# Value Added Features

## 1. Value added services through payouts from USDT:

* Gift Cards
* Mobile Talk-time and Data Top-Up:
* Mobile Wallet Top-up
* Fund Transfer to bank

## 2. Supporting other crypto projects:

* Listing Tokens of other projects on Koinbay
* Launchpad - IEO for other token projects

## 3. Earnings:

* Staking
* Savings
* Centralized Crypto Loan

## 4. Decentralized services:

* Decentralized Crypto Loan
* Decentralized Swap
* Decentralized Exchange

## 5. Reward systems:

* Referrals
* Incentives based on frequency and volume of trading transactions


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