FMPAY is a blockchain-based wallet system. It addresses two key cryptocurrency issues – cumbersome transactional processes and slow transfers while retaining the advantages of anonymity and convenience of transfers. Through FMPAY system, users can withdraw, utilize, or make purchases with cryptocurrencies in real-time globally via its virtual bank and card feature. It can also facilitate worldwide cross-border transactions. FMPAY features a multi-cryptocurrency wallet, virtual bank account/card, and cryptocurrency swap backend system. [Whitepaper](http://whitepaper.fmetoken.io/images/FME-Whitepaper-ENG-V2.pdf)
