Why PayCoupons?

Safe & Secure

Coupon issuers will only accept coupons as payment that were obtained orderly. In this way, security risks are very low.

Easy to Use

No crypto jargon, no new concepts. Everyone knows coupons.

Stable Price

Coupons are speculation protected and inflation resistant.


Companies already use coupons, and coupons are legal.


Q4 2012

The idea

The founders come up with an idea to help solve unemployment after the Great Recession.

Q2 2013


The European Commission provides 20,000 EUR in seed funding via the European Social Innovation Competition.

Q4 2013

Core algorithm

We finish a performant implementation of our core innovation, the network barter algorithm.


Platform development

We develop multiple version of our pay.coupons platform software until it is truly user friendly.

Q4 2017

Formal incorporation

The PayCoupons project incorporates in Berlin, Germany as PayCoupons GmbH.

Q2 2018

PCT fee payments

PCT tokens will be accepted as a payment method on the PayCoupons exchange platform, pay.coupons.

Q3 2018

Webshop integrations

Payment modules for several open source webshop systems that provide “PayCoupons” as a payment method, using the new public payment API of the pay.coupons platform.

Q4 2018

Smartphone wallet app

We release the offline wallet software for PayCoupons is released as an open source smartphone app for Android. It includes offline payment functionality.

Q1 2019

Security audit

After this audit, the PayCoupons exchange platform and the offliine wallet application can be considered ready for productive use with large values of coupons.


  • Matthias Ansorg

    Matthias Ansorg


    Computer scientist who works as a self-employed IT professional. Matt is interested in all things about alternative economics, including timebanks, complementary currencies, cryptocurrencies and credit-based schemes.

  • Daniel Ansorg

    Daniel Ansorg


    Software developer and entrepreneur. Daniel is passionate about making software as easy and useful as possible.

PCT Token Distribution

Here you can redeem your free PCT!

Share your love of digital currency

You get 10 PCT tokens when you sign in to our Referral Program.
You get 10 PCT for every friend you invite to our Referral Program. Learn more
By clicking “Sign in with Facebook” or "Sign in with LinkedIn", you agree to our Terms and Conditions and confirm that you are not a citizen of or resident of the USA, China, Japan, South Korea, Canada, New Zealand. We’ll occasionally send you account related emails.
Enter your email-address to get notified about our upcoming airdrops.


PayCoupons Tokens (PCT)

PayCoupons Tokens (PCT) are a value token on the Stellar blockchain, created by PayCoupons GmbH as a means of paying fees for using the pay.coupons platform.

To be able to accept our PCT token, you first have to create a trustline from your account to our token, using the following data:

  • Asset code: PCT
  • Anchor Domain: pay.coupons

Depending on your Stellar wallet, you might have to enter this instead of an anchor domain:

  • Issuer Account ID:

You can do this operation with most of the available Stellar wallets. It is sometimes named differently ("create trust", "accept asset", "trust issuer"). If you can't find it in your favourite wallet, you can follow our instructions below for the StellarTerm web wallet below. (You can use StellarTerm just for this process, then continue with your favorite wallet. Because your tokens and trustlines are not stored in the wallet but in the Stellar blockchain!)

Trusting our PCT token with StellarTerm web wallet

  1. Log in to StellarTerm. Open the StellarTerm web wallet and log in with your Stellar account's secret key – or if necessary, create a new Stellar account.
  2. Make sure you have ≥2 XLM. A balance of at least 2 XLM (Stellar Lumens, ca. 0.50 EUR / 0.57 USD) on your Stellar account is the minimum balance required to make the Stellar blockchain hold PCT tokens. It will not be used up, but is technically required for an account to receive and hold PCT tokens. It consists of 1 XLM minimum balance to have an active account, 0.5 XLM to be able to create one trustline (to PCT), and 0.5 XLM as "reserve" to pay transaction fees, which are only 0.00001 XLM each.
  3. If necessary, get more XLM. If your account has less than 2 XLM in balance, you should send some more to your account address. You can buy Stellar Lumens (XLM) from multiple exchanges, in exchange for either cryptocurrencies or state-issued currencies.
  4. Accept the PCT asset.
    1. In the StellarTerm main menu, go to "Accept Assets" and scroll down a bit to "Accept asset via anchor domain".
    2. Enter into field "Anchor Domain": pay.coupons
    3. A single asset should appear as a proposal:

    4. Click the "Accept PCT" button to the right of the proposal.

Both steps are required in order to send you the PCT tokens you can claim in our airdrop campaign:

  • Your Stellar account ID is the target address where we will send the PCT tokens to. Its function is similar to a bank account number: when we know it we can send tokens to your account, but of course we cannot take tokens from it. For that, the private key is necessary. Be sure to not confuse the two! Your account's private key is has to be kept private, while your account ID (also called the public key) is ok to be publish.
  • A Stellar trustline from your account to our PCT token is an expression that you allow your account to hold our PCT tokens. Before you allow it, we cannot send you PCT. From the Stellar developer guide: "When you hold an asset, you must trust the issuer to properly redeem its credit. Since users of Stellar will not want to trust just any issuer, accounts must explicitly trust an issuing account before they’re able to hold the issuer’s credit. […] To trust an issuing account, you create a trustline."
      Creating or deleting a trustline does not cost you anything, but while you have a trustline the minimum balance required on your account is 0.5 XLM.

