# Pago Capital > Augmenting payment systems with cutting-edge blockchain technology Pago Capital is a crypto payments company offering a mobile wallet for blockchain-based payments on Algorand. It serves consumers and merchants seeking low-fee, real-time peer-to-peer and point-of-sale transactions. Pago Capital is a crypto payments company that provides a mobile wallet for sending, receiving, and spending digital funds. The wallet runs on a public blockchain and supports peer-to-peer transfers as well as point-of-sale payments for physical and online merchants, aiming to make blockchain-based payments more accessible, particularly in emerging markets. The wallet lets users create a simplified payment identifier in place of traditional account numbers, and process transactions with low fees and fast settlement. A transaction gateway allows businesses, payment processors, and point-of-sale systems to integrate blockchain payments without needing to build smart contracts directly. Security features include two-factor authentication for signing wallets alongside protections at the network and protocol levels. The core offering is the Pago mobile wallet, supporting cross-border remittance payments and point-of-sale payments, with additional demo integrations showing use cases such as retail checkout. It is used by individual consumers sending money across borders, as well as merchants and payment processors integrating crypto acceptance into existing checkout flows. - Type: Company - Sector: Payments - Status: Active - Founded: 2021-09-01 - Profile: https://thegrid.id/profiles/pago_capital ## Products - [Pago Wallet](https://thegrid.id/profiles/pago_capital): Pago Wallet is a self-custody mobile wallet built on the Algorand blockchain for sending and receiving digital payments. It uses a proprietary transaction gateway to let individuals, merchants, and payment processors settle transactions in seconds at low cost. Users can make peer-to-peer transfers and pay at physical or online points of sale using a simplified account identifier instead of a traditional address or card number. (Wallet, Live, Main Product) ## Assets - [Pago Coin](https://thegrid.id/profiles/pago_capital): Pago Coin is a digital asset issued by Pago Capital within the Pago Wallet ecosystem on the Algorand blockchain. It is used to incentivize usage and reward businesses and consumers who transact through the Pago platform. The token ties directly to Pago's own point-of-sale and peer-to-peer payment activity rather than functioning as a general-purpose currency. (Utility) ## Links - [Main](https://pago.capital) - [Terms of Service](https://pago.capital/terms-and-conditions) - [Privacy policy](https://pago.capital/privacy-policy) - [Twitter / X](https://x.com/PagoCapital) - [LinkedIn](https://www.linkedin.com/company/pagocapital) ## Legal This data is provided under two licensing models. Model 1 - open data. 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