Point of XS

2020: Submission of the Point of XS application

The bank for entrepreneurs and the Tochka enterprises announced start in Russia of the banking application for SP without employees "Tochka of XS". It is mobile bank of a modern format in which almost everything is automated and occurs without participation of the client. It became known on May 12, 2020.

The main audience of the Point of XS — freelancers and entrepreneurs without employees. Many of them open SP only legally to receive money for the work. They are frightened by legal difficulties: accounting, taxes, declaration. Therefore the service undertakes all formalities.

On an udalenka many began to enjoy freelance and do not want to be tied to office any more. From work for itself they are kept need by all the time something to consider, to hand over and report to the state. People do not want to worry because of taxes and declarations, especially, when reasons for alarm and are so enough — Anton Bondarev, the head of the Point of XS service comments on start of a product. — We created the Point of XS to give everyone the chance to go about the own business and to give to service all formalities. Actually it is not even necessary to come into the application — everything works.

As soon as into the account money from the customer arrives, service lays off percent for taxes and fees. The Point of XS transfers the rest to the personal card of the freelancer in any bank — as though that got paid. Thanks to automation to work for itself becomes not more difficult, than to be a hired employee: earlier the employer, now — the Point of XS dealt with accounting issues.

Manually the client does only two things: a one click makes out a bill for services and once a year signs the declaration with the code from the SMS.

The beta of the application which is already available to iPhone for May, 2020 is tested by the first 1000 clients of the Point. Service includes online accounting, machine translations on the personal card, the order of electronic references and statements in an unlimited number. In the nearest future to a set of options will add a feature to generate the agreement and acts directly in the application and also to store in it all business documents.

For the period of the test the commission of service makes 0.2% of incoming payments. Official start of the Point of XS is planned for summer of 2020.