Go to the "PCT Token Distribution" section of this page, click on "Lumen Holders Airdrop" and follow the instructions. The system will automatically tell you the amount of PCT you can receive.

After you took part in our airdrop campaign for Stellar Lumen Holders, you will see a notice displayed after going through all the steps:

"GET EVEN MORE: Let others know about the Airdrop! You get 5 PCT tokens for everyone who claims their airdrop tokens upon visiting your link. The tokens are automatically send to your Stellar account once a day!"

And your personal referral link that looks similar to this:


So this is how it works: share your referral link with other Stellar Lumen holders who are eligible for PCT tokens in our Stellar Lumen airdrop campaign. For Stellar account which gets PCT tokens airdropped after visiting with your referral link, you get 5 PCT tokens sent to your Stellar account as well.


  1. You can only get a referral link if you participated in our airdrop to Stellar Lumen holders. Since this is our only current airdrop campaign, your referral link effectively is an invitation to participate in this campaign – so please hand it out sparingly to Stellar Lumen holders that you know. Publishing it far and wide to everyone could be considered spam, as most people do not hold Stellar Lumens yet. (We will have a full "Partner Program" airdrop soon, at which point it makes sense that you publish this referral link broadly, allowing you to earn much more in referrals. However, not yet. Have some patience and check back soon!)
  2. If you took part in our airdrop to Stellar Lumen holders before the referral program was ready, you can just go back to the airdrop campaign page and enter your Stellar Account ID again: the system will detect that you went through the airdrop already but also display your personal referral link. You can do the same if you forgot your referral link.

10 million (10,000,000) PayCoupons Tokens (PCT), equating to 20% of total supply, are eligible for distribution to Stellar Lumen (XLM) holders in an airdrop event. The airdrop starts on June 15, 2018 and ends October 15, 2018 at 24:00 UTC.

We took a snapshot of the Stellar blockchain on June 13, 2018 at 16:00 UTC. The snapshot contains the Stellar Lumen (XLM) balances of all Stellar accounts at that time. All accounts with a minimum balance of 5 XLM are eligible to receive PCT in the airdrop. The payout is determined as follows:

  1. An eligible account is eligible to receive a base payout of 5 PCT.
  2. In addition to that, the account is eligible to receive a payout of 0.010794855733408819… PCT per XLM. Up to 50,000 XLM per account are considered.

These numbers are chosen so that exactly 10 million PCT are distributed if every Stellar account holder claims their eligible PCT payout.

See page "PayCoupons – Terms and Conditions". This contains all terms and conditions, including the last four main points which deal specifically with obtaining and using the PayCoupons Token (PCT).

No. You can also pay your pay.coupons usage fees with money. However note that you are offered a 50% discount when using PCT tokens instead.

No. The full amount of 50 million PCT have been minted already, and it is not possible to create more. You can make sure this is the case by confirming that no signer is left in the issuing account.

To promote the use of PayCoupons – Handouts of "free money" are sure to attract attention (though not, PCT is not money in legal terms). Interested recipients will also learn about the PayCoupons system and start using it for their business.

To create value for the PCT token – The PCT token can only be useful to pay the pay.coupons platform fees and to cover business expenses of the PayCoupons GmbH if it has value. To have value, there has to be demand, and to be in demand, the token has to attract attention.

We are currently running:

  • A referral program for the general public. This campaign has a budget of 10 million PCT (20% of the total supply).
  • An airdrop to eligible Stellar Lumen (XLM) holders. This campaign also has a budget of 10 million PCT (20% of the total supply).

You can participate in all of these campaigns above.

Last updated: 2018-07-17

PCT is a new token that is currently being introduced by our airdrop campaigns as a free gift, so it does not have a reliable market price yet. However, they are already accepted by the PayCoupons platform at a value of 1 PCT = 1 EUR to pay platform fees. (This is their minimum value – the platform will always accept PCT at its market price, but at a minimum for a price of 1 EUR per PCT.)

You can obtain PCT via the Stellar Distributed Exchange, in exchange for Stellar Lumen (XLM). You can obtain Stellar Lumen on various cryptocurrency exchanges.

Due to regulatory restrictions, this program is closed to: Residents of the USA, China, Japan, South Korea, Canada, and New Zealand.
These restrictions are subject to change to account for changes in regulatory posture.

