Get unlimited freedom
Pay for purchases in stores and on websites in digital assets
At store cash registers
Make purchases as usual: select the wallet you need, show the QR code for payment at the cash register. You can use any digital asset available in the Joys Wallet app. We make all settlements with stores in local currency.
On online store websites
Select a wallet, scan the purchase ID viewed as a QR code from the monitor screen and confirm payment to the selected seller.
While running with a coffee
Thanks to our solutions, you can make usual purchases from individual entrepreneurs, self-employed or in the market. Select the wallet you need, show the QR code for payment.
Get access to the world of digital economy
Joys Wallet is a wallet for digital financial assets (crypto assets, cryptocurrency, tokens) and accounts in fiat money. It combines accounts of different blockchain networks and open accounts with different banks. This allows you to easily manage your funds, make transfers and safely pay for goods and services with any available means of payment, have at your disposal a complete list of all POS where you can use the digital assets to pay for goods and services.
Opening wallets and managing your money is convenient and easy
You can open wallets in those asset which is convenient for you: classical currencies, cryptocurrencies or tokens. All funds are stored on your individual account and are available to you 24/7. Transfer funds from account to account or other users. Securely pay for goods and services with any available means of payment.
History is always available anywhere
You have access to the details of each operation. You will see the recipient, the amount of the purchase, the commission (if any) and the composition of your purchase.
Buy and exchange cryptocurrency in the application — conveniently, profitably and fast!
To purchase or exchange cryptocurrency, you just need to select the desired amount of cryptocurrency, accept the terms of the operation and conduct it. Cryptocurrency can be paid by card, without commissions.
Your funds are reliably
protected
Your digital assets are always stored in individual wallets on of a licensed company. Also, at any time you can check the balance of your wallet in the corresponding blockchain networks.
Fiat currencies are stored only on your personal accounts financial institutions with the relevant licenses in accordance with the legislation.
All transactions within the system of payments for purchases are made only with authorized stores through a secure communication channel.
Confirmation of payment occurs only in mobile app, you do not need to transfer to third parties or enter personal or other information regarding payment on websites.
Support is always near
You can contact Customer Support Service directly from the mobile app.
Our experts will help to fix the problem:
- enter the menu;
- select the chat;
- start a dialogue with the operator.
Comparison with other services
Joys
Telegram bots
Crypto ATMs
Online and offline exchangers
Cryptocurrency exchanges
Pros
- convenient to use from phone;
- you can legally pay at the store's checkout;
- convenient to buy cryptocurrencies for fiat money from a bank card;
- you can exchange one cryptocurrency for another;
- a good choice of cryptocurrencies;
- works fast;
- no need to go to the office;
- built– in support.
- convenient to use from phone;
- bots offer several payment methods.
- process of buying cryptocurrencies through an ATM is similar to replenishing the balance of the phone;
- ATMs issue a check.
- work fast;
- wide choice of cryptocurrencies and payment systems;
- exchanger issues an electronic check;
- in some cases, exchange takes place live, you need to go to the office.
- wide choice of cryptocurrencies and tokens;
- purchase and sale at the market price;
- have a price chart;
- exchanges regularly undergo a security audit and form insurance funds in case of hacking.
Cons
- registration and passing verification are required.
- high probability of encountering scammers.
- ATMs are few and far away;
- you can only buy popular cryptocurrencies at an ATM, mostly Bitcoin;
- basically, ATMs only sell cryptocurrencies for fiat money, buying cryptocurrencies from a client is rare;
- required to leave home.
- you need to specify personal data, sometimes registration is required;
- cryptocurrencies stock may run out;
- a buy rate is above the market by 2-3%, a sell rate is lower;
- you have to use cash, in some cases – need to go to the office.
- you can not trade anonymously.
