Comparison of Htx vs Pointpay [ 2024 ]

The crypto exchanges compared by their commissions, cryptos, security and much more. Here is the Htx vs Pointpay comparison!

Your expert: Alejandro Borja

Htx

Your expert: Xavier Tarrasó

Pointpay

Main points

Fees

≤0,20%

Earns

Customer service

2/5

0.05%

Fees

Yes

Earns

3/5

Customer service

Recommended for

Beginners

Trading

Passive income

Buy and hold

Yes

Beginners

Yes

Trading

Yes

Passive income

Yes

Buy and hold

Comparison of fees

Rating

4.1 – Competitive fees with additional rewards for using the native token.

3.9 – Reasonable fees with additional benefits for crypto banking.

Level

≤0,20%

0.05%

Brief explanation

HTX employs a tiered fee structure, with trading fees decreasing as users trade more or hold more HTX Tokens (HT). The base trading fee for users with less than 10 HT is 0.20% per trade. However, by holding HT, users can receive significant discounts on these fees, reducing them to as low as 0.07% for high-volume traders. Additionally, HTX offers competitive fees for deposits and withdrawals, depending on the method and currency used. Crypto deposits are generally free, while fiat deposits and withdrawals can incur minimal fees. HTX’s fee structure is designed to be transparent and user-friendly, ensuring that traders can focus on their trading strategies without worrying about hidden costs .

PointPay’s commission structure is designed to be competitive and accessible for traders of all levels. The platform primarily operates on a flat fee model for trading, charging fees that are generally considered lower than the industry average. For instance, PointPay charges a trading fee of 0.05% for both makers and takers, which is appealing because it is below the typical rates found at many other exchanges. This low fee structure is particularly advantageous for active traders who perform frequent transactions, as it helps to keep trading costs down and maximize potential profits. Moreover, the absence of different fees for makers and takers simplifies the trading process, making it easier for beginners to understand and calculate their trading costs upfront without surprises.

Htx

1. Security Measures HTX takes security seriously with features such as cold storage, two-factor authentication (2FA), and SSL encryption. These measures ensure user funds and data are well-protected, reducing the risk of unauthorized access and cyber threats.
2. High Liquidity HTX ranks among the top cryptocurrency exchanges globally, offering deep liquidity for popular trading pairs. This high trading volume ensures efficient order execution and minimizes slippage, making it a reliable platform for large and small traders alike.
3. Transparent Fee Structure HTX maintains a competitive and transparent fee structure, catering to a wide range of traders. The clear breakdown of deposit, trading, and withdrawal fees helps users understand and manage their trading costs effectively.
4. Regulatory Compliance While HTX operates in an essentially unregulated environment, it adheres to strict compliance protocols in regions like Hong Kong and Nevada. This regulatory oversight provides an additional layer of trust for users concerned about the legal standing of their trading platform.
5. Positive Reputation and Reviews HTX has built a strong reputation over the years, supported by generally positive reviews from its extensive user base. The platform's longevity and consistent service quality contribute to its credibility in the competitive crypto exchange market.

Pointpay

Regulation Compliance: PointPay operates under the cryptocurrency laws of the UK and Estonia, providing a regulated environment which enhances user trust and security.
Security Features: The platform employs robust security measures, including two-factor authentication and encrypted communication, to protect user data and funds.
Reputation and Reviews: Since its launch, PointPay has maintained a positive reputation in the cryptocurrency community, supported by favorable user reviews that often highlight its reliability and user-friendly interface.
Customer Service: PointPay offers comprehensive customer support with multiple channels including live chat, ensuring users can get assistance whenever needed.
Innovative Financial Products: The integration of various financial services such as a crypto bank, a multi-currency wallet, and options for crypto-backed loans provides users with a versatile and comprehensive trading and banking experience.

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Account Minimum

Get started with just $100.

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Direct link to the website

Product selection

Native token

Earns

Yes

NFT marketplace

Cripto/debit card

Full name

Unknown

Point Pay Ltd.

Regulation

Not regulated

Year founded

Unknown

2018

Founder

Unknown

Andrey Svyatov

Payment methods

Transfers

Mastercard

Yes

Wire transfer

Card

Yes

Comparative table

Htx	FEATURES	Pointpay
The minimum trade amount is user-friendly, accommodating small-scale traders.	Minimum Trade	PointPay allows users to start trading with relatively low minimums, making it accessible for beginners.
HTX has competitive fees, with discounts available for HT holders, though some markets have higher fees.	Trading and Transaction Fees	PointPay offers competitive trading fees which are lower than many other platforms, making it cost-effective for traders.
Supports over 700 cryptocurrencies, making it one of the most comprehensive exchanges.	Number of Cryptocurrencies	While PointPay supports popular cryptocurrencies, its range is narrower compared to larger exchanges. More variety could enhance trading opportunities.
Offers more than 230 trading pairs, providing extensive trading options.	Crypto-to-Crypto Trading Pairs	The platform provides several trading pairs, but the selection is less extensive than what is found on more established exchanges.
Generally transparent, though some users report difficulty finding specific fee details.	Website Transparency	PointPay maintains high transparency regarding fees, services, and operational procedures, which helps built trust among users.
HTX does not currently offer its own exchange card for customers to use for in-store purchases and receive benefits.	Credit/Debit Card	This absence could be a significant drawback for users who seek the convenience of directly spending their crypto holdings in a traditional manner, such as through point-of-sale transactions or online shopping using a card linked directly to their cryptocurrency accounts.
Utilizes cold storage for the majority of funds, ensuring high security.	Storage Offering	PointPay offers secure storage solutions, including a multi-currency wallet that supports various cryptocurrencies.
Offers staking on multiple assets with competitive APYs, though availability can be limited.	Staking and Rewards	The platform offers staking options, but the benefits and yields are less competitive compared to leading platforms focused on staking.
High-rated mobile app with robust features; desktop app available and efficient.	Mobile App and Desktop	PointPay provides both mobile and desktop applications that are user-friendly and feature-rich, though some users may find the mobile app lacks certain advanced features.
Provides multiple support channels, but response quality can be inconsistent.	Customer Service	PointPay has a responsive customer service team accessible through multiple channels, although response times can vary during peak times.
Supports various methods, but fiat withdrawals are limited; some users find the withdrawal process complex.	Deposit and Withdraw	Deposits and withdrawals are handled efficiently, but the options for fiat transactions are limited, which could be inconvenient for some users.