Referral Program

The invitation contains a referral link. Click it or copy&paste it to your browser, and it will bring you to our PCT Token Distribution page, with the "Referral Program" tab selected. There, you should see already a green box indicating that you can claim your welcome gift (10 PCT tokens).

Proceed by signing in with either your Facebook or LinkedIn account, and you will land in your Referral Dashboard. At this stage, you have already "claimed" your free 10 PCT, and you can transfer it to your Stellar account at any time within the next two years. (Once you initiate that transfer, it can take up to 24 hours to complete.)

In your Referral Dashboard, you also see your personal referral link. You can use it to invite others to our Referral Program, and get 10 PCT for everyone who claims their free welcome gift like you did. However, this step is of course completely optional.

Important notes and troubleshooting hints:

  • If you do not transfer your Referral Program earnings to a Stellar account within two years after your last earning, we will assume that you lost interest in the tokens. That's fine, we'll just take them back and re-distribute them in our other airdrop campaigns etc.. (Of course, once the PCT tokens are on your Stellar account, they are truly yours, and we have even technically no way to take them back.)
  • Be sure to visit the PCT Token Distribution Page with the referral link you received from the person who invited you. It looks like, for example, https://pay.coupons/pct?r=X64L8p#airdrop. The link https://pay.coupons/pct is not a referral link – you will not get free 5 PCT when using it (except you used a proper referral link in the last 30 days, so that the "cookie" is still present).
  • If login with LinkedIn does not work, try with Facebook instead, and vice versa. It is not necessary that your LinkedIn account or Facebook account is registered with the same e-mail address that your friend used to send you the referral link. We only use these accounts to make sure one person gets a 10 PCT welcome gift only once.

With our Referral Program, you earn 10 PCT for everyone who visits a referral link you shared and then, within 30 days, claims their free welcome gift (also 10 PCT). Here's how it works:

  1. Go to the "PCT Token Distribution section of this page.
  2. Click on "Referral Program".
  3. Log in with either your LinkedIn or Facebook account. You will land on your referral dashboard. (And the first time get your own 10 PCT welcome gift.)
  4. In your referral dashboard, you find your personal referral link. Share this link to your network by any means you like.
  5. Check back in your referral dashboard to see how many PCT tokens you earned from your referrals. (Log in with the same account you used the first time, either LinkedIn or Facebook.)
  6. When you want your earnings transferred to your Stellar account, enter your Stellar Account ID in your referral dashboard. From then on, your referral earnings will be transferred daily. (If our system complains that "This Stellar account does not accept the PCT token.", follow these instructions to fix it.)

Important notes:

  • If you do not transfer your Referral Program earnings to a Stellar account within two years after your last earning, we will assume that you lost interest in the tokens. That's fine, we'll just take them back and re-distribute them in our other airdrop campaigns etc.. (Of course, once the PCT tokens are on your Stellar account, they are truly yours, and we have even technically no way to take them back.)
  • Creating paid ads that include our brand ("paycoupons", "pay coupons") is prohibited as a means of sharing your personal referral link.
  • The 30 day limit for claiming PCT after visiting your referral link is simply the cookie lifetime and counts from the last visit to your link. So if somebody re-visits your referral link after 40 days and then claims their PCT within a day, you still earn your referral reward.
  • This referral program is still in active development. The rules and process might change at any time without prior notice, esp. if needed to fight bot accounts.

There are many ways. Here is a comfortable one:

  1. Visit stellarterm.com, the website of a well-known Stellar wallet and trading software.
  2. Click "Sign Up" and you'll get to the page to create a new Stellar account.
  3. Click to "Accept the Terms of Use […]" and click "Generate Keypair".
  4. Save your public key and secret key in a safe place. (An password manager that saves the data to your computer is a good method for low to medium amounts.)
  5. Click on "Log in with key", copy & paste your account's secret key and click "Log In". You are now "in" your account.
  6. Before you can use your account for anything, you fist have to buy at least 5 XLM ("Stellar Lumens") and transfer them to your account:
    1. Buy XLM from your favorite exchange that trades XLM.
    2. Withdraw the XLM from the exchange to your new Stellar account by entering your Stellar account's public key (also called "Account ID").
  7. To receive our PCT tokens, you have to create a trustline first. Follow our instructions.

Your account is now ready to receive your Referral Program earnings. Just enter its public key in your Referral Dashboard and your earnings will be transferred to it once per day.

At first, you get a welcome gift of 10 PCT when you sign in to your Referral Dashboard. (This applies both when you have been referred by somebody and when you find our Referral Program webpage on your own.) After that, when you hand out your personal referral link, you get 10 PCT for everyone who visits it and then claims their 10 PCT welcome gift.

This is not a multi-level marketing program: you do not earn from indirect referrals ("referrals of your referrals" and so on). But there is no limit on how many times you can earn 10 PCT for a successful referral … except the budget of this whole campaign of course, which is 1,000,000 PCT.

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