This is an international Mobile Money fund transfer application. We can therefore send Tmoney from Togo to Flooz in Benin without both customers having to travel or have a withdrawal code. Kobo Cash does not have a wallet so does not hold customer funds. Everything passes between mobile networks directly. In practice the money does not leave the sending country. It is sent to the number of the merchant agent who will verify the transfer and validate the operation initiated by the sender. On the recipient's side, another merchant agent will deposit the nominal amount less the commission sent to the recipient's number.