We started with Tap-to-Earn (like everyone else). People came, tapped, farmed… but let’s be real: that’s not how you build a real fintech product. So — games are out. No more “click for crypto

Now, HOLD isn’t free — it’s earned. How? By simply using Fintopio as a wallet. HP (Hold Points) — your new crypto sidekick. Earn them for real actions, swap them for HOLD later, or use them to slash fees. Like a CASHBACK where every crypto move cou

2,000,000 HP looks cool… but it’s a lot to count. Soon, we’ll rebalance ratios to make each HP more valuable. Your Old HP? Safe & Sound. We’re not resetting anything. You helped us grow — we won’t forget that. But going forward, new HP = real

They are also fine. All collected shiny rocks you’ll soon be able to exchange in the store (as soon as it will be up).

- Keep using Fintopio → earn HP as CashBack soon
- HP = fuel for our economy
- HOLD grows with real utility and so do your gains