HEdpAY will create a bank that has the capacity to directly address clients and meet their need on peer to peer bases, adopting new perspectives and encouraging multiple development possibilities. HEdpAY will offer a complete set of banking and financial services based on the innovative blockchain technology. The first token with ICO price protected thanks to bonuses. The Hdp token is the first token that in the Family & Friends and pre-ICO phase will not be offered with discounts or rebate campaigns. Anyone who will have access to token distribution first, will have the advantage of getting free tokens. These tokens will be disbursed in phases within 3-6 months after the end of the ICO in order to protect their value for the further benefit of their owners. HEdpAY will offer specific service advice and the possibility to use the token in online and off-line shops.