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Alpha ePay is the payment processing platform of the Alpha ePay Customer Loyalty and Interest Free Finance Program and is commonly referred to as the Alpha Program.

Alpha ePay dollars is a general term used to define Alpha ePay silver and Alpha ePay gold dollars.

Alpha ePay dollars are a complementary, digital, transaction based currency that acts as money in their role as a unit of account.

One Alpha ePay dollar is comparable in value to one fiat ("Cash") dollar and like cash dollars the purchasing power of Alpha dollars is subject to the twin factors of supply and demand.

Alpha ePay dollars are the dollars stored in Alpha ePay Silver Accounts

Alpha ePay gold dollars are the dollars stored in Alpha ePay Gold Accounts 

An Alpha ePay silver dollar credit line is a set line of credit where the balance may go up and down over a period of time.  

An Alpha ePay gold dollar loan is a loan that is normally extended for a period of time longer that six months with fixed monthly repayments.

A registration reward is the s$100.00 Alpha ePay silver dollars paid to those who open an Alpha ePay Personal Account using their mobile number as verification.

Members receive an Alpha ePay purchase reward of:
▪ 20-100% of the purchase price paid back in Alpha ePay silver dollars into their Alpha ePay Silver Account when they make a purchase paid for in Cash, Master, Visa, American Express, Maestro, Diners and JCB Cards and or Bitcoin, Bitcoin Cash, Ethereum, Litecoin and XRP digital currencies.

eg. Spend $100.00, seller offers to pay 30% of the purchase price back as a reward. (That's s$30.00 Alpha ePay silver dollars for FREE).

Members receive a referral reward of:
▪ s$30.00 Alpha ePay silver dollars paid into their Alpha ePay Silver Account for each personal referral who opens an Alpha ePay Personal Account using their mobile number for verification.

▪ s$20.00 Alpha ePay silver dollars paid into their Alpha ePay Silver Account for each of their Referrals referrals who opens an Alpha ePay Personal Account using their mobile number for verification.

Applicants may open one Personal and one Commercial Account for free.

There are three types of Alpha ePay Personal Accounts which may be used to accept and pay funds.

Alpha ePay Cash Account (Symbol c$)
Members can load their Alpha ePay Cash Account with funds from their fiat debit/credit cards.

They can in turn transfer these funds to other members Alpha ePay Cash Accounts to pay for the cash portion of purchases or pay transaction fees if applicable or purchase Alpha eMarket and Alpha ePay Royalty Licences.

They may also transfer funds in their Alpha ePay Cash Account to their Bank Account.

Alpha ePay Gold Account (Symbol g$)
Members can transfer Alpha ePay gold dollars from their Alpha ePay Gold Account to the Alpha ePay Gold and or Silver Account of others.

Alpha ePay Silver Account (Symbol s$)
Members can transfer Alpha ePay silver dollars from their Alpha ePay Silver Account to the Alpha ePay Silver Account of others.

There are four types of Alpha ePay Commercial Accounts which may be used to accept and pay funds from.

Alpha ePay Cash Account (Symbol c$)
Members can load their Alpha ePay Cash Account with funds from their fiat debit/credit cards.

They can in turn transfer these funds to other members Alpha ePay Cash Accounts to pay for the cash portion of purchases or pay transaction fees if applicable or purchase Alpha eMarket and Alpha ePay Royalty Licences.

They may also transfer funds in their Alpha ePay Cash Account to their Bank Account.

Alpha ePay Gold Account (Symbol g$)
Members can transfer Alpha ePay gold dollars from their Alpha ePay Gold Account to the Alpha ePay Gold and/or Silver Account of others.

Alpha ePay Silver Account (Symbol s$)
Members can transfer Alpha ePay silver dollars from their Alpha ePay Silver Account to the Alpha ePay Silver Account of others.

They may also use Alpha ePay silver dollar to purchase Alpha ePay reward dollars when they wish to use their Alpha ePay silver dollars to purchase Alpha ePay reward dollars. 

Alpha ePay Reward Account (Symbol r$)
Members can transfer Alpha ePay reward dollars from their Alpha ePay Reward Account to the Alpha ePay Silver Account of others as a reward for numerous endeavors.

