# PayNova

> PayNova is a crypto-native neobank app that unifies fiat and crypto in one account, with the Nova Card (coming soon) and USDT/crypto payments for merchants. Operated by Okali Corp SL (Valencia, Spain) through regulated partners.

PayNova lets users hold, send, and spend euros and stablecoins (USDT) from a single mobile app, available now on Android (Google Play). Custody and settlement operate through regulated partners such as BitGo and the Avalanche network. Available in English and Spanish.

## Pages

- [Home](https://paynovabank.com/): Overview of the PayNova app, Nova Card, currency simulator and merchant payments.
- [Wallet](https://paynovabank.com/wallet): Multi-currency fiat and crypto wallet features.
- [How it works](https://paynovabank.com/how-it-works): Steps to open an account and move money.
- [Infrastructure](https://paynovabank.com/infrastructure): Technology and partner infrastructure.
- [Compliance](https://paynovabank.com/compliance): KYC/AML approach and regulated partners.
- [Contact](https://paynovabank.com/contact): Contact form and official channels.
- [Blog](https://paynovabank.com/blog): News and educational articles.

## Docs

- [Whitepaper](https://paynovabank.com/whitepaper): Full project whitepaper.
- [Litepaper](https://paynovabank.com/litepaper): Short summary of the project.
- [Full AI context](https://paynovabank.com/llms-full.txt): Extended description of PayNova for AI assistants.

## Optional

- [Android app](https://play.google.com/store/apps/details?id=com.paynova.wallet): Download PayNova on Google Play.
- [Privacy Policy](https://paynovabank.com/privacy): How personal data is handled.
- [Terms of Service](https://paynovabank.com/terms): Terms of use.
- [Legal](https://paynovabank.com/legal): Legal entity information.