Smart Energy Pays (SEP) is a next-generation financial platform designed to bridge the gap between sustainable energy initiatives and blockchain technology. By integrating decentralized finance (DeFi) solutions with eco-friendly investments, SEP provides users with a secure, transparent, and innovative financial experience that supports the global transition to clean energy.

We offer different tiers of service, including a Starter, Basic, Plus, Premium, Platinum plans and features that require a subscription.

Currently, SEP is available exclusively via browser. A mobile app (iOS/Android) will be released later this year.

The platform is currently available in German and English. Additional languages will follow.

You can Register directly via smartenergypays.io. Enter your full name, email address, and a password, and confirm the terms and conditions. You will then receive an activation email. Once you confirm the activation link, you can log in.

For a personal account, your full name, a valid email address, and later an identification document for verification (KYC) are sufficient.

If you forget your password, click on Forgot Password in the login area. You will receive an email with a link to set a new password.

You can easily manage and update your account details from within your dashboard. Once you're logged in, all the important options are available under My Account. Here's how it works:

Note: You can update all details except your email address, which cannot be changed from the dashboard.

Yes, you can request account deletion through your account settings. Please note this action is irreversible.

Smart Energy Pays currently provides full support in German and English. Both our digital platforms and customer service channels are available in these languages, ensuring an accessible experience for all clients. You can set your preferred language in your account settings at any time. All core features, documents, and communications are available in both German and English. Our support team is trained to assist customers seamlessly in either language.

If you need assistance, our support team is here to help. You can reach us in the following ways:

We'll review your request and respond as promptly as possible.

Smart Energy Pays provides five different subscription plans to fit your needs:

For a detailed overview of features and pricing, please visit our Pricing Page.

We currently offer the following account types on the Smart Energy Pays Platform:

• Wallets (Crypto Account): Store, deposit, withdraw, and transfer crypto. You can also exchange crypto to fiat within the Platform.

• Reap (Fiat Virtual Account): Transfer crypto from your wallet, exchange it to fiat, and withdraw or receive fiat.

• Jdb (Fiat Offshore Account): Transfer crypto to fiat (exchange), and withdraw or receive fiat internationally.

• Reward (Crypto Reward Account): Collect rewards and bonuses for various actions.

We offer different types of cards linked to your accounts:

• Virtual Visa Reap Card: A virtual card for users with a Reap account.

• Plastic Visa Reap Card: A physical card for users with a Reap account.

• Plastic Visa JDB Card: A physical card for users with a Jdb account.

• Metal Visa JDB Card: A premium metal card for users with a Jdb account.

Yes. In addition to password protection, you can enable two-factor authentication (2FA) for extra account security.

KYC ("Know Your Customer") is a legal requirement designed to protect you. It prevents fraud and money laundering.

Typically 1–2 business days. If you register over the weekend, processing starts on Monday.

Enter your full legal name exactly as it appears on your identity document:

• First name

• All middle names (if applicable)

• Last name(s)

If a middle name is missing or abbreviated, the KYC process will often be rejected.

Always use the exact spelling from your ID (including hyphens, accents, and umlauts).

Typically 1–2 business days, status visible in the dashboard.

• Do not use scanned images – only clear photos

• Remove any covers or sleeves from your ID

• Make sure your profile name and address match the documents exactly

In addition to the standard information, companies must provide:

• Company incorporation documents

• List of directors and shareholders

• Identification documents for all shareholders with more than 20% ownership

• Company seal and administrator's signature

• KYC: approx. 1–2 business days

• KYB (Business Accounts): approx. 5–7 business days

• Incorporation documents (e.g. certificate of incorporation, articles of association)

• List of directors and shareholders

• Identity and address verification for all shareholders with more than 20% ownership (same KYC as above, including full legal name with middle names)

• Company stamp and administrator's signature

• KYC: approx. 1–2 business days

• KYB: approx. 5–7 business days (depending on completeness of documents)

• All names must be entered in full (including middle names)

• Documents must not be older than 3 months

• All files must be uploaded completely and be clearly legible

Smart Energy Pays (SEP) offers three types of wallets, each with specific functions:

• Generated when you first access the Wallet section in your account

• Supports sending, depositing, staking, swapping, and all features supported by the Smart Energy Chain

• Automatically generated when your account is created

• Provides seamless on-ramp and off-ramp services

• Special wallet generated exclusively for customers on the OTC list

• This wallet is only for OTC customers and does not allow deposits for anyone — it only shows the balance

Each wallet is designed to provide flexibility, functionality, and security based on your needs.

To deposit cryptocurrency into your SEP Wallet, follow these steps:

To send SEP from your SEP Wallet, follow these steps:

OTC Customers are special clients who have invested with Smart Energy Pays and are included in the OTC List. There are two categories of OTC Customers:

Being on the OTC List identifies you as part of a select group of customers with tailored solutions and exclusive opportunities.

The Smart Energy Pays (SEP) Staking Platform offers users the opportunity to stake their SEP coins and earn attractive rewards through exclusive Clubs. Depending on the amount staked, users can join the Silver Club, Gold Club, or SEP Honour Club, each providing a fixed one-year lock period and tiered bonus rates of 5%, 7.5%, and 10%. By participating in staking, users not only benefit from consistent returns but also contribute to the growth and stability of the Smart Energy Chain ecosystem.