Alpha ePay silver dollar credit lines must be partially collateralized by Alpha ePay or Alpha eMarket Royalty Licences.

Alpha ePay silver dollar credit loans must also be partially collateralised by Alpha ePay or Alpha eMarket Royalty Licences and the balance of both collateralised by a personal guarentee from the applicant. 

Alpha ePay and Alpha eMarket Royalty Licences may be purchased through the Alpha Revenue Exchange. 

You may repay interest free Alpha ePay silver dollar credit lines with Alpha ePay silver dollars received for free as a reward, or from selling unwanted items or providing services to other members through listings in the Alpha eMarket accepting Alpha ePay silver dollars towards payment.

You may repay interest free Alpha ePay gold dollar loans with Alpha ePay gold dollars received for from selling unwanted items or providing services to other members through listings in the Alpha eMarket accepting Alpha ePay gold dollars as full payment.


Complementary digital currency is a record of exchange that functions alongside the national fiat currency of a country. Complementary digital currency systems have four main purposes.
• To promote localized community economic development
• To build social capital
• To nurture more sustainable lifestyles for community residents
• To fulfill a need that the fiat currency ("Cash") does not fully fulfill.

Alpha ePay dollars are a complementary digital currency. 

Fiat currency is defined as the currency of a country that the government has legislated as the country’s legal tender

The following information is provided for those who are domiciled in Australia. For other countries refer your questions to a qualified account domiciled in same.

In the majority of instances, the Tax Regulations normally applicable to the nature of fiat transactions are similarly applied to transactions where Alpha ePay dollars is received or paid, in the same manner.

i.e. Business Related Expenses Majority Tax Deductible
Personal Income and Purchases Tax Regulations Applicable

If you are domiciled in Australia please referrer to Australian
Taxation Ruling NO. IT 2668.
REF: Barter and Counter trade Transactions.
Following extract from Australian
Taxation Ruling NO. IT 2668.

"11. By way of contrast, consideration which is merely the proceeds of a hobby, pastime, domestic or social arrangement, or the receipt of a windfall gain would not fall within the concept of income in subsection 25(1).
For example, neighbors who exchange some home-grown vegetables over the back fence will not have derived income in terms of subsection 25(1).

Also, benefits derived from the use of informal babysitting clubs would
not fall for assessment under subsection 25(1).

It is noted that a large proportion of transactions made through community-based countertrade organisations (Like the Alpha ePay) would not fall within the concept of income in subsection 25(1).

Only those transactions within these organisations which arise from the carrying on of a business or the provision of skilled services would
generally fall for consideration as assessable income." 

You may spend the Alpha silver dollars with those promoting to accept them towards payment as listed in the Alpha eMarkets.

Debt free money systems are used by community based local employment trading systems  such as (Lets) and business based alternative market systems such as BBX, and Bartercard, as they allow approved participants to borrow currency interest free through a mutual credit system. Alpha ePay dollars are debt free money.

Debt based money systems are used by commercial banks that allow customers to borrow fiat money with interest.    

Credit is the most important part of the economy.  Credit leads to an increase in spending, thus increasing income levels in the economy.

This in turn leads to higher GDP (gross domestic product) and thereby faster productivity growth

• Alpha ePay dollars are an asset of those who have positive account balances.
• Alpha ePay dollars are a liability of those who have negative account balances. 

Alpha ePay dollars acts as money in their role as a unit of account to record:
• value offered to induce the fiat payment of commodities promoted for sale
• value accepted to induce the purchase of commodities promoted for sale
• value offered to induce timely payment of account receivables
• value accepted to offset fiat debts

The use of Alpha ePay dollars as other forms of complementary digital currency are legal and are recognised in most countries by:
• banks as payment towards the purchase of property; and,
• government departments such as the tax office 

Alpha ePay dollars are created (by a similar method used by banks when they extend credit) when Alpha ePay extends Alpha ePay dollar credit lines and loans on behalf of Alpha ePay members.

About Us

Alpha ePay is a payment processing platform primarily used by members to pay, borrow, receive and spend Alpha silver dollar rewards.

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