The distribution for both is problematic, especially to a distributed group. Also, the registration for debit cards for single/multiple payments is completely uneconomical. We turn those payments into a KashHero® QR code, which is sent immediately via text. Our vast cash-based network stands ready to negotiate such vouchers. Fraud is minimized, transmission is instant, and compliance fully accounted for. We embody BtoC payments for 2021 and beyond. Cash’s imminent demise? Keep dreaming Silicon Valley!