aisha texts you a link. 'sent you $20 for lunch'. you tap it and set a pin. the balance is there. you did not install an app or write down a key. a phone number is an address.

at the cafe, a small sign says 'save 3% with us'. you scan its code. your phone shows '$5.00' and 'your price: $4.85'. you confirm with your pin. your balance updates. the barista's terminal confirms the payment instantly.

merchants pay nearly four percent for card processing. we charge them one percent. they pass the savings to you as an instant discount. 

we take a half percent from every transaction. our revenue is a tiny slice of the value created between a buyer and a seller. we succeed when our users and merchants both save money.