Joys is a service provider for payment settlements in virtually any cryptocurrency or tokens when purchasing products and services lawful in any jurisdiction. Joys allows settling payments between Joys system participants and online or retail stores on the legal basis. We connect blockchain projects to the platform and provide integration with POS systems at sales points. This saves project teams that would like their cryptocurrency or tokens to be accepted in stores eliminates the trouble of complex, time-consuming and costly integration with POS systems. We design Joys as a tool of convergence between conventional monetary system and the new blockchain-based system to boost economy effectiveness. We expand application of cryptocurrency of any blockchain project at retail stores and service companies; this way, we involve classical retail into blockchain community and add value to both cryptocurrencies in general and currencies of projects connected to Joys independently.