Key features

Analysis tools

Unknown

Basic charting tools

Mobile APP

Security

High 4,9/5

High 4,6/5

Additional features

Margin trading, futures trading, staking, HTX token (HT) rewards

Crypto banking, staking, PointPay token (PXP) rewards

Anonymity

Yes

Key points

Available cryptocurrencies

Information not readily available

50+

User-friendliness

HTX provides a straightforward and easy-to-use platform that is ideal for beginners. The interface is clean and intuitive, making it easy to navigate and execute trades.

PointPay features an intuitive and user-friendly interface that is easy to navigate, making it suitable for beginners. The platform focuses on providing a seamless trading experience.

Value for money

Provides decent value for money with competitive fees and a user-friendly interface, though it may lack some advanced features.

Delivers reasonable value for money with competitive fees and a user-friendly interface, though it may lack some advanced features.

Countries of operation

China, Singapore, United States, Canada, Australia

United States, Canada, United Kingdom, Australia, Singapore

Best for

Ideal for traders seeking a user-friendly platform with competitive fees and a wide range of supported cryptocurrencies.

Best for traders seeking a user-friendly platform with competitive fees and a wide range of supported cryptocurrencies.

Base currencies available

Not widely known

USD, BTC

Account

Trading

HTX provides a secure and user-friendly platform with a good selection of cryptocurrencies. It offers competitive fees but lacks some advanced trading features.

PointPay provides a secure platform with a decent range of cryptocurrencies and competitive fees. It offers additional services like staking and loans but lacks advanced trading tools.

Deposit and withdrawal

HTX provides multiple deposit options, including bank transfers and cryptocurrencies. Withdrawals are processed quickly, with competitive fees.

PointPay supports various deposit and withdrawal methods, including bank transfers and crypto. Withdrawals are processed efficiently, with low fees.

Account opening process

HTX offers a seamless account registration process. Users need to fill out personal details and verify their identity. The process is fully digital and typically completed within a day.

PointPay offers an easy and quick account registration process. Users need to provide personal details and verify their identity. The process is fully digital and typically takes less than a day to complete.

KYC required?

Yes

Customer Service

HTX offers support through email and live chat. The response time is quick, but the support team is not available 24/7, which may be a drawback for some users.

PointPay offers support through email and live chat. The response time is quick, but the support team is not available 24/7, which may be a drawback for some users.

Security

HTX provides strong security with 2FA and encryption. Despite its robust security measures, the platform lacks regulation from top-tier financial authorities, which could be a concern for some investors.

PointPay ensures security through 2FA, encryption, and cold storage. Despite its strong security measures, the platform is not regulated by top-tier financial authorities, which could be a concern for some investors.

Which of these exchanges is for you?

Alejandro Borja

As a cryptocurrency analyst, I find HTX to be a robust platform suitable for a range of trading needs. With over 700 cryptocurrencies available and a variety of advanced trading options, HTX caters to both novice and experienced traders. The platform’s security measures, including two-factor authentication and cold storage, provide significant peace of mind. However, its complex interface can be daunting for beginners, and higher fees in some markets may affect frequent traders. Despite these drawbacks, HTX’s extensive offerings and solid security make it a compelling choice for serious traders .

Xavier Tarrasó

As a cryptocurrency analyst who has extensively reviewed various platforms, I highly recommend PointPay for both newcomers and seasoned traders. Its all-in-one platform is especially beneficial for users looking to manage multiple crypto activities from a single account. The ease of use, combined with robust security measures and a regulated environment, makes PointPay a trustworthy choice. Whether you’re interested in trading, staking, or simply managing a diverse portfolio, PointPay offers a user-friendly and comprehensive solution that caters to all your cryptocurrency needs.

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How do we review crypto exchanges?

At Threenvest, we conduct a thorough review process to evaluate and rank the world’s leading crypto exchanges. Our goal is to offer an unbiased assessment, providing you with the information you need to make informed decisions on which ones best suit your needs. We strictly adhere to the guidelines of our editorial policy.

We collect data directly from exchanges through detailed questionnaires and conduct first-hand testing and observations during crypto exchange demonstrations. Questionnaire responses, combined with demonstrations and hands-on research from our experts, feed into our proprietary evaluation process that scores each provider’s performance on more than 15 factors. The end result produces star ratings ranging from poor (one star) to excellent (five stars).

For more details on the categories considered when rating brokers and our process, read our full methodology.

Risk Disclaimer

Investing in cryptocurrencies is very risky, you should only invest the money you are willing to lose. Also you should not expect to be protected if something goes wrong.

Neither Threenvest, nor the author, are recommending you to invest with this article.