E-dheba is a service that encourages you to save money using online technologies and their phone without having to go to a physical brick and mortar bank and that also lets you borrow money from your social network instead of through traditional avenues like banks and credit cards. The concept would be that the app would work like a khutrukey or a piggy bank where they can save money from the app itself and immediately would be allowed to borrow up to 5 times depending upon their E-DHEBA SCORE.