LYOPAY is a fintech organization managed by DIGILYO APP LTD, with administrative offices in Hong Kong and operational offices in over 7 countries. The LYOPAY ecosystem can be accessed through more than 14 platforms, providing users with intuitive and simple tools for transacting, storing, and using cryptocurrencies. LYOPAY aims to promote mass adoption of cryptocurrencies, act as a bridge between fiat and cryptocurrency worlds in a legal and safe manner, and provide easy access for newcomers through its complete ecosystem. The ecosystem combines services from various financial partners across different countries, enabling faster global expansion. LYOPAY operates in compliance with KYC, AML, and European General Data Protection regulations, ensuring transparency and safety for customers and their funds. LYO Credit is a token within the LYOPAY ecosystem that can be used to pay commissions and incentivize the community of platform users. It is based on the Binance Smart Chain protocol and facilitates transactions and records balances within the LYOPAY ecosystem.