Fee
- purchase of cryptocurrencies from a bank card without any fee;
- rate of payments in stores is taken from the Kraken exchange-3%;
- rate of exchange and purchase of cryptocurrencies is set depending on the volume and is taken from the Kraken exchange from +4%;
- withdraw cryptocurrencies from the wallet without any restrictions and service fees
From 5% for bot services and from 1% to 2% for transfer in the payment system.
The average commission for a purchase at Bitcoin ATMs is 8.9%.
From 5% for the exchange of cryptocurrency and from 1% to 2% for the withdrawal of funds through the payment system.
From 0.1% for cryptocurrency exchange and from 2.5% (or a fixed amount) for withdrawal of funds via the payment system.
Payment at the store
Available, without the need for withdrawal in fiat money.
Not available
Not available
Not available
Not available
Join us and make purchases in a cryptocurrency
worldwide, right now!
Rates and conditions for Russian residents*
Purchase and transfer limits
User statuses
Unidentified
Simply
identified**
identified**
Identified***
Balance limits in
crypto wallets
crypto wallets
Not available
No limits
No limits
Balance limits in
a fiat wallet
a fiat wallet
Not available
60,000 rub. or
equivalent in another currency
equivalent in another currency
600,000 rub.
Single
payment limit
payment limit
Not available
60,000 rub. or
equivalent in another currency
equivalent in another currency
300,000 rub.
Monthly payment
limit
limit
Not available
200,000 rub. or
equivalent in another currency.
equivalent in another currency.
No limits
* Citizens of other countries can use the FATF recommendations
** All users that are Russian citizens when registering in the Joys Wallet mobile app pass a simplified identification.
*** How to pass full identification?
In the office of the Non-Banking Financial Company "RIB", LLC,
24 Frunzenskaya Quey, Frunzenskaya Metro Station, Moscow,
Mon-Fri 9.00 a.m. 7.00 p.m. without lunch brake.
You must have an internal passport (or other identification document) with you, non-residents of the Russian Federation are additionally required to have a document confirming the right to stay on the territory of the Russian Federation (visa or migration card).
Form Application for Identification is herein.
By sending notarized copies of documents
For this, you need:
- to fill in Application for Identification in the prescribed form,
- certify with a notary`s signature the copy of your identity document,
- send the original Application and the certified copy of your identity document to the Non-Banking Financial Company "RIB", LLC, 119146, 24 Frunzenskaya Quey, Moscow.
Transfers
Payment currency type
Cryptocurrencies
Type of transfer
To other wallets
Commission amount
At blockchain rates
Payment
Payment currency
type
type
Paying in JOYS
Paying for goods
and commission in BTC, ETH, LTC, BNB
and commission in BTC, ETH, LTC, BNB
Paying
in fiat
currencies
in fiat
currencies
Commission amount
Only GAS
Kraken-3%
For free
Limits on the purchase of cryptocurrency using a bank card*
Maximum amount of one transaction:
3 000.00 EUR or equivalent in local currency
Maximum amount of successful authorizations per card per day:
10 000.00 EUR or equivalent in local currency
The maximum amount of successful authorizations per card per month:
15 000.00 EUR or the equivalent in local currency
* Available only after passing through a simplified identification of the person and/or KYC, depending on the country or region where the Service is available.
Stores
FREQUENTLY ASKED QUESTIONS
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Downloading Joys Wallet app
You can download our app directly from Google Play or App Store.
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Registration
To register, open the installed Joys Wallet mobile app and follow the instructions on the screen.
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Restoring account access
Open the Joys Wallet mobile app, make an authorization request, expect an incoming call to the phone number that you have indicated. Enter the last six digits of the phone number of the incoming call. Next, follow the instructions on the screen of your smartphone.
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Why do I need to verify my identity?
You need to verify your identity to use your Joys Digital account. This policy complies with the legislation known as Know Your Customer (KYC) which is a process of verifying the identity of company`s customers.
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How can I verify my identity?
