Summary 

• Payment-Focused Exposure: Equal exposure to the five leading cryptocurrencies designed for fast, low-cost, borderless value transfer.

• Built-In Diversification: Equal weighting (20% each) spreads risk across multiple payment networks while capturing long-term growth in digital payments.

• Rules-Based & Automatically Updated: Monthly rebalancing keeps the bundle aligned with the most relevant payment-focused assets, held securely with institutional-grade custody.

What is a Crypto Bundle?

Crypto Bundles offer an easy, low-cost way to diversify across a curated selection of cryptocurrencies — similar to an index fund in traditional investing. 

Instead of selecting and managing individual coins, a Crypto Bundle provides you with a ready-made basket of assets that is automatically updated each month. This passive, rules-based approach removes the stress of choosing winners, storing multiple cryptocurrencies, and manually rebalancing your portfolio. 

By spreading your investment across a wider set of assets, Crypto Bundles help reduce risk, smooth out volatility, and align your holdings with the changing structure of the crypto market.

What is the Altify Payments Crypto Bundle?

The Payments (PAY) Crypto Bundle gives you equal-weighted exposure to the five largest payment-focused cryptocurrencies, with 20% allocated to each asset. 

These assets are designed to enable fast, low-cost, and borderless value transfer—positioning crypto as a viable alternative to traditional payment rails. By focusing on established digital payment networks, this bundle provides diversified exposure to cryptocurrencies that aim to function as everyday mediums of exchange. 

The Bundle is rebalanced monthly to ensure it always reflects the most relevant payment-focused assets in the market.

Crypto Bundle Information

• Constituents: 5 largest payment-focused cryptocurrencies
  
  
• Weighting: Equal (20% each)
  
  
• Rebalancing: Monthly
  
  
• Approach: Passive, rules-based, automatically updated
  
  
• Crypto Bundle Rebalancing Fee: From 0.085%*
  
  
• Custody: Securely held with Fireblocks infrastructure

*Altify's rebalancing fee varies based on your reward level ranging from 0.085% per month to 0.17% per month.

Top Crypto Holdings

The PAY Crypto Bundle currently includes the following five assets, each equally weighted:

• Bitcoin (BTC): The original decentralised digital currency, widely used as a peer-to-peer payment network and store of value.
  
  
• XRP (XRP): A payments-focused cryptocurrency designed to facilitate fast and low-cost cross-border transfers.
  
  
• Stellar (XLM): A blockchain network focused on global payments and financial inclusion, particularly for remittances.
  
  
• Bitcoin Cash (BCH): A peer-to-peer digital currency optimised for faster and cheaper everyday transactions.
  
  
• Litecoin (LTC): One of the earliest payment-focused cryptocurrencies, designed for speed and low transaction costs.

Together, these assets represent the core infrastructure of decentralised digital payments, spanning retail transactions, remittances, and cross-border settlements.‍

Why Invest in This Crypto Bundle?

Own the Future of Payments

As the global economy shifts toward digital-first payments, cryptocurrencies offer an alternative to legacy financial systems. This bundle provides exposure to networks built specifically for fast, secure, and borderless payments.

High Growth Potential

Digital payments continue to expand globally, particularly in regions with limited access to traditional banking. By investing in leading payment-focused cryptocurrencies, this bundle captures the potential upside of this structural shift.

Automatically Updated

The PAY Crypto Bundle is rebalanced monthly, ensuring that each asset maintains equal weighting and that only the largest and most relevant payment-focused cryptocurrencies remain included as the market evolves.

Professionally Monitored

Every Altify Crypto Bundle follows a clear rules-based methodology. Our investment team and digital monitoring tools assess asset and market relevance continuously, helping you stay invested with confidence.

Risks

The PAY Crypto Bundle is classified as Risk Category 5, reflecting the high volatility and early-stage nature of metaverse and gaming-related crypto assets. Asset prices can fluctuate significantly, and investors may receive back less than their initial investment. Additional risks include regulatory uncertainty, liquidity risk, custodial risk, technology adoption risk, and tax considerations depending on your jurisdiction. Crypto assets are a relatively new asset class, and past performance is not indicative of future results. Investors should ensure they are comfortable with the higher-risk profile before investing.

For more information on Altify’s risk categories, read here.