# Introduction
**HedgePay** is a decentralized token protocol that generates a constant, stable coin based, income stream to its investors. The protocol uses our proprietary **HedgeFi** risk reduction algorithm to commit 10% of each transaction into a diversified asset portfolio to generate interest, known as the **HedgeFi** Capital Fund. Most of the gains generated by our algorithms are returned to the investors in the form of claimable rewards. The gains that are not converted into investor rewards will be used to fuel the buy-back mechanism which is engineered to preserve the market value of our HPAY token. These gains are also utilized for liquidity generation and seed funding for future developments.
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**Our top-level rewards program is exclusive to investors that unlock our salary mechanics by holding at least 1 million HPAY. Other investors earn rewards by staking in our high yield buy-back mechanism or by performing simple on-chain operations to claim profit from our generous bounty protocol.**
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Our team aims to provide real value and innovation to the decentralized finance space. Our top priority is to help investors on their journey toward financial freedom. Therefore, once we have decoupled the early reliance on transactional volume to improve the HedgeFi Capital Fund, we will incrementally lower the threshold for our top-level salary program.
# How It Works
**HedgePay** incorporates our proprietary risk reduction algorithm to analyze potential assets before investment. Risk analysis assists in the decision of divestment of assets and modular smart contracts distribute capital, proportionally. This mechanism is built into our internal protocols to make sure that rewards are consistently generated.
The algorithm we have developed automatically distributes capital into various investment strategies in order to secure rewards as stable assets. This methodology ensures a way to maximize profits that are resistant to traditional market pressures.
The main focus of our protocol is to create an ecosystem that allows the indefinite generation of rewards, thus we have engineered our platform to follow this principle. The **HedgeFi Capital Fund** is managed through our modular smart contracts to increase its valuation throughout market cycles and implicitly generate rewards to our users.
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All the internal working of the protocol is elegantly abstracted to the investor and the process is simplified to the purchase of our **HPAY** token. Investors that reach the minimum **HPAY** balance in their wallet will secure their stable asset income to be received on a recommended monthly basis. Rewards can be withdrawn earlier on a prorated fee basis. These fees are allocated back into the **HedgeFi Capital Fund** to supplement an increase in reward generation.
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# Rewards
HedgePay offers a range of mechanisms to generate active and passive income from your investments. There are three main mechanics during HedgePay's foundation stage for the generation of rewards.
### Stable Asset HedgeFi Rewards
Investors holding at least 0.1% of the total supply will unlock the BUSD HedgeFi rewards. A select few investors will also be able to take advantage of the HedgeFi Capital Fund to increase their monthly income. These are recommended to be removed monthly to improve personal financial security but can be taken out sooner on a pro-rated fee schedule. The fees will be reallocated to the HedgeFi Capital Fund to improve interest to be distributed to holders. Investors can also choose to stake their HPAY in our high yield buyback mechanics to generate more income. Once early reliance on transactional volume has been decoupled from the HedgeFi Fund, the threshold to unlock BUSD rewards will be proportionally adjusted. All revenue generated is provided as passive rewards, 80% as direct currency and 20% utilized in our buyback mechanisms.
### HedgePay Buyback-Powered Staking
This provides investors with the opportunity to stake their HedgePay tokens to earn more rewards. The buyback-powered staking service utilizes 20% of the generated HedgeFi revenue to purchase HedgePay at market value, which increases overall volume. These buyback mechanics have been engineered to also prevent market price volatility of HPAY. This also allows all investors to build the foundation they need to earn enough HPAY tokens to unlock the BUSD salary mechanics.
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This mechanic will be available soon
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### HedgePay Bounty Service
This currently provides a reward of 0.5% for any operation that an investor completes. These operations include converting profits from the HedgeFi algorithms to stable assets and storing these assets in the multi-signature wallet. The reward generation mechanics is structured to ensure a steady income flow for the investor by allowing them to earn via holding, staking, and solving HedgePay operations.
