Xend is simplest way to send money using only your phone number or your xend code.
With Xend, you don't need to have a bank account. You can send or receive money via online and offline channels.
To send money to John all you need to do is fund your wallet, get his phone number and send money to him either offline or online.
John will receive a message that he received the money. John can receive money whether he has registered an account or not.
John will cashout by sending the money to his bank account.
So what are you waiting for. Just xend it!