The profile of a borrower will be displayed on a peer-to-peer online platform where investors can assess these profiles to determine whether they would want to risk lending money to a borrower. There will be access to liquidity pools which will ensure a borrower will find the liquidity they desire. Use of group chats and instant friend invites by way of social media an email are another convenient feature. Currently no other peer-to-peer platform compares to P2pay Beta platform. There will be no problem for borrowers to access their loan once received on the platform. Coins will be liquidated for cash instantly to your P2pay debit card. P2pay will also allow for integration of over 50 altcoins that can be liquidated instantly. The smartphone app will allow for point of sale purchases.