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Pre-ICO Paygine
1st April, 2018
TokenFest, San Francisco
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Download WhitePaper
Based on real business. Payment gateway solutions of Best2Pay:

Open Blockchain Financial platform
for Fintech and Crypto business

New stage of global banking evolution!
Soft Cap Almost Reached!
1 194 963.82 PGC848 424.31 USD
last update just now.
Connected with Paygine Platform
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Paygine, LLC
Address: 20 West 36th street, 12th Floor
New York, NY 10018

E-mail: [email protected]


Confirmed SEC
In the United States, PGC Tokens will be offered and sold only to accredited investors as such term is defined in Rule 501(a) of Regulation D pursuant to the exemption provided by Section 4(A)(2) of the Securities Act and Rule 506(c) of Regulation D promulgated there under.
You can view Paygine's Form D here
White Label model
Provide payment services to your customers under your own brand no matter how big or small your business is. Open API.

for everyone

P2P platform
& aggregators
E-wallets &
Systems of international
money transfers
Available services:
Download WhitePaper PDF-document that describes organizational
and technical structure of the project
Watch a video
about token

Clients and partners1

Platform that already functions
and processing center Best2Pay runs on

PCI DSS (Payment Card Industry Data Security Standard) Level 1 certificate reviewed and renewed annually
>$115 m
monthly turnover
Data centers
in the UK and Russia
Experienced team of developers that proved to be able to implement projects of any complexity
2 m
processed monthly

Download WhitePaper
of Paygine project

Download WhitePaper PDF-document
1.5 mb size


Plan for development
and route to international market

Stage I
Stage II
Stage III
IIChoose the next stage
to find more
transfer agents
Exchange Core
Money Transfer &
Original Credit
(including the USA)
Scoring & lending

Stage I
«Europe and Core System»

  • Total cost:
    $30 888 000
  • Implementation deadline:
    7-14 months

Implementation steps:

  • Buying banks: Paygine Bank Europe and Paygine Bank Caribbean
  • Implementation of core system, integration with accounting systems
  • Updating the peer-to-peer system, scaling
  • Adjusting existing payment gatewayto work with cryptocurrency
  • Global open API for all services + blockchain (Paygine DLT)
  • Development of operational documentation and AML procedures
  • Agreements and integration with world crypto exchanges
  • Entering the Payment Schemes + implementation and certification
  • Launching the card processing center (issuing and acquiring)
  • Registration of the Crypto Exchange and integration into Paygine system
  • Workflow management, changing banks team, opening additional correspondent accounts
  • Launching the crypto-wallet service
  • Launching merchant account product
  • Launching cards issuing for the wallet, virtual cards
  • Launching the Peer2Peer services on its own cards
  • Transfers from Europe to US and other countries
Full list

Stage II

  • Total cost:
    $9 312 000
  • Implementation deadline:
    6-24 months

Implementation steps:

  • Obtaining a MTL license in all US states
  • MT software, integration with external systems
  • Development of operational documentation and AML procedures
  • Global open API for all services + blockchain (union with Paygine Banks in one Paygine DLT)
  • Signing agreements and integration with major world cryptocurrencies Exchanges
  • Launching API for US-MX and US-EU transfers based on crypto-curency payment rail.
  • API Launch for transfers in each US state to the extent of MT license availability or entering into an agreement with local operating MT
  • Creating an infrastructure for receiving and providing cash
Full list

Stage III

  • Total cost:
    $3 254 000
  • Implementation deadline:
    6-24 months

Implementation steps:

  • Opening of Paygine Bank respresentative offices in Southeast Asia and in the US
  • Connecting representatives to the system Paygine core bank system
  • Global open API for all services + blockchain (uniting with Paygine Banks and MT(US) into one Paygine DLT)
  • Registration in the Payment Schemes + connection of offices to the central Paygine processing
  • Adjustment of operational documentation and AML procedures for new activity in the representative ofices
  • Closing of all cash flows of the platform in the banks of the Paygine group
  • Launching all services in Asia
Full list


