Bydfi vs Pointpay: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Bydfi and Pointpay This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on August 16, 2025

Bydfi

Pointpay

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Available Countries

United States

Yes

Europe

Yes

Latin America

Yes

India

Yes

China

Canada

Yes

United Kingdom

United States

Yes

Europe

Yes

Latin America

Yes

India

China

Canada

Yes

United Kingdom

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Bydfi is ideal if:

Great for automation fans – If you enjoy trading bots, copy trading, or demo accounts, BYDFi delivers robust tools to trade efficiently without constant manual oversight.
Suited to traders chasing leverage – With support for high-leverage strategies and user-friendly interfaces, it's a solid pick for aggressive traders seeking powerful instruments in an accessible format.
Ideal for global beginners and pros alike – Its intuitive design and broad feature set make it equally approachable for new users just starting and those looking for advanced trading options.

Pointpay is ideal if:

All-in-one crypto platform Seamlessly combines exchange, wallet, payment, and banking tools in one accessible ecosystem—not just trading.
Tailored for all experience levels Offers Classic and Advanced interfaces for seasoned users, plus Quick Exchange for newcomers for fast, intuitive trades.
Engaging community ecosystem Includes staking, Vault savings, educational Learn & Earn, a Launchpad, and competitions—great for active and curious users.

Bydfi isn’t ideal if:

No staking or lending features – If you're seeking income through asset staking or crypto loans, BYDFi currently doesn’t offer these options.
Limited fiat withdrawal support – Converting crypto into local currency outside the platform can be inconvenient or unavailable directly within BYDFi.
Advanced tools might overwhelm newcomers – Beginners may find features like high-leverage derivatives and automated bots more complex than user-friendly.

Pointpay isn’t ideal if:

Limited advanced trading Some users find it lacks powerful tools like leveraged futures or deep charting options for professional-grade strategies.
Occasional tech hiccups Reports of login issues, app performance quirks, and delayed customer responses suggest potential reliability concerns in mobile use.
Uncertain regulatory clarity Conflicting information surrounds its licensing and regulatory compliance, leading to varied user trust and coverage depending on region.

Fees & Total Costs

Spot Maker/Take

BYDFi charges a flat maker and taker fee of 0.1% for all spot trades; while VIP tiers may offer reductions, there’s no native-token discount outlined as standard.

PointPay charges a flat maker-taker rate around 0.05%, offering up to 35% fee discounts for users holding increasing amounts of PXP tokens, with no tiered volume brackets beyond the PXP-based loyalty levels.

Futures/Derivatives

Perpetual contracts carry a maker fee of 0.02% and taker fee of 0.06%, and the funding fee is exchanged every eight hours depending on market sentiment (positive or negative)—paid by longs to shorts or vice versa.

PointPay currently does not offer any futures or derivative trading, so there are no maker/taker or funding fees applicable.

Average Spreads on Liquid Pairs

For major perpetual pairs, typical bid-ask spreads hover around 0.06%, reflecting tight pricing in high-liquidity markets.

While precise spread data isn’t published, the exchange is noted for offering competitive pricing that closely aligns with market prices on popular pairs like BTC/USDT and ETH/USDT.

Fiat Deposits & Withdrawals

Users can deposit fiat via providers like Banxa, Transak, Coinify, and Mercuryo; fees and processing speeds vary by region, with no flat rate transparency but generally fast credited times.

Fiat deposits are facilitated via Mercuryo or MoonPay, and withdrawals are supported as well; deposits may include a small markup or cashback promotions but are generally straightforward, with processing times depending on the provider—often several hours to a couple of days.

On-chain Withdrawals

Fixed vs Dynamic Network Fees

Withdrawals incur network (miner) fees, varying by cryptocurrency and network conditions (e.g., BTC, ETH, TRX), rather than fixed platform fees, although PXP holders may enjoy reduced rates.

Hidden Costs

There’s a small fee embedded in crypto-to-crypto conversions, and while no inactivity fees are standard, express KYC or other convenience services may involve additional charges.

currency conversion, inactivity, expedited KYC, etc.

Real-World Cost Example: “€500 BTC

Purchasing €500 of BTC would incur a spot fee (~0.1%) plus any spread embedded in the quote, and if you then withdraw on-chain, you’d pay the network-based withdrawal fee—combining all these into the total cost.

If you buy €500 worth of BTC, your total cost would derive from the spread between buy/sell prices, a trading fee (e.g., ~0.05% discounted if holding PXP), and a subsequent withdrawal fee based on chain congestion and asset network—without quoting specific numbers to keep it evergreen.

Crypto Offering & Trading Features

Number of Coins & Pairs

Offering a robust selection, BYDFi supports over 550–900 cryptocurrencies and 600–800+ trading pairs for spot markets; the top 20 by volume typically include BTC/USDT, ETH/USDT, XRP/USDT and other high-liquidity altcoin pairs.

