I was just wondering if this actually exists what i'm about to say. Imagine you go to an app that lets you pay people and businesses for free (no extra charges. not even for international payments. No need of cards/contacting banks to transfer money). And all the transfers happen in zero seconds digitally. Just add $100 to the app via adding your credit card and it'll give you equivalent digital money. This digital money can be used to pay any person, also websites/app that accepts this digital currency, in stores, and also this app maintained your entire payments summary.<p>Venmo, lemon, clinkle exists but you can't pay at starbucks, ccd, target, hipmunk, airbnb, flipkart using them. If somewhere u can, there are extra charges.<p>I wonder we could spend money digitally everywhere the way we can send an instant message. Without any fees, cards, bank accounts etc. Also no need of payment gateway for businesses and this app can even do that for them.
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