Gary J Ross
Partner, Ross & Shulga PLLC
Gary J. Ross focuses his practice on securities law, venture capital and private equity, corporate governance, and general corporate matters. Gary represents private companies (at all stages), including those exploring blockchain/cryptocurrency opportunities, as well as angel investors and investment funds. Gary has extensive experience advising on SEC- registered and exempt capital markets transactions, including initial public offerings of common and preferred equity, debt offerings, and initial coin offerings. Gary regularly counsels registered and exempt investment advisers as to compliance issues. His experience also includes expert witness engagement in commercial litigation matters. Prior to founding Ross & Shulga PLLC’s predecessor firm Jackson Ross PLLC in 2013, Mr. Ross worked in the Capital Markets and Corporate Transactions & Securities practice groups at SidleyAustin LLP and Alston & Bird LLP, respectively. From 2009 to 2012, Mr. Ross served in the US Department of the Treasury, where he oversaw contractors and financial agents engaged bytheTreasury to provide asset management, advisory, and other services relating to the Troubled Asset Relief Program (TARP).
Arina Shulga
Partner, Ross & Shulga PLLC
Arina Shulga is a corporate and securities attorney with significant experience in start-up law, securities offerings and general business representation. She is experienced with advising small to midsize companies on formation, contract review and negotiation, private placement of securities, intellectual property matters, and internal governance issues. Before founding Ross & Shulga PLLC’s predecessor firm Shulga Law Firm PC in 2010, Arina spent seven years at Cleary Gottlieb Steen & Hamilton LLP.
Azat Nugumanov
Azat is a former director at Morgan Stanley Private Banking, based in New York. Priorto that he worked as a vice president at BNY Mellon’s Moscow office, where he was responsible for business development. Azat also cofounded the firm Aneta McCoyAdvisory. He has expertise in wealth management and experience in capital markets. He obtained a master’s degree in business administration from the University of Chicago Booth School of Business.
Anastasia Klimenko
Vice President
Anastasia Klimenko is an attorney practicing corporate and international law, mergers and acquisitions law, and litigation. She earned her master’s degree from Duke University School of Law and her bachelor’s degree in Civil Law from Moscow State Academy of Law. She is a member of the NewYork State Bar Association.
Djibril Diallo
Vice-President, TransferTo
Djibrill possess valuable experience for Paygine team related to mobile payments, remittances and product development for banks and telecom operators.
Byanmunkh Volodya
Director, «Truly Digital Bank»
In parallel with Paygine project, Byanmunkh is running “Truly Digital Bank” project in Mongolia, aiming to build first digital bank in Mongolia. Byanmunkh experience includes projects implementation in Central bank of Mongolia, Mongolian Stock Exchange and number of commercial banks. You can refer to his LinkedIn page for more details.
Salah Abci
Partner, Grant Thornton
Salah Abci is a professional holding partner position in Grant Thornton, Algeria. Salah has a demonstrated history of working in the financial services industry, including Central Bank of Algeria. Skilled in Negotiation, Risk Management, Corporate Finance and IFRS. Having strong entrepreneurship experience that is focused on Economics, Finance, Accounting and Banking he is helping Paygine team to build perfect platform for FinTech community.
Become an advisor
of Paygine
Send request

Project's team

Kirill Radchenko
CEO, Best2Pay and cofounder of Pay Engine Limited
Kirill Radchenko has been working as CEO of Best2Pay, one of the leading e-commerce gateways. He is responsible for the company’s main strategy and business development. Previously, Kirill worked for SEB Bank (SEB Group, Sweden) for over 6.5 years, first as head of its payment cards division, then as head of business development. Kirill has 13+ years of experience managing IT projects, business planning, and developing bank products at an international company. He has in-depth knowledge of the rules and regulations of VISA and MasterCard, and cards processing.
Michael Luposhtyan
Senior Vice President, Best2Pay and cofounder of Pay Engine Limited
Michael Luposhtyan was CEO of Pay Engine Limited, UK, until 2012. He has worked in businesses related to international payments since 2011. From 1993 to 2011, he worked in the international container transportation field, working in customs clearance and freight forwarding through the sea-trading port of St. Petersburg. He was also a general director at a customs broker, deputy director of a branch at a steamship company, and has held other positions.
Maxim Neshcheret
Business Development Director, Best2Pay Singapore
Maxim has 12 years of experience implementing large-scale, nation- wide financial solutions all around the world. Projects include implementation of national retail-payments solutions under central banks’ mandates, central depository systems for central banks and stock exchanges, and multiple projects for commercial banks.
Raniya Luposhtyan
Chief Financial Officer, Best2Pay, US, and cofounder of Pay Engine Limited
Raniya Luposhtyan has been a shareholder of Pay Engine Limited (Best2Pay) for the past five years. Raniya has more than 10 years of experience in consumer banking, with ABN AMRO Bank, Bank Renaissance Capital, and Banque Societe Generale Vostok, leading, implementing, developing, and maintaining credit initiation, customer service, and regional development. She also has five years of experience at Sberbank, in the banking transfers and credit cards group.
Alexander Petrov
Chief Technology Officer, Best2Pay Russia
Alexander Petrov has been working as director of cards technologies for one of the top 10 banks in Russia. He is responsible for the development of cards, acquiring, and e-commerce-related services, as well as for the operation of systems that those services function on. Previously, Alexander worked for Raiffeisenbank for over 10 years, first as head of processing and then as head of banking cards division. Alexander has 15-plus years of experience in cards, payments, and payment schemes.
Vitaly Furmanov
Senior Vice President, Best2Pay
Vitaly Furmanov, the founder of the processing company Best2Pay (Russia) and PayEngine Limited (UK). He was the head of IT companies more than 15 years. He has experience in banking. Since 2011 he works in business related to international payments.
high level