Press "Complete KYC" and "Pass simplified identification" (for citizens of the Russian Federation), then follow the instructions. You will need to take a picture of a valid photo ID and your face. We may request a copy of your legal right to stay in one of our supported countries (for example visa, residence permit).
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What are supported countries?
Currently, we fully support only legal residents in Russia. For all other countries, the payment service operates with functional limitations. Available functions are the storage of cryptocurrency and payment for goods and services only on the territory of Russia.
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What is the age limit?
To use the Joys Wallet app you should be at least 18 years old.
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Are there any limits to replenish the digital asset wallet?
There are no limits to replenish the digital asset wallet.
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Do I need to verify the source of my funds?
As a part of the AML procedures and domestic legal requirements, we may request users to provide information about their sources of funds.
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I cannot verify my identity
If you are waiting for the verification results, please note that our respond may take from 10 minutes to 24 hours. If your verification is failed, please try again and double-check that your images are clear and all the photos of the document are readable without any blur or glare.
Pay attention you should be at least 18 years old.
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I forgot my password
You need to carry out the password recovery procedure, to recover your password, follow the instructions in the Joys Wallet app.
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My phone is lost or stolen
Contact Customer Support Service calling 8-800-100-80-69, block your account, after recovery, contact Customer Support Service again to unblock your account.
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I want to close my Joys Wallet account
If you want to close your account, you will first need to withdraw your assets from the wallets opened in Joys Wallet, complete all transactions (payments, transfers). After making sure that these steps are completed, please contact Customer Support Service from the Joys Wallet app to request that you close your account.
Please take into consideration that as an institution we are required to keep data of our former users for 6 years.
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What cryptocurrency is supported?
You can get access to JOYS, BTC, ETH, LTC, BNB, BCH.
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How much does it cost to get cryptocurrencies?
You can find out the cost of receiving cryptocurrencies during the exchange in the Joys Wallet application.
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What are the limits on the purchase of cryptocurrency using a bank card?
Maximum amount of one transaction: 3 000.00 EUR or equivalent in local currency.
Maximum amount of successful authorizations per card per day: 10 000.00 EUR or equivalent in local currency.
The maximum amount of successful authorizations per card per month: 15 000.00 EUR or the equivalent in local currency.
-
What determines the purchase rate?
The purchase rate depends on the volume of cryptocurrency purchased, more volume, better rate.
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How to purchase cryptocurrency in Joys Wallet for rubles or euros?
Use the currency exchange in the app.
- At the bottom of the main screen, click on the icon with arrows pointing "right and left" — the currency exchange screen will appear.
- From the list of available currencies, select the currency you will use to pay for the purchase and specify the amount you plan to use to purchase the cryptocurrency.
The field below will automatically show the amount of the purchased cryptocurrency and the purchase rate. - After filling in all the fields, click "Continue". A preliminary Order for the purchase of cryptocurrency will be created. Read all the information in it, then confirm the purchase or refuse it.
- Click the "Pay" button. You will see the page of our partner, Platron. You will need to enter your bank card details to pay for the purchase.
- Attentively fill in the payment information on the payment form. Click the "Pay by card" button. After successful payment, the cryptocurrency will be transferred to your wallet in the Joys Wallet app. Deposit to the wallet can take from five minutes to several hours and depends on the features of transaction confirmation in blockchain networks.
-
How to exchange cryptocurrencies in Joys Wallet? How to purchase cryptocurrencies for another cryptocurrency?
Use the currency exchange in the app.
- At the bottom of the main screen, click on the icon with arrows pointing "right and left" — the currency exchange screen will appear.
- From the list of available currencies, select the cryptocurrency which you want to exchange for another cryptocurrency and write the amount.
The field below will automatically show the amount of the purchased cryptocurrency and the exchange rate. - After filling in all the fields, click "Continue". A preliminary Order for cryptocurrency exchange will be created. Read all the information in it, then confirm the exchange or refuse it.
