Be warned, TokenPay didn't develop the cryptocurrency, they lack the developers and ability to do that, what they did is copied (!!!) Spectrecoin (XSPEC) cryptocurrency code (!!!) which is open source.

The Verge lead developer auditor actually audited the development work of Spectrecoin (XSPEC) which TokenPay copied. TokenPay team lack the ability and skills to develop and maintain this cryptocurrency, if anything go with the original which is Spectrecoin (XSPEC), as Spectrecoin is getting better and better. TokenPay already uses an old version of Spectrecoin, the newer version is already better AND Spectrecoin v2 is on it's way and it's going to be even much better then the current Spectrecoin version.

TokenPay = Copied code of Spectrecoin + A promise of a bank.