Openpay is an integrated payment crypto wallet on mobile, combining the strengths of both the crypto economy and the fiat economy to create a payment solution that allows users to experience the reality of cryptocurrencies through conventional financial tools such as apps and bank cards. Openpay forms a holistic framework through features like the Openpay Smart Wallet, multi-currency management, user-friendly design, and additional security layers, enabling users to seamlessly receive, hold, and utilize cryptocurrencies. OPY is Openpays utility token, based on the Ethereum blockchain and compliant with the ERC-20 standard. Its architectural design aims to achieve fast transactions, lower energy consumption, higher profitability, and enhanced security.