XRPayNet is redefining the industry standard for financial transactions. They will facilitate the conversion of consumer crypto payments made to businesses into their preferred conventional currency. They will do so through their card and mobile application, allowing businesses to continue using their existing payment processing systems, making the Crypto to Fiat payment process seamless. Their mobile application that is currently available for download here on iOS and Android provides a method of exchange with 90,000 trading pairs available, it gives users the ability to Buy, Sell, Store, Track and Spend with complete Freedom. They will also offer "Buy Now - Pay Later" a first in the crypto industry. XRPayNet is built on the XRP Ledger. The transaction speed to transfer any amount of XRPayNet is 1-5 seconds and costs a fraction of a cent. The XRPayNet team does not aim to compete with Ripple or XRP, where they concentrate their efforts towards bank to bank and the global settlements markets. XRPayNet is focused on transforming online and in-store payments, "In the Field '' consumer to business payments (such as to plumbers and electricians) and the world of peer-to-peer transactions. They seek to revolutionize the payments industry forever, with everyday transactions and the entire micropayments sector being their target markets.