> For the complete documentation index, see [llms.txt](https://paychain.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://paychain.gitbook.io/docs/other-resources/faqs.md).
# FAQs
1. How does PayChain’s Real-Time Crypto Conversion work?
PayChain's Real-Time Crypto Conversion automatically converts cryptocurrency into fiat currency at the moment of transaction. Leveraging real-time exchange rates and dynamic liquidity pools, the system ensures seamless, instant processing for both users and merchants. This feature eliminates the need for manual conversions or pre-funding cards, providing a streamlined payment experience.
2. Can I use PayChain cards internationally?
Yes, PayChain cards are globally accepted, thanks to Visa’s extensive merchant network spanning over 200 countries. Unlike traditional prepaid crypto cards, PayChain’s integration with Visa standards ensures transactions are fast, reliable, and universally accepted, while real-time crypto-to-fiat conversions remove the hassle of managing multiple wallets.
3. What is the difference between PAYOS and PUSD tokens?
PAYOS (PS) is PayChain’s utility token, used for staking, rewards, and fee payments, while RPUSD is its stablecoin, designed as a reliable medium of exchange. PAYOS has a fixed supply of 100 million, while PUSD is dynamically minted and burned to maintain ecosystem liquidity.
4. What security measures protect my transactions and assets in PayChain?
PayChain's Real-Time Crypto Conversion automatically converts cryptocurrency into fiat cuPayChain employs a multi-layered security framework, including blockchain-based tamper-proof records, end-to-end encryption, and AI-driven fraud detection. Features like multi-factor authentication (MFA) and real-time monitoring ensure your transactions and assets are fully secure.
5. How does the Referral Program reward users?
The Referral Program rewards users for introducing new participants to PayChain. Referrers earn direct rewards when new users activate a card, with higher payouts for Premium card referrals. Indirect rewards allow users to benefit from second-level referrals, creating a network effect that amplifies earnings.
6. What is the difference between the Basic and Premium PayChain cards?
The Basic card is tailored for online transactions, while the Premium card supports both online and offline payments and comes with additional benefits, such as a complimentary Ipeakoin card. Premium cards also unlock higher rewards in the Referral Program, making them ideal for frequent users.
7. Are there any hidden fees when using PayChain cards?
No, PayChain prioritizes transparency. The fee structure is simple and regionally adaptive, with no hidden costs. For instance, US merchants enjoy free transactions, while users pay flat rates or percentage-based fees based on transaction amounts.
8. Will the dApps System expand its features in the future?
Yes, PayChain continuously evolves its dApps System. Planned updates include advanced DeFi tools like lending and liquidity pools, NFT marketplace integration, and AI-driven analytics to optimize staking and asset management.
9. How are tokens and rewards distributed within PayChain?
Token and reward distribution is governed by smart contracts to ensure fairness and transparency. PAYOS rewards are distributed for staking and referrals, while Equity Points are allocated gradually over a 10-year period as part of long-term ecosystem incentives.
10. How does PayChain ensure scalability for future growth?
PayChain employs a scalable blockchain architecture, including cross-chain compatibility and high-throughput processing. These features ensure the ecosystem can handle increased transaction volumes and expand globally without compromising performance.
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