, adopting new perspectives and encouraging multiple development possibilities. HEdpAY will offer a complete set of banking and financial services based on the innovative blockchain technology. The first token with ICO price protected thanks to bonuses. The Hdp token is the first token that in the Family & Friends and pre-ICO phase will not be offered with discounts or rebate campaigns. Anyone who will have access to token distribution first, will have the advantage of getting free tokens. These tokens will be disbursed in phases within 3-6 months after the end of the ICO in order to protect their value for the further benefit of their owners. HEdpAY will offer specific service advice and the possibility to use the token in online and off-line shops.

Token Sale: 09 July — 30 November
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CRPT Rating (?) : 2.1


  • Team & Advisory Board
    • TEAM (1.7)
      • Leading Technological Experts (1)
      • Project Leader (2)
      • Development Team lead (1)
      • Marketing Lead (1)
      • Specification of experts work (1)
      • Experts Experience of in their spheres (3)
      • Presence of all necessary experts (1)
    • Advisory Board (3.0)
      • Popularity of advisors (3)
      • Expertise of advisors to the project profile (3)
  • Product Description & Marketing Research
    • Product Description (2.1)
      • Roadmap (1)
      • Detalization of product description (2)
      • Regularity of github commits (2)
      • Presence of product beta version (3)
      • Token description and role (2)
      • Discounts on goods and services (1)
      • Possibility of the project management via dao (3)
      • Devidents reception from tokens (2)
      • Buyout of tokens from investors (1)
      • Commision for tokens usage (2)
      • Profit calculation is present and adequate (3)
      • Financial plan detalization (2)
      • Tokens spending ratio (1)
    • Marketing Research (2.0)
      • Lack of competitors (2)
      • Lack of ready made products (2)
      • Presence of technological advantages (2)
      • The amount of financing attracted by competitors (3)
      • Dynamics of competitors growth (3)
      • Jurisdiction research (1)
      • Legal disclaimer for duties and obligations (2)
  • Idea (2.2)
    • Adequacy of the idea (1)
    • Originality of the idea (3)
    • Value of the idea for the community (3)
  • Marketing (2.2)
    • Website (2)
    • Social networks (3)
    • Marketing plan (2)
    • Marketing team (3)
    • Public presence of the team (1)
  • Investors Security (1.7)
    • Daico (2)
    • Decentralized escrow (1)



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