NJM Token Sale Is Live
Secure Your Spot in the Future of Payments!
Token Structure
NJM is the native token of Najem Pay, designed to power a seamless and borderless payment ecosystem. Stake, spend, and earn rewards while using NJM for transactions across global merchants.
We accept :
BTC
BNB
USDT
USDC
LTC
pre-sale
soft caf
bonus
0% Target Raised
1 USDT = $1 = 1.00 NJM
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What is Najem Pay?
Najem Pay is a digital payment platform that bridges crypto and traditional finance, allowing users to use their cryptocurrency just like cash for everyday transactions. It provides a wallet and card solution linked to a gold-backed stablecoin and crypto-to-fiat conversion system, so you can spend your crypto at any normal merchant without hassle.
Why Join the NJM Token Sale?
The NJM Token Sale offers early access to Najem Pay’s utility token, powering staking, payments, rewards, and fee discounts in its decentralized financial ecosystem.
Register an Account
To register, visit our website, fill out your name, email, and password.
Deposit Funds
To deposit funds, log in to your account and navigate to the wallet section.
Buy NJM Tokens
Navigate to the ICO section, select the amount of NJM you want to purchase, and complete the transaction.
Our Vision
A Borderless Financial Ecosystem
We envision a world where cryptocurrencies are seamlessly integrated into everyday financial transactions. Najem Pay is designed to bridge the gap between digital assets and real-world usability, making crypto payments as simple as using traditional currency.
Making Crypto Spendable Everywhere
With instant crypto-to-fiat conversion and global merchant adoption, Najem Pay ensures that NJM tokens and other supported cryptocurrencies can be used effortlessly for purchases, bill payments, and withdrawals worldwide.
Empowering Financial Freedom
We believe in a decentralized, inclusive financial future, where anyone can transact freely without banking limitations. Whether you’re an individual or a business, Najem Pay provides a fast, stable, and secure platform for all your digital payment needs.
Introduction to NJM
Tokenomics
NJM Token Distribution
- ICO
- Reward
- Marketing
- Team & Development
- Liquidity Reserve
- Advisors & Legal Compliance
- Risk Management & Security Fund
70%
10%
6%
5%
4%
3%
2%
Allocation of Resources from the Token Sale
- Investment in projects
- Platform development
- Infrastructure
- Marketing
Najem Pay Governance
Model
- Token holders
- Members
- Leaders
- Founders
- Co-developers
Our Road map
Phase One
- P2P marketplace
- Merchant partners
End of Q1 2025
Phase Three
- B2B Solutions
- International Payments
- Business API Integrations
- Merchant Growth
Q3 2025
Q1 2025
Phase One
- Platform launch
- Wallet integration
- KYC/AML
Q2 2025
Phase Two
- Native Stablecoin Launch
- Optimized Transactions
- DeFi Integration
- Enhanced Security Features
Q4 2024
Phase Four
- Global expansion
- DeFi innovation
- AI integration
- Continuous Platform Updates
our great features
Seamless Crypto Payments
Make everyday transactions effortless using Najem Pay’s physical and virtual cards. Spend NJM and other cryptocurrencies instantly, anywhere Mastercard/Visa is accepted.
Instant Crypto-to-Fiat Conversion
No more waiting or manual exchanges! Convert your crypto to fiat in real time while making payments, ensuring a smooth and hassle-free shopping experience.
Staking & Passive Rewards
Stake your NJM tokens and earn passive rewards while securing the network. Enjoy flexible staking options with competitive APY rates.
Advanced Security & Privacy
Your funds are protected with bank-grade security, multi-factor authentication, biometric login, and encrypted transactions, ensuring a safe and private payment experience.
All-in-One Crypto Wallet
Store, send, and manage multiple cryptocurrencies, including NJM, BTC, BNB, and stablecoins, in a secure and user-friendly wallet.
Global Merchant Acceptance
Najem Pay bridges the gap between crypto and real-world payments, making it easy for businesses to accept crypto without dealing with volatility risks.
Mobile Appnew
Najem Pay mobile Application
A powerful all-in-one crypto payment solution at your fingertips! Manage your digital assets, make instant transactions, and stake NJM tokens effortlessly—all from the Najem Pay mobile app.
- Multi-Asset Support
- Real-Time Crypto-to-Fiat Conversion
- Secure & Private Transactions
- Contactless & QR Payments
Have Any Questions?
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What is an ICO?An ICO (Initial Coin Offering) is a fundraising method used by blockchain projects to raise capital by issuing and selling digital tokens. Members participate by purchasing tokens at an early stage, often at a discounted price, before they are listed on exchanges.
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What is the NJM Token ICO?The NJM Token ICO is the official token sale event where early adopters can purchase NJM tokens before they are publicly available on exchanges. NJM is the native utility token of Najem Pay, used for payments, staking, transaction fee discounts, and governance.
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How does Najem Pay work?Najem Pay allows users to load crypto into their wallet, stake NJM tokens for rewards, and spend digital assets using physical or virtual Najem Pay cards. The system instantly converts crypto into fiat currency at the point of sale, making crypto transactions effortless.
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What cryptocurrencies does Najem Pay support?Najem Pay supports multiple cryptocurrencies, including:
- NJM Token
- Bitcoin (BTC)
- Binance Coin (BNB)
- Ethereum (ETH)
- Tether (USDT)
- USD Coin (USDC)
- Litecoin (LTC)
- Doge Coin (DOGE)
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What are the benefits of using Najem Pay?
- Instant crypto-to-fiat conversion – No delays when spending crypto.
- Low fees – Competitive rates for transactions and conversions.
- Global merchant acceptance – Spend NJM anywhere.
- Passive income – Earn rewards through staking.
- Secure & private – Protected transactions with full user control.
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Will NJM tokens be listed on exchanges?Yes, after the ICO, NJM will be listed on major cryptocurrency exchanges for trading and liquidity. Official announcements will be made regarding listings.
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What is NJM token used for?The NJM token is the native currency of Najem Pay and is used for:
- Payments – Spend NJM across supported merchants.
- Staking – Earn rewards by staking NJM in the platform.
- Transaction Fee Discounts – Reduce fees for conversions and payments.
- Governance – Participate in voting and decision-making.
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Can I use Najem Pay for online and in-store purchases?Yes! Najem Pay offers both virtual and physical debit cards that work wherever Mastercard/Visa is accepted, allowing users to pay online, in stores, and even withdraw cash at ATMs.
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How does Najem Pay handle security and privacy?Najem Pay is built with bank-grade security, including:
- End-to-end encryption for all transactions.
- Multi-factor authentication (MFA) for account security.
- Cold & hot wallet storage for maximum asset protection.
- Regulatory compliance with global KYC/AML standards.
Integrated with most popular
crypto currencies