PointPay supports well over 140–200 cryptocurrencies with around 179–224 trading pairs available; top-20 volume pairs include BTC/USDT, ETH/USDT, XRP/USDC, SOL/USDT, USDC/USDT and others such as DOGE, ADA, LINK, AVAX, BNB.

Product Range

The platform delivers a versatile range of trading tools, including spot, perpetual derivatives (Coin-M & USDT-M), copy trading, automated bots (grid, martingale), DCA strategies, demo accounts, on-chain trading via MoonX, but currently lacks options, ETFs, staking, or lending.

At present, PointPay offers spot trading, staking (Vaults and flexible/locked terms), NFT and Launchpad features, savings/earn programs, and a multi-currency wallet; however, there’s no margin, perpetuals, options, ETFs, loans, copy-trading, grid bots, or automated DCA at this stage.

Liquidity

Liquidity remains moderate compared to major exchanges—with mid-level 24-hour volume and modest order book depth for BTC/USDT and ETH/USDT—implying that traders may encounter slightly wider pricing gaps than on deeper venues.

Estimated 24-hour trading volume ranges from around $138 million to over $206 million; order-book depth appears substantial for primary pairs like BTC/USDT and ETH/USDT, supporting solid liquidity for mainstream trading.

Tools

BYDFi includes a comprehensive toolkit

PointPay supports limit, market, stop-limit, and OCO orders; it includes advanced TradingView charts with multiple indicators and timeframes, has alert features, and provides API and WebSocket support for algorithmic access.

Geographic Restrictions by Product

Certain regions face limitations—derivatives or high-leverage tools may be unavailable in places like the United Kingdom or other restricted jurisdictions, reflecting regulatory constraints in those locales.

Derivatives and leverage aren’t available yet, and certain products are restricted in regions like the U.S. and other sanctioned countries, meaning advanced trading tools may not be accessible depending on your location.

Innovation

The platform shines with its innovative MoonX on-chain engine offering DeFi access to hundreds of thousands of token pairs, and provides flexible bot-driven strategies, yet it doesn’t currently offer launchpad/pool features or staking/earn products.

The platform provides Launchpad projects, a multi-asset Vault with flexible and locked staking (3, 6, and 12 month terms), and regular staking promotions, all aimed at enhancing user participation and passive income opportunities.

Security, Regulation & Custody

Operating Entity & Jurisdiction

BYDFi is legally operated by BYDFi Blockchain Limited, founded in April 2020, and is headquartered in Singapore; it serves a global client base under that corporate structure.

PointPay is operated by a Lithuania-based company founded in 2018, with its headquarters in Tallinn, Estonia, situating it within the European regulatory environment and offering it EU operational grounding.

Licenses/Registration

The platform holds Money Services Business (MSB) registrations in both the United States (FinCEN) and Canada (FINTRAC), but lacks explicit VASP or MiCA licensing in Europe, though it remains active across EU states.

The platform currently holds a Lithuanian VASP license and is registered in the U.S. as a Money Services Business (Wyoming MSB), while actively pursuing additional licensing in the U.S. and enhanced compliance under recent European crypto frameworks.

Custody

BYDFi uses its own custody with deep cold storage and multi-signature wallets, and transparently publishes proof-of-reserve data showing full backing plus buffer for assets like BTC, ETH, and USDT, along with a user protection fund of 800 BTC.

PointPay uses both hot and cold wallets, including air-gapped cold storage, with user-controlled wallet options, although there is no publicized Proof of Reserves or explicit cold-storage percentage disclosure.

Insurance & Protection Funds

A protection fund equivalent to 800 BTC is maintained to safeguard users’ assets in case of emergency situations or platform distress.

There is no publicly available information suggesting that PointPay offers dedicated insurance coverage or protection funds for users’ assets.

Incident History

There are no public records or reports of hacks, service suspensions, asset freezes, or regulatory fines associated with BYDFi to date, indicating a clean operational track record.

There have been no major reported hacks, systemic suspensions, or regulatory penalties associated with the platform to date, suggesting a clean operational track record.

Risk Controls

The platform enforces multi-layered risk safeguards such as Google Authenticator–based 2FA, withdrawal whitelist, anti-phishing systems, and granular API or sub-account permissions for additional user control.

The platform enforces standard security layers including multi-factor authentication, encrypted transaction passwords, and tiered KYC levels; however, features like API-specific permissions, sub-accounts, whitelists, or anti-phishing tools are not prominently highlighted.

Transparency

BYDFi publishes regular proof-of-reserve disclosures and maintains segregated user funds, though it does not appear to offer publicly visible monthly audit reports, wallet explorers, or guaranteed service-level agreements (SLAs).