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This mechanic will be available soon
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# Fees
All revenue generated from our multi-level tax system and fee schedules is automatically reallocated to support the HedgeFi Capital Fund, which in turn is used in regulated investment strategies to generate rewards for all holders. Buyback mechanics fueled by interest garnered, sustains a positive market pressure on the HPAY token system. Taxes are significantly reduced when interacting with HedgePay contracts to incentivize the use of in-house mechanics. Sixty-six percent of all taxes are used to increase the valuation of liquidity for the HedgeFi Capital Fund. Twenty percent of taxes is used to improve accessibility, encourage adoption, engage in mutual partnerships, and fund HedgeDrops (merchandise giveaways). Fourteen percent of taxes are used to fund the implementation of new services and streams of revenue to supplement the HedgeFi Fund and decouple its valuation from consistent transactional volume.
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**Our tax mechanism is designed to remove traditional negative market pressures on the price of the HPAY token. We will never be selling any HPAY tokens obtained from transaction taxing. HedgePay's main taxing revenue will come from mechanics where taxes are taken directly in the form of a stable asset or crypto asset that is not directly bound in any way to the HPAY token financial environment.**
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## Transaction Fees
Transferring HPAY tokens to any address that is not essential to the HPAY ecosystems implies an 18% transfer tax. This incentives direct use within our ecosystem and acts as a buffer to any third parties attempting to exploit HedgePay’s financial mechanics.
## Reward Fees
Every user is entitled to one free reward claim each month. Early claims start at a 30% initial tax, which will be reduced by 1% every day. A 2% performance fee is also deducted from the total daily generated profits. This performance fee is used to improve the capital of the HedgeFi Fund, creating a positive feedback loop in its indefinite increase in valuation.
# Team
### **Mason Peck** `(United States)` *Founder, Chairman and Chief Executive Officer of HedgePay*
Mason has been an innovator in business ownership for the past 10 years. He has directed several businesses to financial success, working side-by-side with employees, and focusing on active innovation to improve the overall adoption if new technologies. Mason hold a Master of science degree and has personally owned 3 businesses. Mason has the drive, the vision, and the real-life experience to bring about the widespread adoption of HedgePay's international business strategies. Let's welcome Mason to HedgePay!
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### **Edwin Ho** `(Malaysia)` *Founder and Director Of Operation of HedgePay*
For the last 17 years, Edwin has spent his time collaborating with all hierarchies of the digital industry. From startups to multinational corporations, Edwin has constructed innovative marketing strategies that transcend geographical barriers. His outreach has established prosperous and immutable relationships between clients and consumers. Always looking forward, Edwin sees a new age of marketing coming, that will interlace cryptocurrencies with purchases in our daily lives. HedgePay welcomes Edwin to become one of the pioneers that will establish this new economy.
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### **Development Team** `(United States)`
HedgePay's development team is currently under a Non-Disclosure Agreement (NDA), and we have chosen not to disclose the names of those involved due to security purposes. HedgePay always places security as a core tenant and we keep our developments in-house. This works to protect our investors and developers from compromise.
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### **Robert** `(United States)` *Chief Technical Officer of HedgePay*
Graduating with his Bachelor's in Computer Science and an Master's of Business Administration from East Carolina University, Robert has always been at the forefront of technology. Robert owns 5 mobile app development companies and currently builds over 300 apps per year. For the past 7 years, Robert has understood the value of and utility of cryptocurrency pioneering and leading Degem as CEO of the launchpad, IDO and the exchange before joining our family here as HedgePay's CTO. We are grateful for the opportunity to welcome him and his vision for the future of cryptocurrency adoption!
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## HedgePay Organization
# Market Making
The Most Innovative HedgePay Platform for Market Making
## **Introduction: The Role of a Market Maker**
Market makers ensure enough liquidity to enable seamless trading. They help keep the market functioning by acting as wholesalers to satisfy the market. When the demand position is low and the supply high, the price becomes low. Similarly, the price increases if the demand increases, reducing the supply. Thus, HedgePay provides the perfect platform to increase trading volumes. Besides, it creates an organic chart.