In addition to the SEP Coin, more than 200 other cryptocurrencies are supported.

• Crypto deposit: Retrieve the wallet address from your dashboard → scan the QR code or copy the address → send your coins

• Wire transfer (SWIFT/SEPA): Transfer USD or EUR to your virtual or offshore account

• Crypto: a few minutes (depending on the network)

• Wire transfers: 3–7 business days

Yes. Limits depend on the selected account model. Detailed information can be found at smartenergypays.io.

• Crypto withdrawal: Funds are sent directly to your external wallet address

• Fiat withdrawal: Funds are transferred from your virtual or offshore account to an external bank account (SWIFT/SEPA)

Yes, SEP Coins can be staked within available programs. Potential rewards depend on market conditions and are not guaranteed.

Yes, referrals are rewarded. Details can be found at smartenergypays.io.

A full overview of all five account models (Starter, Standard, Premium, Business, Platinum) including features and fees can be found at smartenergypays.io.

• Virtual cards (USD) for online payments

• Physical offshore cards (Visa), issued through our partner bank JDB Bank in Laos

Virtual cards can currently be connected to Google Pay and Apple Pay.

Yes, our cards are accepted worldwide wherever Visa is supported. Please note that certain merchant categories, such as gambling or money transfer services, may be restricted.

A detailed and up-to-date overview of fees, limits, and services is available anytime at smartenergypays.io.

The current list of supported and restricted countries can be found here: smartenergypays.io.

Please check availability before opening an account.

We use industry-standard encryption and security measures to protect your data.

We only share information as outlined in our Privacy Policy and with your explicit consent. Your personal data is protected under strict confidentiality agreements and is never sold to third parties. We may share information only in specific circumstances such as legal requirements, fraud prevention, or with your explicit permission. For complete details on how we handle your information, please review our Privacy Policy.

If you notice any suspicious activity on your account, contact our support team immediately through the following channels:

We'll review your report promptly and take appropriate action to secure your account. For urgent security concerns, please use the email option for faster response times.

All legal documents, including Terms & Conditions, Privacy Policy, and AML/KYC Policy, are available on our Platform under the Legal & Regulatory Information section.

We comply with international Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. Users must verify their identity to access certain services and account features.

• Institution-guaranteed deposit protection of at least 70% for every customer's funds – whether held in cryptocurrencies or fiat currency, for both virtual and offshore accounts

• Compliance with international security standards (ISO 27001, PCI-DSS, SOC 2)

• Crypto wallets are secured primarily in cold storage

• All transactions are processed on the Smart Energy Chain – transparent and fully auditable

Smart Energy Pays is not a credit institution. All account services are provided through licensed partner institutions outside the EU.

Each account is set up with a 12-month term.

You can terminate your account at any time, but notice must be given at least 4 weeks before the end of the current term. If no termination is submitted, the account is automatically renewed for another 12 months.

Account closure can be requested directly in the dashboard under "Settings" or via customer support.

Your funds will be transferred to your registered wallet or account after deduction of any applicable fees.

You can make payments through your dashboard using various supported payment methods.

We support wire transfers, credit/debit cards, and various cryptocurrency payments.

Your transaction history is available in the Transactions section of your dashboard.

The transfer flow on our Platform is designed to guide you step by step and ensure secure transactions within the Biptap ecosystem:

On confirmation, the transfer is processed immediately. This flow ensures transfers are secure, transparent, and properly routed to the correct account.

Withdrawals depend on the account type you select:

• Virtuales USD → Withdrawals are not allowed. Please transfer to Crypto first.

• Crypto → Funds can be withdrawn to your Crypto Wallet.

• Offshore USD → Funds can be withdrawn to an external account (SEPA or SWIFT) after adding a beneficiary.

Before confirming, the system will show a summary of your withdrawal (from account, destination, amount, and fees). Fees are automatically calculated through the Biptap API. Once confirmed, your transaction is processed and a reference ID is provided.

You can add funds to your account without restrictions. The Top Up limit is unlimited across all plans:

• Starter: Unlimited

• Basic: Unlimited

• Plus: Unlimited

• Premium: Unlimited

• Platinum: Unlimited

Users can withdraw funds freely. The Withdraw limit is unlimited for all plans:

• Starter: Unlimited

• Basic: Unlimited

• Plus: Unlimited

• Premium: Unlimited

• Platinum: Unlimited

Card Top Up allows you to load money onto your payment card:

• Starter plan: Not available

• Basic: Unlimited

• Plus: Unlimited

• Premium: Unlimited

• Platinum: Unlimited

This limit defines how much you can spend in a single card transaction (TAP):

• Starter plan: Not available

• Basic & Plus: Up to US$50,000 per transaction

• Premium & Platinum: Up to US$250,000 per transaction

This limit applies when withdrawing cash at ATMs:

• Starter & Basic: Not available

• Plus: Up to US$2,000 daily

• Premium & Platinum: Up to US$3,000 daily

• By email: support@smartenergypays.io

• Via the dashboard under the "Support" section

• Email address

• Transaction ID or hash

• Amount and currency

• Screenshots (if available)