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What is cryptocurrency?

A cryptocurrency is a digital or virtual currency that uses cryptography for security. A cryptocurrency is difficult to counterfeit because of this security feature. A defining feature of a cryptocurrency, and arguably its most endearing allure, is its organic nature; it is not issued by any central authority, rendering it theoretically immune to government interference or manipulation.

Cryptocurrencies make it easier to transfer funds between two parties in a transaction; these transfers are facilitated through the use of public and private keys for security purposes. These fund transfers are done with minimal processing fees, allowing users to avoid the steep fees charged by most banks and financial institutions for wire transfers.

Should you invest into an ICO?

Initial coin offerings (ICOs) emerged a few years ago. Some projects have collected significant funds through ICOs yet have not fulfilled purchasers’expectations. On the other hand, there are also many positive examples. Given the significant amount of time required to implement ideas presented in ICO projects, it is still too early to make final conclusions for many ICO campaigns. What is clear is that significant risks exist in an emerging market like cryptocurrency, and purchasers should account for those risk and try to be informed about potential projects before committing.

Given the risks associated with ICO projects, it is worth asking the following questions when assessing their feasibility:

1. What kind of team is implementing the project? Has this team successfully implemented projects in the past? Do they have an operational business and a plan to develop it, or is there nothing more than an idea and the promise?

2. Does the ICO process comply with applicable laws and regulations?

3. Are the project advisers individuals who are well-known and care about their reputations?

4. Does the project roadmap define deadlines and include detailed descriptions for each step/stage? Does each project stage correlate with the amount of investment required for it, and does it give a clear picture of the project’s future, even in the case of incomplete fundraising?

5. Is there a detailed financial justification for the amount that project team plans to raise? Are these calculations available for download on the project’s website?

6. Quality support should be provided to the potential purchaser. Are there any support services available for the project throughout the pre-ICO and ICO period, as well as in subsequent phases of the project?

7. Is there a smart contract based on blockchain technology that protects purchasers’interests? Is it publicly available on the project’swebsite, aswell as atgithub.com?

8. Does the financial model of the token sale violate applicable laws and does it stipulate obvious benefits for the purchaser?

If you answered NO to at least one of these questions, perhaps you should reassess your commitment to participate in an ICO.

If you answered NO to at least one of these questions, perhaps you should reassess your commitment to participate in an ICO.

What is Paygine?

Paygine is an open financial platform designed to help business and its customers to use the cryptocurrency intheir everyday life as ordinary money. The platform model is based on its own banks based in the different countries, and in jurisdictions comfortable for cryptocurrency usage. The platform will be based on the existing and most advanced solutions of PayEngine LTD (registered in the UK) company that are currently used in the fintech world.

Who are our clients?

Our potential clients are fintech companies, banks and other business who provides its services to the end customers.

Who is providing legal counsel to Paygine LLC?

Ross & Shulga PLLC is providing legal counsel to Paygine with regards to the structuring of its ICO, regulatory compliance and related paperwork. Ross & Shulga is a corporate and securities law firm that provides advice related to investment funds, securities offerings, general counsel services, cryptocurrency and crowdfunding.

