Tenx (Pay)

Reviewed by Marcus Webb, Crypto Analyst | March 2026 | Affiliate Disclosure: This article contains affiliate links. We may earn a commission if you use our links.

Насколько просто обычному пользователю использовать криптовалюту? Не очень. Но на помощь приходят платформы вроде TenX, которые предлагают широкий спектр возможностей. Наша сегодняшняя статья посвящена TenX и токену PAY.

Что такое TenX и PAY

Даже если торговец не работает с криптовалютой, пользователи все равно могут использовать TenX и PAY. Эта платежная платформа предназначена для упрощения транзакций криптовалют любым продавцам.

The company wants to introduce the use of cryptocurrency in all areas. Toby Hoenisch founded TenX with the goal of making the application of cryptocurrency faster and easier. Together with Michael Sperk, Hoenisch introduced the world to a debit card with the ability to make payments using bitcoin and other digital assets. As of 2026, the platform continues to position itself as a bridge between crypto holdings and real-world spending.

TenX включает в себя токен PAY. С помощью этого токена совершаются транзакции в сети TenX.

TenX was created to solve a unique challenge in the digital payments space. How can mainstream consumers use cryptocurrencies in daily transactions, and how can everyday purchases be made with tokens? The company aims to make it easier to use digital cryptocurrencies and to store them in wallets, bringing blockchain-based payments to a global audience.

TenX vs Competing Crypto Card Platforms (2026)

История TenX и PAY

Чтобы лучше понять компанию, неплохо было бы изучить ее историю.

This software wallet was created to make blockchain assets instantly spendable anywhere. TenX’s initial token offering in 2017 raised $34 million in just 7 minutes, making it one of the more notable ICO fundraising events of that era.

Набор продуктов включает в себя:

• Карты TenX Card и TenX Wallet предназначены для того, чтобы пользователи могли безопасно и легко использовать криптовалюты для оплаты повседневных покупок в более чем 40 миллионах точек по всему миру;
• PAY Token is a loyalty reward program for using the TenX card. The creators plan to add PAY token as one of the payment methods in TenX Wallet;
• TenX Rewards Token - это наградной токен ERC-20 на Ethereum с характеристиками ERC-1400.

The history of TenX and PAY really began in 2015, when the founders of the company won a Hackathon contest in Singapore following a startup boot camp supported by PayPal. At first, the company worked only with bitcoin and had a different name — OneBit. But then more and more types of cryptocurrencies began to appear and the creators expanded their activities. They believed that the future of payments lies in blockchain technologies and crypto transactions. Therefore, TenX makes assets on the blockchain available to all users, not just industry professionals. The company aims to create a clear infrastructure that will link physical and virtual platforms and accelerate crypto adoption. By 2026, the broader crypto payments landscape has grown significantly, making TenX’s original vision more relevant than ever.

Features of TenX

TenX and its PAY token represent a practical approach to real-world crypto usability. With the help of TenX products and the app, you can not only use cryptocurrency on the network but also pay for anything in real life with it. You can buy groceries, pay for utilities, entertainment, and any other everyday expenses. You not only pay for your needs but also have the opportunity to benefit from fluctuations in the exchange rate.

You can also convert your assets from one currency to another. At the same time, the platform is designed to minimize the risk of unauthorized access to your funds.

For operation, the COMIT protocol is used, which provides a high level of security when making transactions. This cross-blockchain interoperability protocol remains a core technical pillar of the TenX ecosystem.

Цена TenX

All data is only valid at the time of this writing and is subject to change frequently. Always check up-to-date figures on a live market data source such as CoinMarketCap or CoinGecko before making any financial decisions:

• TenX price to USD: subject to live market fluctuation — check current rates on CoinMarketCap
• TenX price to BTC: subject to live market fluctuation — check current rates on CoinMarketCap
• Market cap: subject to change — verify in real time before investing
• Fully diluted market cap: subject to change — verify in real time before investing

Supply Information

Below you can see the supply details for PAY token. Please remember that this information reflects figures from the time of writing and should be confirmed against a live data source for the most accurate figures:

• Circulating supply: approximately 205.22 million PAY
• Max supply: approximately 205.22 million PAY

Риски и соображения

As with any cryptocurrency platform, there are important risk factors to consider before engaging with TenX or investing in PAY tokens. The crypto payments sector has grown increasingly competitive since TenX launched, with well-funded rivals offering comparable or superior features in 2026. Regulatory changes across key markets can also affect the availability of crypto card services at any time.

Users should also be aware that the value of PAY token can be highly volatile. Past performance is not indicative of future results. It is strongly recommended to seek independent financial advice before making any investment decisions related to TenX or its associated tokens.

Подводя итог

TenX is an innovative product that is genuinely capable of making the world of cryptocurrency more accessible to everyday users. The company offers a convenient service that includes a dedicated app designed to help users resolve payment issues in real time and bridge the gap between digital assets and traditional spending.

TenX and PAY face a number of strong competitors in the market as of 2026. To understand whether it is worth investing in this platform, users are encouraged to seek professional financial advice and to study key indicators such as TenX price, market cap, circulating supply, and max supply. All up-to-date analytics can be found on reputable market data platforms.

Вопросы и ответы

Что такое TenX?

TenX is a payments platform that intends to enable users to spend cryptocurrency in daily transactions. The company strives to accelerate crypto adoption for mainstream consumers. To do this, they created their own network, which was strengthened by the TenX wallet (available in selected countries). This wallet is used to channel supported cryptocurrencies within the Visa payment gateway, allowing users to spend digital assets at millions of locations worldwide.

Как получить карту TenX?

To enable everyday purchases, the network performs token swaps from the chosen crypto asset into the relevant fiat currency. For such purposes, you may want to have not only the TenX Wallet but also a crypto card. To get a TenX crypto card you should place your order through the official TenX platform. Availability may vary by country and region, so check the official TenX website for the most current eligibility information as of 2026.

What is the PAY token used for?

The PAY token is the native token of the TenX network. It functions as a loyalty and rewards mechanism for users who make payments using the TenX card. Holders of PAY tokens can earn rewards based on their transaction activity within the TenX ecosystem. The team has also outlined plans for PAY to become a supported payment method within the TenX Wallet itself.

Is TenX safe to use?

TenX uses the COMIT protocol to provide a high level of security during transactions. This cross-blockchain protocol is designed to facilitate secure, trustless asset exchanges without requiring a central intermediary. However, as with all digital asset platforms, users should exercise caution, use strong account security practices, and only invest amounts they are prepared to lose given the volatile nature of cryptocurrency markets.

Who founded TenX?

TenX was co-founded by Toby Hoenisch and Michael Sperk. The company originally operated under the name OneBit and was born out of a Hackathon win in Singapore in 2015, following a startup boot camp supported by PayPal. The platform officially rebranded to TenX as it expanded its supported assets beyond bitcoin to include a broader range of cryptocurrencies.