• Country Cyprus
  • CategoryPayments/ Pull Payment Protocol

A free blockchain pull payment protocol that makes crypto billing accessible to every business.

Project stage

Only a whitepaper

Detailed description

As high-volume transaction experts, we are well-aware of the fact that credit cards, the foundation of online billing and payments, were never fully adapted to the world of digital trade. We’ve experienced firsthand the issues merchants face daily thanks to an outdated system of transaction processing. It didn’t take much for us to see the potential of blockchain to solve these problems. 

Main mission is to modernize payment processing systems and lay the foundations for a thriving cryptocurrency economy built on the PumaPay Pull Payment Protocol. The Protocol is designed to:

  • Standardize and enable comprehensive payment methods over the blockchain
  • Decentralize the billing layer and save substantial intermediary costs for merchants
  • Increase the use of cryptocurrency both online and offline and facilitate it as a standard means of payment
  • Enable powerful launch partners to disrupt their industries by creating a decentralized version of their platforms


The introduction of Bitcoin as an electronic cash system in 2009 was the first step towards a modern online payment solution. Bitcoin was originally designed to adress trust issues and to optimize security: but at the expense of scalability, speed and cost. 

As a result, Bitcoin in its current construct is unable to offer flexible processing solutions for most of the current online billing methodologies. None of the cryptocurrencies that were introduced over the past few years has provided a comprehensive payment solution that allows crypto holders to utilize their cryptocurrencies as a means of payment. 

Cryptocurrencies are far too underdeveloped to complete at scale with payment cards, they suffer from poor acceptance by ,erchants mostly due to their complexity of usage and they do not support transactions that are more sophisticated than a simple 'push' transaction.

There is a real need for a payment infrastructure that is built to serve merchants, not exploit them. A system that is built from the ground up for the digital era and that is as scalable, flexible and accessible as payment cards, abscent their inherent flaws and disadvantages. Blockchain technology offers a great opportunity to create such a system for the benefit of merchants and consumers alike. 


PumaPay paves the way for token economy by providing merchants and shoppers with a reliable and simple solution to pay with and get paid in cryptocurrencies. The PumaPay ecosystem grows organically, with more business from different sectors adopting the PMA token as a means of payment. Attracting their partners, suppliers, and affiliates to join the PumaPay ecosystem, they strengthen it and increase the PMA token usability within their business network and beyond.

Transcending industries, the PumaPay solution has the potential for widespread adoption and the ability to turn the PMA token into the de facto means of value transfer between customers and merchants as well as between businesses.


Reduced Costs
PumaPay is an open-source payment protocol that cuts payment processing fees. It is and will always remain free.

No Chargebacks
As a blockchain-based solution, PumaPay makes all transactions final and irreversible. Forget about chargebacks.

Expand Market Share
Implement PumaPay and become part of the PumaPay Pride online directory! It's a great way to attract crypto holders to your business.