Does Paygine have prior experience with financial services?

Certainly. The founding team at Paygine is the same team who built Pay Engine Limited. Pay Engine Limited is an international payment processing company founded in 2012 in the UK by experts from the banking sector, with experience successfully implementing projectsat American Express, SEB, BankSt-Petersburg, Sberbank, Renaissance Credit, ABN-AMRO and RBS. Pay Engine Limited used its expertise to create theBest2Paybrand and the Best2Transfer bank loan repayment platform. Today, Best2Pay is used by businesses in fintech, e-commerce, and beyond to provide their services to more than 1.5 million individuals every month, and the number of end-customers who use our platforms is increasing by 34% every month.

What is Paygine’s business plan?

Paygine is developing an open financial platform based on the Best2Pay payment gateway solutions (the “Platform”).

Our goal is to build an open financial platform to serve fintech businesses around the world, providing services based on white label principles. All services on the Paygine platform will be provided to clients through a single Application Programming Interface. We will not provide services directly to individuals.

Instead, we will work with fintech companies, internet shops and services, as well as aggregator sites, and they in turn will provide services to their customers—individuals and businesses — there by creating a completely new ecosystem around the Platform. Paygine does not aim to develop an electronic wallet, a crypto-wallet, bank cards, transfers, and so on under its own brand.These products would be built by our customers under their own brands, and private individuals and businesses will be able to choose services from among Paygine’s clients.

When does the Pre-ICO finish?

Pre-ICO finishes on February 28, 2018. Early termination is possible upon reaching the hard cap of 3 000 000 USD.

How can you use PGC tokens?

A PGC token is the key to the use of the Paygine Platform. Once we have a functional ecosystem, PGC tokens will have various uses and applications in connection with the Platform. For example, PGC tokens can be used to pay the Platform for its services, pay for goods and services provided by the Platform’s clients, and as an internal currency on the Platform.

Under which laws will the sale of tokens be conducted?

Offers and ales of PGC tokensare being conducted inin the United States in reliance on Rule 506(c) of Regulation D promulgated under the Securities Act. Form D is available at the following link: https://www.sec.gov/Archives/edgar/data/1724831/000172483117000002/xslFormDX01/primary_doc.xml

Can I invest in the PGC Token Pre-Sale?

Yes. Our pubic Pre-Sale is scheduled to launch on December 26, 2017, and will be limited $3 million. Please see our Terms and Conditions for important disclosures about who can invest.

Is there a minimum investment amount?

Yes. The minimum investment amount is $100.

Can U.S. citizens and residents invest?

Yes. U.S. citizens and residents can invest so long as they meet the requirements described in our Terms and Conditions, which require U.S. investors to be “accredited,” among other things. Prior to making the payment, all purchasers are directed to an independent platform VerifyInvestor to verify their accredited investor status. Also, we will not be accepting any payments from New York residents.

Who are «accredited» investors?

The definition of accredited investors is found in Rule 501(a) of Regulation D promulgated under the Securities Act of 1933 and includes:

(i) Any bank, as defined in Section 3(a)(2) of the Securities Act, or any savings and loan association or other institution defined in Section 3(a)(5)(A) of the Securities Act, whether acting in its individual or fiduciary capacity; any broker-dealer registered pursuant to Section 15 of the Exchange Act; any insurance company, as defined in Section 2(13) of the Securities Act; any investment company registered under the Investment Company Act of 1940 or a business development company, as defined in Section 2(a)(48) of that Act; any Small Business Investment Company licensed by the United States Small Business Administration under Section 301(c) or (d) of the Small Business Investment Act of 1958; any plan established and maintained by a state, its political subdivisions or any agency or instrumentality of a state or its political subdivisions for the benefit of its employees, if such plan has total assets in excess of $5,000,000; and any employee benefit plan within the meaning of the Employee Retirement Income Security Act of 1974, if the investment decision is made by a plan fiduciary, as defined in Section 3(21) of such Act, that is either a bank, savings and loan association, insurance company or registered investment advisor, if the employee benefit plan has total assets in excess of $5,000,000 or, if a self-directed plan, with investment decisions made solely by person(s) that are accredited investor(s);

(ii) Any private business development company as defined in Section 202(a)(22) of the Investment Advisors Act of 1940;

