In todays world, carrying cash can be hassle and inconvenient especially if your money is not in the same currency. But due to the rise of cryptocurrency market, sending and receiving payments are becoming quick and instant. Paytoken platform is designed to disrupt and replace the traditional way of money transfers by connecting peers via the platform in different countries to exchange money directly and cut down the middleman, banks or brokers plus costs associated with them. Payou, a mobile app of Paytoken, makes life easier for anyone in need of quick and instant transactions. It creates a new generation of a "smart" hardware wallet, the possibilities of which will be much wider than just storing cryptocurrency, a wallet, in which all valuables will be reliably protected and could be conveniently disposed (you could quickly and easily exchange currencies, invest, take loans and pay for good sand services in the real world).