Cyberwise smrtcash is Mobile Money for Merchants and Customers. We market to the retail merchant sector, who enjoy our low payment processing fees. Zero fees for transaction processing. Heaps of add ons create a steady revenue. Instant settlement, daily clearing. A Linked Debit Card provides a hybrid economy experience for the customer, where he may pay by card if he is at a retailer who is not yet one of our merchants. smrtcash uses a patented Out of Band Authentication token to secure every transaction. its so secure, Munich Re are prepared to underwrite a policy covering our merchants and customers and will pay out in the event of an unauthorized transaction. smrtcash solves the pain caused by Man In the Middle attacks. smrtcash is fully compliant with Emoney regulations. We have signed up a customer with 5,000,000 users in Africa. We have signed up a Joint Venture with international Currency Exchange Network who turnover $1.8bln a year.