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For cryptocurrency holders, Pay allows users to settle daily payments with cryptocurrency and earn rewards. Users can enjoy instant payments with no gas fee. For businesses, Pay enables merchants to generate crypto invoices free of charge using Pay. The buyers can settle the invoice with cryptocurrencies such as BTC, ETH, XRP, LTC and CRO. The invoicing feature helps merchants eliminate the risk of price fluctuations in cryptocurrency. We at the SEC are committed to promoting capital formation. &;The technology on which cryptocurrencies and ICOs are based may prove to be disruptive, transformative and efficiency enhancing.&; I am confident that developments in fintech will help what can you with bitcoin facilitate capital formation and provide promising investment opportunities for institutional and Main Street investors alike.&;