- Click the "Exchange" button. The purchased cryptocurrency will be transferred to your wallet in the Joys Wallet app. Deposit to the wallet can take from five minutes to several hours and depends on the features of transaction confirmation in blockchain networks.
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How to purchase JOYS cryptocurrency on the exchange?
- Register on the P2Pb2b or LATOKEN exchange.
- On exchanges, it is possible to purchase cryptocurrency with a bank card. Buy one of the following cryptocurrencies: Ethereum (ETH), Bitcoin (BTC) or Tether (USDT).
- Then go to the trading page and find the pairs of cryptocurrency you are interested in. For example, JOYS/USDT.
Example links to trading pages:
https://p2pb2b.io/trade/JOYS_USDT
https://exchange.latoken.com/exchange/JOYS-USDT
Here you can exchange Tether (USDT), Ethereum (ETH) or Bitcoin (BTC) for JOYS, choosing the best rate. After the exchange is completed, the balance of your wallet on the exchange will deposit. You can transfer the purchased cryptocurrency to your wallet in the Joys Wallet application.
Important! We are not responsible for the operation of these exchanges and for your success in trading.
You can find out about the specifics of trading on the exchange in the user's manuals:
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How to deposit the wallet in Joys Wallet app?
This method is suitable for you if you have cryptocurrency on another service, such as an exchange or online wallet.
Open this service and find the send or transfer function there. At the same time, in the Joys Wallet app, on the screen of the selected wallet, click on the "Receive" button.
In opened window you will see a QR code that encrypts your wallet address. It is used to get the address quickly by scanning with any cryptocurrency application.
The wallet address is shown under the QR code — a long set of letters and numbers. To the right of it there is a copy symbol. Click on it and copy the address to the clipboard. Insert your wallet address in another service on the transfer screen and confirm the transfer of funds.
It is important to remember that sometimes it takes a long time to receive funds to the wallet, which depends only on the specifics of the operation of blockchain networks.
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How to transfer funds from Joys Wallet app to another wallet?
In order to send cryptocurrency from your wallet in the Joys Wallet application, go to the screen of the wallet you are interested in:
- Click on the "Send" button.
- On the opened screen, in the "Transfer to another wallet" field, paste the wallet address where you want to send cryptocurrency. The address can be entered using the keyboard or copied and pasted into this field.
On the right side of the field there is a scanner symbol. When you click on it, you can scan a QR code with the address of the wallet where you want to transfer the cryptocurrency — it will automatically be added to the field.
The address must belong to the same cryptocurrency network. So, JOYS can only be transferred to another wallet in the JOYS network, BTC — to a BTC wallet, and so on.
Be careful when you enter the wallet address for sending! - Lower, in the field "Amount to send", fill the chosen amount of cryptocurrency to transfer. Keep in mind that when you send it, you will also be charged a commission from the blockchain network for transferring funds to another wallet. The exact amount of commission is indicated below.
- The line "Sum total" will indicate the total amount of cryptocurrency which will be debited from your wallet.
- To make a transfer, click the "Send" button.
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I made a purchase of cryptocurrency, the money was debited, but the cryptocurrency did not arrive, what should I do?
Usually, coining takes from a minute to several hours, if you still have not received cryptocurrency, please contact support.
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Why is replenishment of the wallet failed?
Some of the most common reasons are: you have insufficient funds, you have entered the wrong wallet address.
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Why hasn`t my replenishment been completed yet?
If the entered wallet address date are correct, in some cases it may take up to 48 hours to replenish the wallet, it depends on the load on the blockchain you chose.
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The balance was not updated after paying for goods.
Restart the mobile app.
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The recipient did not receive money.
Transfers as well as replenishment may take a long time.
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I want to cancel a transfer
Transfer cancellation is not provided in the blockchain system.
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Why did my transfer fail?
Check if the data you entered is correct, perhaps you are entering the address of the wallet from another network. Retry the transfer later.
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