I just want to emphasize how tokenpay's integrated the use of PoS in order for a user to have their coins by holding their digital coins on a digital wallet.
TokenPay is fostering a strong user driven community by allocating 25% of the total coins produced for Proof-of-Stake rewards.
The TPAY rewards are given at a distribution rate of 5% per year. Rewards are pro-rated and distributed on a daily basis. A typical user with 100 TPAY in a TokenPay branded wallet will receive 5 coins per year or 0.0137 TPAY per day. In this way you can see how can Tokenpay work to every users they're going to have.