CryptoPay CPAY was founded in 2013 by an experienced team of developers. Users can receive, store, exchange, and send bitcoins and litecoins; buy and withdraw cryptocurrencies to their personal SEPA (SEPA or the Single Euro Payments Area is the new format for cross-border Euro bank transfers). They can buy bitcoins with a bank card, create a virtual prepaid card to make purchases with cryptocurrencies in their everyday life and open a corporate account and accept bitcoin payments. CPAY is based on the decentralized blockchain technology. With CPAY every transaction is with a minimum fee, and there is no unfair pricing included. People can buy CryptoPay from HitBTC and IDEX.