A cross platform socio-financial mobile money application which allows money transfer online or in person at the speed of instant messaging thus making it easier , cheaper and faster to make everyday micro transactions, the app also features an inbuilt escrow system to enhance trust in paying for goods and services online, third party API for developers. We can simply say we are building the Paypal for Africa. We are using Paystack's (A Ycombinator company) services to process inward and outward payments at the moment but we are working on partnering with a bank .