# Overview SmartPay (SMTP) is an innovative payment and integrated point system designed to benefit both small business owners and consumers. By leveraging blockchain technology and smart contracts, SmartPay streamlines inefficient and complex settlement structures and pursues global scalability through a unified point system. Franchisers can participate in the SmartPay ecosystem as members of a DAO, allowing them to take part in its management and operations. The smart contract-based automated settlement system reduces fees and enhances operational efficiency. Additionally, consumers can liquidate their accumulated points on exchanges, providing full ownership and flexible use of assets with increased liquidity. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://editt.gitbook.io/smartpay/english/overview.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.