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Additional links

  • Token details

    • Token symbol ? Token symbol — a shorten token name. It is used during an ICO and after the coin listing at the cryptocurrency exchanges. : PMA
    • Fundrasing target ? Fundraising target — the maximum amount of funds to be raised during an ICO. When it is reached, the developers stop selling the tokens because they do not need to raise more money for the project development. : 150,000,000 USD
    • Token type ? Token type — a platform for a startup launch that influences the stability of blockchain operation, the speed of transactions and the fees. :Ethereum (ERC223)
    • Soft cap ? Soft cap — the minimum amount of funds to be raised for the project development. Sometimes when the soft cap has not been reached, the money is returned to the participants. :20,000 ETH
    • Role of token ? Role of Token — type of token depending on the opportunities it offers to its owner. Utility tokens give their owners a right to use the project services, security tokens are aimed at bringing profit, and currency tokens are a money substitute. :Utility token
    • Total supply ? Total supply — a total amount of tokens that will be released by the developers. :78,042,956,829 PMA
    • Escrow agent ? Escrow agent — a qualified agent who has the right of signature in a multisig wallet. An escrow agent participates in an ICO, monitors the financial operations of the developers and confirms their fairness. :No
    • Tokens for sale ? Tokens for sale — the number of tokens offered to the participants of an ICO. :NA
    • Whitelist ? Whitelist — a list of participants, who get an opportunity to buy tokens. To be whitelisted, you need to register on time because the number of participants and the registration period are usually limited. :Whitelist Closed
    • Additional emission ? Additional emission — an additional release of tokens. It can be done once after the crowd sale or on an ongoing basis. In the projects with a limited emission there is no additional emission. :No
    • Exchange listing ? Exchange listing — an assumed date when the token will be listed at a cryptocurrency exchange. The developers usually indicate it in a roadmap and a white paper. :NA
    • Accepting currencies ? Accepting currencies — cryptocurrencies and fiat currencies that can be used for buying the project tokens. :BTC, ETH, FIAT,
    • Can't participate ? Can't participate — the countries where it is prohibited to buy tokens. These can be countries where ICOs are prohibited altogether, or countries that have the requirements that a particular project does not meet. :No
    • Know Your Customer (KYC) ? Know Your Customer — a verification procedure for ICO participants, during which the developers can ask for personal data, a photo and a scanned copy of a passport of a potential investor. :Yes
    Get details
  • Token and Funds Distribution

    Token distribution date


    Unsold tokens

      • Token Distribution

    Sale schedule

    Round Token Price Bonus Min / Max Purchase Soft Cap Hard Cap
    Public sale — Ended
    26 Apr 00:00 UTC
    03 May 00:00 UTC
    NA 5% - 20,000 ETH 150,000,000 USD
    Public sale

    5% bonus to a person / entity who contributed at least 6 ETH

    Read more about vesting and bonus
    • Team

      • Yoav Dror photo
        Yoav Dror
      • Aristos Christofides photo
        Aristos Christofides
      • Giorgos Kourtellos photo
        Giorgos Kourtellos
        Architect Blockchain Chief
      • Pantelis Foulis photo
        Pantelis Foulis
      • Milenko Strika photo
        Milenko Strika
        Product of Head
      • Sofia Mashovets photo
        Sofia Mashovets
        Manager Marketing Online
      • Gleb Chernov photo
        Gleb Chernov
        Development Business VP
      • Stella Evagorou photo
        Stella Evagorou
      • Constantinos Eracleous photo
        Constantinos Eracleous
      • Athina Chatziadamou photo
        Athina Chatziadamou
        Associate Legal
      • Mat Stone photo
        Mat Stone
        Security Cyber
      • Dana Ungureanu photo
        Dana Ungureanu
        Writer Content
      • Efrat Klaus photo
        Efrat Klaus
        Designer Web
    • Advisors

      • Uriel Peled
        Co-founder of Orbs and HEXA Labs
      • Dovi Frances
        Financial Service Enterpreneur
      • Giaglis. M George. Prof
        Director of the Institute IFF
      • Daniel Sijes
        Online Payment Space
      • Muly Litvak


    • Q2 2018
      • PumaPay TGE
      • PMA Token V1.0 (ERC20)
      • Integration with ImLive – enabling purchasing using PMA tokens
    • Q3 2018
      • Testing next gen. blockchain
      • PumaPay Wallet V2.0 (Android, iOS, Chrome) - supporting all the recurring payments
      • SDK II – allowing integration with all PullPayment mechanisms as well as development of 3rd party extension services
      • PullContract Wizard – allowing creation and deployment of parameterized PullContracts
      • PumaPay Pride
    • Q4 2018 - Q1 2019
      • PumaPay Wallet V3.0 (Android, iOS, Chrome),
      • SDK III – allowing integration with all PullPayment mechanisms as well as development of 3rd party extension services.
      • Integration with ImLive White Label
      • Integration with Early Adopters