The all-in-one app for buying, spending & managing crypto — Trusted by thousands across NZ & AUS

Why pick an all-in-one Cryptocurrency App?

A true all-in-one Cryptocurrency App removes friction. Instead of separate exchange accounts, card providers and gift-card vendors, PIN bundles wallet storage, instant buy/sell, a SHOP menu (gift cards + prepaid card top-ups), and a Web3 Mastercard experience into a single mobile app. That’s powerful for anyone who wants everyday crypto utility — not just price speculation. Payitnow positions PIN as a local NZ & AUS solution focused on convenience and real-world spending.

App features 

PIN is built around practical use-cases. Top features include:

• In-app wallet for fiat + crypto balances and instant conversion between them.
  

• Buy & sell cryptocurrency via local payment rails (POLi in NZ, bank transfer in Australia) with fast delivery to your PIN Wallet.
  

• SHOP menu giving instant access to gift cards and prepaid Visa/Mastercard top-ups — convert crypto to spendable cards inside the app.
  

• Web3 Mastercard / prepaid cards: load, manage and spend either via a virtual card or physical prepaid Mastercard that spends anywhere Mastercard is accepted.)
  

• Merchant tools and business onboarding for merchants who want to accept crypto through the PIN Network.
  

These features make daily use simple: stash crypto, buy instantly, and spend at local shops or online without extra conversion steps.

Supported assets — which coins can you hold and spend?

PIN supports a broad basket of digital assets. The platform advertises support for 40+ cryptocurrencies, including major tokens such as Bitcoin (BTC), Ethereum (ETH), stablecoins (e.g., USDT/USDC), and popular altcoins — and the deck keeps expanding. That diversity is especially useful when your card or shop conversion requires specific assets to top up cards or buy gift cards.

How to buy crypto in-app 

Buying crypto inside PIN is optimised for local users in NZ & AUS:

1. Create and verify your account — KYC is required to comply with local AML/KYC rules. Expect standard identity checks.
   

2. Open the Buy menu and choose your payment method (POLi in NZ, bank transfer for AU, or other listed options).
   

3. Select the asset & amount — the app displays live rates and fee estimates so you know what you’ll receive before confirming.
   

4. Complete payment — most NZ POLi buys settle instantly or within minutes; in AU, bank transfers vary. The crypto is delivered to your PIN Wallet.
   

5. Optionally convert or top up a prepaid card via the SHOP menu to spend your crypto anywhere.
   

TIP: Always check the app’s live rate and fee screen before confirming a buy. For a buyer’s guide and local tips, see Payitnow’s NZ buying guide.

Security & backups — how PIN protects your funds

Security when dealing with crypto is paramount. PIN combines multiple protective measures:

• Regulatory compliance: Pay It Now operates in New Zealand and Australia and performs KYC/AML checks to meet local regulations, which helps protect users and the ecosystem.
  

• Wallet protections: The app stores user balances in a managed wallet with standard industry practices for private key management and custodial safeguards. (Exact custody model and encryption details are published in the app’s security & terms pages.)
  

• Account safety: Use strong passwords, enable two-factor authentication if offered, and keep your recovery phrases/private backups secure and offline. PIN also provides clear instructions for backups inside the app.
  

Security checklist for users: enable available 2FA, store seed phrases offline, avoid public Wi-Fi when doing large transactions, and verify transaction details before confirming.

Card & spending features 

One of PIN’s standout propositions is real-world spending:

• Web3 Mastercard / prepaid cards: Load a prepaid Mastercard directly from your PIN Wallet using supported crypto assets or fiat. Once loaded, spend anywhere Mastercard is accepted — online or in stores. This removes the manual step of converting to NZD or AUD before spending.
  

• Instant conversion at POS: When you spend, the app converts the exact crypto amount to fiat in real time so merchants are paid in fiat, just like a normal card transaction. Reviews and platform notes highlight smooth at-point-of-sale conversion.
  

• Gift cards & vouchers: The SHOP menu lets you buy local & international gift cards with crypto — handy for gifting or paying services that don’t accept crypto directly.
  

If spending flexibility is a priority, the card features and SHOP options make PIN a practical Cryptocurrency App for everyday life. For card specifics, top-up instructions and fees.

Download links & platform availability

PIN is available as a native mobile app and a web app. Official download options include:

• Android (Google Play) — PIN Network listing available.
  

• iOS (App Store) — download link on the official download page.
  

• Web app / APK — for users who prefer a browser or need an APK. See /download for direct app links and instructions.
  

Before installing, confirm you’re downloading the official PIN app from payitnow.io or your platform’s official store to avoid impostor apps.

FAQs

Q: Is PIN regulated?
A: Pay It Now operates in NZ & AU and follows local KYC/AML requirements; regulatory listings and company registration details are published on their site. 

Q: Which cryptocurrencies can I use to top up cards?
A: The app supports 40+ crypto assets for card loading and conversions — check the app’s asset list for current support. 

Q: How fast are buy transactions?
A: NZ POLi buys are often instant or within minutes; bank transfers in AU depend on the banking rails. The app displays estimated times during checkout. 

Q: What are the fees?
A: Fees vary by action (buy, sell, card load, conversions). PIN publishes a fees page and shows estimated fees before you confirm each transaction. Check the app or the site’s fees pages for the latest figures. 

Q: Where is Payitnow located and how do I contact them?
A: Payitnow is based in Christchurch, NZ. For local enquiries you can contact them on +64 3 925 8870 and visit their office (Unit 3/38b Birmingham Drive, Middleton, Christchurch 8024). Their official site is https://payitnow.io/. (Official company pages include registration details.) 

Final thoughts

If you want a Cryptocurrency App that’s built for everyday utility — buying, holding, converting and spending crypto with minimal friction — PIN Network is a strong local option for New Zealanders and Australians. It’s especially appealing if you value: fast NZ buy rails (POLi), a single app for wallet + cards + gift-cards, and local support with regulatory compliance. The combination of a SHOP menu, prepaid card integrations, and a simple buy flow targets consumers who want crypto to be useful now — not just an asset to HODL. 

Ready to try it? Visit /download to install the app, explore /features for the full spec, or click /card to learn how to top up and spend with PIN’s prepaid card options.