Hello, 21 st century payments.We are in a mission to lift 1.5 billion people above the poverty line by eradicating banking and payment processing payment charges amounting today at $23 tn per year.Businessmen, open an account with us in 3 easy steps. That is all it takes to start transacting with your customers or suppliers without having to pay us a single cent for doing so. No ifs, no buts no excuses, no catch.Start saving from the first customer that will pay you using the u-paid-m method.Forger issuing and acquiring banks. Forget POS rentals, POS charges, penalties for refunds…the lot.Your customers can pay you, online, offline (requires special edition of the app), in person, on your mobile or a passive element (IoT) you can install or display. This last version of the application operates on NFC and QR codes. Save from the first customer that will use the app to pay you and keep saving with every new customer that is using it.If you have a loyalty scheme then simply integrate with a few simple steps the application in your own code using our APIs. Ask your developers to contact us at [email protected] you do not have a loyalty scheme then we have even better news. because we can build one for you on demand. We can accept gratitude on credit. Please contact us on [email protected] full control over your receivables and expenses mostly in real time. Issue invoices directly from your mobile.Connect through the app to other powerful financial tools like b-paid, chain payments, Liquid payments etc. Contact us on [email protected] to tell you more.Consumers, welcome to the future of payments. u-paid-m is not just another payment app. It is not trying to imitate a Bank account or an e-wallet or a Card. It is the beginning of the end to a simple and most probably more interesting lifestyle. The app is the link to your financial freedom. You can use it to pay or be paid consciously or allow it to do it for you (i.e. at a participating petrol station, mass transport medium, a church, your parking, your tolls, your super market shopping etc.) and enjoy immediately monetised loyalty rewards wherever you are on the globe (which monetisation btw in the near future you will be able to transform into a pension fund!)Through the app, you will have access to security assets, informational e-wallets, to financial accounts in as may countries you wish, to banking and enjoy fee-free exchange rates where ever you are.You can even earn additional income, if you so wish, by persuading businesses to join our ecosystem and subsidise your yearly fees or becoming one of our Market Makers. More benefits will materialise in future releases, stay tuned.