is a decentralized mobile wallet app developed using blockchain technology, mobile devices, and the advanced security of biometric identification systems. The platform eases the process of making payments, as well as the trading and exchanging of digital currencies and digitized gold among users with real time price monitoring.  The wallet’s integration with Visa Debit Card, QR Codes, and NFC Smart Cards creates an association between conventional financial services, and the cryptocurrency market is undoubtedly secure.  It offers users many options when it comes to security features, including 4-layer user verification, and facial recognition. The app also is restricted to only being able to be opened in one location or on one device at a time, and will automatically log off the previous session when logging into another device.

The app is planned to be compatible with multiple cryptocurrencies including Bitcoin, Ether, Zcash, Ripple, DinarCoins, and Gold Smart Contracts (the latter two being digital gold assets). Additionally, real-time price changes of these coins can be monitored by users through the app.  Currently Bitcoin and Ether are available for use in the wallet.

A peer-to-peer functionality on the app enables users to locate cryptocurrency-accepting merchants, as well as buyers and sellers on a map, thereby reducing hours of searching for cryptocurrency-accepting merchants – the app also allows users to become such a merchant on the map. Moreover, the app has a user friendly interface, designed for cryptocurrency veterans and newbies alike. The app also hosts a user chat option, among it’s many features.


Bitcoin is largely believed to be the first peer-to-peer electronic cash system, a true cryptocurrency, which brought about the idea of the blockchain to help solve the problem of double spending.

It was created by a mysterious man or group of individuals pseudo-named Satoshi Nakamoto, who published the white paper in November of 2008. Starting off slow at first, and dealing with many bumps along the way, the cryptocurrency has now picked up major traction and is the subject of much debate, even among governments and central banks. It opened the door to mainstream cryptocurrencies, is accepted by many merchants today, and has recently seen an unprecedented price climb.

The current price of 1 Bitcoin is around $2,535.05 according to, with a market cap of $41,622,065,727, and many speculators saying it will continue to rise (though some say it’s in a bubble).


Ethereum took Bitcoin’s idea of the blockchain, and enhanced it, making the ethereum blockchain a platform on which businesses and startups could create their own decentralized applications. The juice that enables Ethereum to run, is their own cryptocurrency called Ether.

Ethereum is largely attributed to Vitalik Buterin (although he did have a team and is a co-founder), it was his brainchild. 1 Ether’s price is currently around $308.17, with a market cap of $28,631,583,443.


Litecoin is a peer-to-peer internet currency that enables precise, low cost payments for the individual. It’s a Maths-based secured network that enables users to control their own finances. Litecoin is a proven medium of commerce complementary to Bitcoin. The Litecoin network is scheduled to produce 84 million litecoins.

Litecoin was released under an open-source client on GitHub on October 7, 2011 by Charlie Lee. Litecoin’s market capitalization as of May 9th, 2017, was U.S. $1,542,657,077 at around $30 per coin. In the same month, Litecoin became the first of the top-five cryptocurrencies to adopt Segregated Witness.


Zcash is a cryptocurrency that offers privacy and selective transparency of transactions. The sender, recipient, and amount of a transaction may remain private, although Zcash payments are published on a public blockchain.

Zcash development started in 2014 through a collaboration between the original Zerocoin, which was made more efficient and private, by  researchers at Johns Hopkins University.  Zcash offers interested parties the ability to mine blocks like most digital currencies.

The value of Zcash as of the 29th of June 2017 was $340.06000000. It’s current circulating supply is 1.55 million coins with a total volume exchange of $23,742,100.0.


DinarCoin is a digital currency backed by gold and issued on the Ethereum blockchain by DinarDirham, a global FinTech company with offices in Hong Kong and Kuala Lumpur. By employing blockchain technology and robust trading platforms, it creates a quick and transparent access to the bullion markets for small investors. The blockchain technology ensures that DinarDirham offers secure and simple gold investment where all transactions are transparent and interference-free. 

Blockchain affirms the total amount of DinarCoins in circulation. Individuals trading in DinarCoin can convert it into fiat money, real physical gold, or use it to online purchases and in-person purchases through the use of a debit card, NFC Smart Card, or QR Code through the wallet.

Debit Card

A debit card is a plastic payment card that deducts money directly from a customer’s checking account  when the customer is paying for a purchase. The customer does not have to carry cash or physical checks when making purchases. In addition, debit cards do not allow the user to go into debt unless the customer incurs small negative balances if he has signed up for overdraft coverage. However, debit cards have a limit for daily purchases.

The first debit card usage in the market may be as early as 1966, according to the Kansas City Federal Reserve (pdf) report. Previously, ABM usage utilized debit cards since the late 1970’s with Credit Unions in Saskatchewan and Alberta in Canada introducing the first card-based, networked ATMs, which started in June of 1977.

A Federal Reserve survey (pdf) found that average merchants ‘swipe fee’ is 44 cents each time a debit card is used. The fees totaled $16.2 billion in 2009 for prepaid and regular debit cards. The use of debit cards has been rising. For instance, debit cards were used in about 300 million transactions in 1990. The prepaid and debit card transactions rose to 37.6 billion in 2009.

MasterCard had 183 million debit cards in circulation in the U.S. at the end of June 2015 and 532 million in the rest of the world.

NFC Smart Cards

NFC Smart Cards use Near Field Communication Technology to make close proximity, contactless, secure payments. Contactless purchases are limited to a floor limit since no signature or PIN verification is required. Transactions can be twice as fast as  conventional cash, credit, or debit card purchases.

Télécarte, a telephone card for payment in French pay phones, launched in 1983, began the first mass use of the smart card. Smart cards are now widespread and are quickly replacing magnetic stripe card technology, which only has a capacity of 300 bytes of non-rewriteable memory and no processing capability. Mobile contactless payment systems were used for participating mobil gas stations as early as 1997. Recently, Visa and MasterCard deployed millions of cards worldwide. They have also agreed to standards for general “open loop” payments on their networks.

QR Codes

A QR code consists of black squares arranged in a square grid on a white background, which can be read by an imaging device such as a camera, and processed using Reed–Solomon error correction until the image can be appropriately interpreted. The required data is then extracted from patterns that are present in both horizontal and vertical components of the image. They use standardized numeric, alphanumeric, byte/binary, and kanji encoding modes to efficiently store data.

The QR code system was invented in 1994 by Denso Wave. They were first designed for the automotive industry in Japan. Their fast readability and greater storage capacity popularized them beyond the automobile industry and they are now used in product tracking, item identification, time tracking, document management, and general marketing.

NOTE: To start utilizing these multiple digital assets, including digital gold, and to see our many other advanced wallet features, sign up for the wallet app here. The app is currently available at the Google Play Store with the referral code: 279408.