HEdpAY is a platform dedicated to the creation of a community network based on purchasing power. HEdpAY will achieve this target by participating in the so-called token economy, issuing and employing the proprietary ERC20 token. The system will be funded on the “token-wallet-transfer” channel, Payment Gateway, creating an advantage and a surplus value compared to online “payments and transfers” employed by any other online bank in a traditional way, for all the reasons described above. The system will be optimized even more and will become more efficient in terms of cost/efficiency thanks to the implementation of a proprietary blockchain. HEdpAY tokens have been developed with the intent of giving members, clients and investors who will believe in the project and will take part in the growth of the ecosystem in the future, a better service with better prices and lower costs. This objective will be achieved through an incentive system linked to the distribution of tokens.