We transform digital money
into real goods


Fintech project, the product of which is the tools for the implementation of the circulation of accounting units on the basis of a distributed ledger, as well as a payment service for cardless payments in fiat and legal payments in almost any cryptocurrency when buying goods and services.

Our development

JAS. Joys Accounting System

The technology of realization of the management system of accounting units on the basis of the distributed ledger. The functionality of JAS allows you to implement a full cycle of creation, turnover, and withdrawal of accounting units in the form of records in a private distributed ledger, tokens or smart contracts. It also allows you to perform administrative management and client interaction with the system, connect external systems and modules.

It is used in the Center of the digital transformations of the Bank for Development and Foreign Economic Affairs.

More about the technology

NIPS. New International Payment System

This payment system is a cloud platform of switches of national payment systems of the BRICS countries for cross-border payments in digital format, including blockchain technology. NIPS will be used for seamless integration of national payment systems based on national currencies into the overall payment network through the creation of a single gateway with an open architecture. Joys takes part in the development of a new independent payment system of the BRICS countries.

More about NIPS

Joys Digital

Payment service for legal payments in fiat or any cryptocurrency when buying goods and services in online and retail shops.

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Existing solutions have limitations in retail
New infrastructure is needed: new POS terminals and cash registers or issue of cards.
Legal regulation limits the acceptance of cryptocurrencies
There is no solution to these problems in the market


To transfer the exchange of cryptocurrency for fiat to the jurisdiction where it is legal, leaving only the circulation of the national currency in the country of payment
To use special transport vehicles (SPV) in the country of payment - as a transport of fiat money from a buyer to a seller


Develop and
implement legal ways to use cryptocurrencies

Create an infrastructure independent of existing payment systems for legal payments

Implement the Joys infrastructure to interact with POS hardware (loyalty program, cashback, personalized promotions, etc.)

IPO in
the next 5 years

Why now?

Cryptocurrency owners in Joys markets
Demand is growing, more than 13,000 sellers accept cryptocurrencies for payment, but this is only a part of the market
No tools and ready-made solutions for offline retail payments
Getting a new international payment service and commission for each transaction

Map of places accepting cryptocurrency for payment

Market volume

Competitive advantages

Own infrastructure through integration into existing POS systems
No need to install new cash register software and/or hardware
The usual business logic of the sales for a seller, the usual interfaces of work
Automated accounting of all sales in accounting systems
Does not contradict the law, allows you to legally accept cryptocurrency in countries where digital assets are not a means of payment
Does not generate costs for business during connection
Allows you to pay with almost any cryptocurrency
Extends the use of tokens or coins of other projects
Conducts KYC procedure
Has the integrated distributed ledger of payments and receipts in the Joys blockchain
Allows deep analysis of consumer demand and sales level


Integrated Joys payment module in:

25% of all cash registers in Russia
10% of cash registers in CIS countries
50% of gas stations in Germany and thousands in other European countries
Hundreds of hotels and restaurants in Europe

Our partners

Exchange partners: MoneySwap Boska Trade
Bank in Russia: Ribank
Banks in Europe: Coop Pank AS
Technological cooperation: Brics Gerb

Financial performance

Stages of development and investment needs

09.2018 First stage
Russia and CIS (Belarus, Kazakhstan), EU (Germany, France, Italy) and the UK
04.2019 Second stage
Southeast Asia (Singapore, Japan, South Korea, Hong Kong), Africa (Egypt, Republic of South Africa)
10.2019 Third stage
North America (USA)

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Contact us

Alexander Shamyan