ePay is next-generation Cryptocurrency operating on the Ethereum blockchain that utilized the ERC-1363 protocol. ePay plans on cutting transaction costs and making worldwide Ethereum-based transactions more feasible and accessible for everyday users. The team plans on doing this by utilizing the ERC-1363 contract and their own private oracles/nodes to keep transaction fees low and fast. Utilizing this technology, we will be able to implement our own POS (Point of Sale) system that will allow vendors to accept a variety of Ethereum-based cryptocurrencies instantly into a stable token for a fraction of what it would normally cost.