## **How does HedgePay Market Maker work?**
HedgePay has two accounts that traders can use. \
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• Market Making Bot for creating the volume and the chart \
• Extra Liquidity account to optimize trading, manage the situation, fulfill the order book, and support the price. \
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As it optimizes trading, it becomes easy to generate profits. However, HedgePay does not guarantee it because everything depends on the level of organic users and the price inquiry.
## **HedgePay ensures the Safety of Funds**
HedgePay employs the highest levels of safety to ensure that investor funds are safe. In addition, its proprietary risk-reduction algorithm allows investors to customize their projects and secure financial freedom indefinitely. \
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Many similar platforms do not offer such safety because they use Wash Trading to cheat trade volume. For example, HedgePay does not use it because it is illegal, especially on large exchanges. Besides, the project can be delisted if detected. Secondly, the trader understands that robots do such instant transactions. As a result, they become wary of using their tokens on such platforms. Automatically, it discourages potential investors. \
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On the other hand, HedgePay Market Maker creates the volume and the organic chart. Besides, the Market Maker bot controls the spread and sets the order books, thus controlling the pricing. Therefore, the HedgePay Market Maker interface is the most straightforward to use.
## Final Words on the Advantages of Using HedgePay Market Maker
Using HedgePay Market Maker has its benefits. \
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• Besides creating the necessary liquidity, HedgePay creates the organic chart that experienced traders trust. The chart’s creation involves technical analysis and stimulating investors to enter the market. \
• Secondly, HedgePay creates liquidity levels to optimize trading to manage the situation. Thus, it fulfills the order book and supports the pricing mechanism, allowing investors to make good profits. \
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HedgePay cautions investors that they do not guarantee profits for investors every time because a lot depends on the levels of organic users and their pricing inquiries.
# KYC Audit Doxxing
H-Pad provides the fastest way to launch your project on HedgePay and get your presale. Its user-friendly and automated interface simplifies it for project owners and investors alike. Investment projects have specific challenges to overcome, especially in building trust between the platform and investors. Hence, H-Pad offers the following primary services to ensure the safety of investors’ funds and prevent misadventures like fraud, data privacy leaks, cyberattacks, and scams.
## KYC Audit Doxxing AMA. Everything you need to know:
**HedgePay Know Your Customer** \
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Every business has a legal obligation to adhere to KYC norms. KYC is a legal requirement to ensure the legitimacy of the customers’ activity. Following KYC norms strictly can prevent identity fraud and money laundering. H-Pad ensures that every project owner completes KYC regulations before launching their projects on the platform. It also allows the project owners to complete the KYC of investors to ensure against financial fraud. H-Pad accepts passport and national ID as the only admissible identity documents for KYC. It maintains absolute secrecy and does not disclose confidential information to third parties or publish them unless the customer commits theft or fraud. \
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**HedgePay Audit** \
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Financial projects are prone to fraud. However, the scam does not originate overnight. Instead, it shows various warning signals identified through regular audits alone. H-Pad offers auditing services to uncover project-killing bugs in advance and suggests remedial measures accordingly. H-Pad requires all project owners to comply with their audit regulations. Furthermore, it helps safeguard investor funds by identifying the warning signals on time before assuming dangerous proportions. Thus, it enables project owners to take safety measures accordingly, thus proving a crucial investment in the project’s future. \
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**HedgePay Doxxing AMA** \
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Doxxing is a significant cyber threat where malicious actors publish confidential information about their targets to harm their reputations. In addition, it can lead to mistrust between the forum, project, and investors. Therefore, H-Pad offers Doxxing AMA services where investors can clarify their misgivings with the project owners. H-Pad Doxxing AMA works differently than the conventional AMAs because it features online interactions between HedgePay CEO and other officials with the project owners. HedgePay officials pose questions to the project owners on their investors’ behalf and provide time to clarify their doubts. This valuable interaction benefits project owners and investors alike by reinforcing trust between the concerned parties. HedgePay is concerned about the safety of investor funds and private information. The Doxxing AMA sessions introduce transparency between the investors, the project, and the forum. It benefits all parties and builds trust, the basis of any investment relationship. HedgePay Doxxing AMA services are available at a cost. Investors and projects can avail themselves of these services only if they have completed their KYC requirements.\
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**Final Thoughts**\
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H-Pad offers a user-friendly platform for project owners to launch their investment plans. H-Pad KYC services help prevent misrepresentation, identity fraud, and money laundering. The H-Pad Auditing service identifies potential bugs in the financial system and ensures the safety and legitimacy of investor funds. Finally, H-Pad Doxxing AMA helps build trust between the investors and the project.
