Combining crypto and fiat worlds, SGPay is a crypto wallet / e-payments mobile app with integrated verticals and its own utility token [SGP]. Integrated services include merchant outlets, flight/movie booking/bike rental/insurance services, etc. The SGPay Token can be used alongside major cryptocurrencies and fiat currencies for payments and transfers on the app. Holding onto SGP will result in rewards, e.g. lower transactional fees for buying and selling cryptocurrencies on the SGPay Wallet.