(iii) Any organization described in Section 501(c)(3) of the Internal Revenue Code of 1986, as amended, any corporation, Massachusetts or similar business trust, or company, not formed for the specific purpose of acquiring the Common Stock, with total assets in excess of $5,000,000;

(iv) Any director or executive officer of the Company;

(v) Any natural person whose individual net worth, or joint net worth with that person’s spouse, exclusive of the value of the person’s primary residence net of any mortgage debt and other liens, at the time of his or her purchase exceeds $1,000,000;

(vi) Any natural person who had an individual income in excess of $200,000, or joint income with that person’s spouse in excess of $300,000, in each of the two most recent years and who reasonably expects to reach the same income level in the current year;

(vii) Any trust with total assets in excess of $5,000,000, not formed for the specific purpose of acquiring the securities being issued, whose purchase is directed by a sophisticated person as described in Rule 506(b)(2)(ii) of Regulation D; or

(viii) Any entity all of whose equity owners are accredited investors.The term “net worth” means the excess of total assets over total liabilities, exclusive of the value of your primary residence net of any mortgage debt and other liens. In determining income, you should add to your adjusted gross income any amounts attributable to tax-exempt income received, losses claimed as a limited partner in any limited partnership, deductions claimed for depreciation, contributions to an IRA or Keogh retirement plan, alimony payments and any amount by which income from long-term capital gains had been reduced in arriving at adjusted gross income.

Are there any investors/regions that are restricted from investing?

Yes. Currently, a few countries have restrictions that prevent their citizens from investing in ICOs. Those countries include, but are not necessarily limited to, China and South Korea. Also, we will not be accepting any payments from New York residents. Further, those who are deemed to be “Prohibited Investors” as defined in the Terms and Conditions may not participate in this Pre-Sale. If you have specific questions about your ability to invest, please contact legal counsel in your country for advice regarding investing in ICOs. Additional information can be found in our Terms and Conditions regarding investor requirements and eligibility.

How does pricing work in the Pre-Sale?

Public Pre-Sale investors will be able to purchase PGC Tokens at $1.00.

Is there a cap?

Yes. Only 3,000,000 PGC Tokens will be made available in the Pre-ICO.

What is the bonus program?

All investors in this PGC Token Pre-Sale will receive 40% more PGC Tokens than at Paygine’s subsequent sale once the Platform has full functionality.

Is there an individual contribution cap during the PGC Token Pre-Sale?


Where is the issuer of the ICO based?

Paygine LLC is a Delaware limited liability company. Its office is located in New York City.

Is there a lock-up for the founders?


Is there a restriction on the use of PGC Tokens once purchased?

Yes. Purchasers will not be able to use PGC Tokens on the Paygine Platform until its successful completion. After the completion of the Platform PGC Tokens may be transferred only in compliance with the Terms and Conditions and applicable laws and regulations.

What is KYC/AML?

KYC (“Know Your Customer”) and AML (“Anti Money Laundering”) are procedures designed to protect financial institution services from being used for purposes of money laundering and financing of criminal activities. Every potential Paygine investor is required to apply for such verification prior to investment regardless of their location and status.

More about KYC and AML procedures can be found here.

How long does verification take?

Account verification can take up to 72 hours, though it is usually much faster. You can see the status of your verification status here.

Please contact Paygine’s Team https://verifyinvestor.com/contact with any verification specific inquiries.

I have invested in Cryptocurrency before and was not required to provide any documentation, why do I need provide it now?

Paygine is a U.S. company that is offering PGC tokens for purchase to U.S. purchasers. Such offering must comply with the existing U.S. securities laws. Investor documentation is required to ensure such compliance. The Paygine team is highly appreciative of efforts by PGC token purchasers to comply with applicable law.

What can I use to buy PGC tokens?

During the pre-ICO period you can buy PGC tokens for ETH, BTC and USD.

When will I get my PGC tokens?

If you pay in ETH you will get PCG token immediately. If you pay in BTC or USD - not later than 48 hours.


25-26 April 2018
Blockchain Nation Conference
15-16 March 2018
Token Fest
16-18 February 2018
The BTC, ETH & Blockchain SuperConference
13-14 February 2018
Money Live Indonesia
30, 31 January 2018
Paris Fintech Forum
27th January 2018
WBC Summit
18th January 2018
13-17 November 2017
Singapore Festival Fintech