While PointPay commits to regulatory alignment and security, it does not currently publish regular audit reports, Proof of Reserves documents, public wallet addresses, or formalized SLAs for uptime or response times.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

BYDFi allows fiat deposits through credit/debit cards, e-wallets, and bank transfers via partners like Transak, Coinify, Alchemy Pay, and Mercuryo; minimums vary by method, card and e-wallet deposits are typically nearly instant, while bank transfers may take 1–3 business days.

PointPay allows fiat deposits via intermediary services like Mercuryo and MoonPay, and possibly bank transfers, with straightforward minimums (e.g., around €25), though maximums vary by provider; processing times range from instant to a few hours or up to a couple of days depending on the channel.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

BYDFi offers trading with no KYC initially, but requires KYC for fiat withdrawals and higher limits; unverified users have lower withdrawal caps, while verified accounts unlock substantially higher limits and access to promotions.

PointPay’s KYC process is accessible through both app and website in five simple steps, typically completed within 24 hours; higher levels unlock full functionality such as trading, deposits, and withdrawals, while no-KYC users face limited access.

Withdrawals

Crypto withdrawals depend on verification level and risk-controls; limits escalate from modest (e.g., ~1.5 BTC/day) for unverified users to higher tiers for verified ones, and you can withdraw via supported networks like ERC20, BEP20, TRC20, with processing subject to blockchain conditions.

Withdrawals support common crypto networks (e.g., ERC20, TRC20), with limits like up to 10 BTC per withdrawal, and dynamic network fees; processing times have improved and can average 0.5 to 5 minutes for verified transactions.

Customer Support

BYDFi offers 24/7 live chat and email support, with a comprehensive FAQ and Help Center for self-service; response times are generally fast, especially via live chat, and documentation covers most common user inquiries.

PointPay offers live chat (often backed by bots and staff available 24/7) plus email support, although response times may vary; a knowledge base or FAQ section is available to help users find answers independently.

Languages & Localization

The platform provides a multilingual interface, displays balances and fees in multiple currencies (EUR, USD), and adapts to local regulations in supported countries, though full regulatory compliance varies by jurisdiction.

The platform supports multiple languages (over 18), displays fees in major currencies like EUR and USD, and has localized options for users—including regulatory adjustments based on region—for smoother experience.

App Quality & Stability

The BYDFi mobile app is regularly updated and widely reported as stable and responsive, with minimal crashes noted by users—reflecting consistent maintenance and enhancements over time.

PointPay’s mobile apps (iOS and Android) receive frequent updates with UI improvements and security enhancements (e.g., biometric login, 2FA fixes), though there are occasional user reports of withdrawal processing issues affecting app stability for some.

Experience, Performance & Ecosystem

UX/UI

Users describe BYDFi’s interface as intuitively unified—a single layout that handles both spot and futures trading seamlessly—making it accessible for beginners while offering sufficient power for advanced users, though explicit “Lite” vs. “Pro” toggles aren’t prominent.

PointPay offers distinct trading interfaces—“Quick Exchange” for fast, hassle-free trading, plus Classic and Advanced modes—which helps users smoothly transition from simple to more feature-rich views as they grow comfortable.

Performance

BYDFi’s robust infrastructure and low-latency design ensure fast order execution even during surges, reducing slippage and delays common in highly volatile periods.

A recent technological upgrade dramatically sped up load times and responsiveness, handling up to a million concurrent users, and significantly improving order execution even during high-volatility periods.

Education

The exchange offers a fully functional demo trading environment and a Q&A support hub, though comprehensive educational materials or guides in Spanish are limited or not prominently featured.

PointPay includes a “Learn & Earn” program with interactive lessons and rewards; however, it currently lacks a full demo simulator or dedicated educational content in Spanish.

Community

BYDFi maintains active official communities across Discord, Telegram, X, and Medium, and offers referral programs that reward users for onboarding others—building engagement through a global network.

The platform maintains an active presence via Telegram (English channel), regular AMAs, and a referral program that rewards users for inviting newcomers.

Integrations

Seamless integration with TradingView enables direct charting and trade execution inside the platform; plus, BYDFi connects with third-party tax tools like CoinLedger and Divly via API or CSV exports for streamlined financial tracking.

PointPay integrates TradingView directly for in-platform charting, and provides API access, though there’s no evidence of official tax tools, accounting software partnerships, or third-party trading bot integrations at this time.

Who Each One Is Best For

BYDFi suits traders who value low-latency order execution, demo environments, community engagement, and powerful interface features—all in a unified layout—making it ideal for users transitioning from beginner to more sophisticated strategies.

PointPay serves beginner-to-intermediate traders best—offering intuitive onboarding, guided trading modes, and educational incentives—while more advanced traders relying on professional-grade tooling or automation may find the platform’s current scope limited.