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bnpl BNPL Pay #2308
0.00 USD -3.02% 0.00
0.00 0.00
Circulating supply 424M
Total supply 1B
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bnpl Price

Current Price 0.00 USD
Price Change 24H 0.00 USD
Price Change 24H -3.02%
Price Change 7D 0.48%
Price Change 14D -44.28%
Price Change 30D -67.92%
Price Change 60D -54.56%
Price Change 1Y -98.56%
Market Cap Change 24H -14,742.5
Market Cap Change 24H -3.29%
All time high (ATH) 0.12 USD
ATH Change -99.14%
ATH Date 2021, Nov 10

bnpl Markets

Last price: 0.00 USD
Last price: 0.00 0XC02AAA39B223FE8D0A0E5C4F27EAD9083C756CC2
Spread: 0.62%
24H Volume:
510.7 USD
Last price: 0.00 USD
Last price: 0.11 0X69FA0FEE221AD11012BAB0FDB45D444D3D2CE71C
Spread: 0.65%
24H Volume:
122.5 USD

* Anomaly - Trading price is an outlier against the average

** Inactive - No trades in the last 3 hours


BNPL Pay is a decentralized lending protocol that puts credit in the hands of those who need it the most, namely, those who cannot meet the requirements to take on collateralized loans. To that end, we have created the BNPL Pay Protocol, an uncollateralized lending platform that services such a need. We tackle the counterparty risk associated with uncollateralized borrowing through a distributed network of Banking Nodes. Our system delegates the tasks of credit checks, risk assessment and other due diligence requirements to pool operators, and creates a set of incentive structures that reward and punish these operators based on performance.

Banking Nodes manage pools of liquidity, and have the autonomy to delegate these funds to potential borrowers in the parameters they see fit, while lenders can choose an operator that suits their risk-reward preferences to conduct interest bearing activities based on fully transparent data. Borrowers can apply for credit from any or all Bank Nodes, and if approved, are issued loans on fully customizable and agreed upon terms.

Unlike established protocols within DeFi, uncollateralized borrowing presents an entirely new avenue of risk that is yet to be tackled within blockchain networks, namely, counterparty risk. BNPL Pay seeks to address this risk by delegating the tasks of credit checks, risk assessment and other processes conducted by traditional credit facilities to our node operators. With this, node operators lie at the heart of our protocol, and connect lenders with borrowers.

The BNPL token is the governance token within the BNPL Pay protocol and has multiple utility functions including bonding a banking node and staking banking nodes as a form of insurance in the event of a default.