# HedgePay Vault
Staking as a Service For Earning Crypto By Leveraging Your Idle Crypto Assets
HedgePay is a DeFi-powered income generator that uses proprietary HedgeFi risk-reduction algorithms to secure your investment in the blockchain. This platform guarantees indefinite financial freedom because of its uniqueness, excellent security features, and accessibility. Amongst its various services, HedgePay offers Staking-as-a-Service while forging a secure path to consistent reward generation resistant to market volatility.
## HedgePay Staking as Service
HedgePay Vault offers an affordable staking enterprise allowing investors to earn an active and passive income because of its unique and profitable features.
HedgePay Vault has four components.\
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**HedgePay Vault** is a flexible staking facility enabling investors to redeem their staked assets at any time. It encourages them to hold on to their assets to generate a regular income stream. In effect, the staked coins are put to work while you hold on to them. The best aspect is that you are free to unstake them anytime if you wish to trade them. Thus, you see staking generates income passively while trading ensures active income generation. Moreover, it is an affordable service at 2 BNB.
**Time Lock Vaults** offer a different service where investors can stake their assets for a specific time frame. This vault is not as flexible as the HedgePay Vault because it discourages premature withdrawal. Besides, this service is available at 3 BNB. However, it is a profitable venture because it enables investors to earn additional rewards.
**Flash Staking Vaults** is an improved version of the Time Lock Vault because it provides investors with upfront interest. However, the APR is fixed. This facility, available at 3 BNB, allows investors to lock their funds for the first 24 hours after the vault starts.
**Custom Vault** is a specialized service offered to select clients. This service costs 5 BNB and is built to be integrated into the project’s economics.
## Final Thoughts
Your crypto funds can generate a steady income stream because of the HedgePay Staking service. This service enables passive income generation as you hold on to the crypto assets in the vault. It also allows you the flexibility to unstake the investments and trade in them to earn active income. Besides, HedgePay Vault service offers the highest levels of safety.
# FAQ
## 1. Where can I buy it?
Currently HedgePay is available for purchase utilizing our in-house exchange application. HedgePay will be released on Decentralized Exchanges like PancakeSwap and BiSwap as soon as the EIO ends.
## 2. Why can't I claim rewards?
To be eligible for the HPAY BUSD reward mechanics, you must hold at least 0.1% of the total supply in your wallet. These rewards can be claimed at any time on a prorated fee basis. These fees are used to supplement the HedgeFi Capital Fund and increase rewards to holders. Once early reliance on transactional volume is decoupled from the HedgeFi Capital Fund, this threshold will be decreased.
## 3. Do staked tokens count towards the salary?
Tokens kept in the high yield staking buyback mechanisms do not count toward the total amount of HPAY required to generate BUSD salary rewards. While an investor can choose to stake and and also receive salary rewards, the balances are not cumulative.
## 4. Is liquidity locked?
Yes, HedgePay utilizes our proprietary zero-risk liquidity locking service. Liquidity is locked biannually and will be automatically renewed 5 days before expiration if no breaking event occurs. This ensures that our ecosystem is secure and adaptable to changing environments. Liquidity locking is transparent and accessible to all members of our community.
## 5. What is the maximum supply?
Maximum supply of HPAY tokens is 1,000,000,000 (1 Billion).
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# Email
List of HedgePay verified email.
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