EXuME

Users create an account by entering the app from the Apple or Google Play Store. Once prompted, the user will type in basic identification credentials, bank name from a scroll through feature, routing number, and personal debit/checking account number.
Users will be authorized and approved to begin digitally transferring money to a sender’s EXuME wallet where the digital currency will be accessible after a brief transfer delay.
The user’s phone will have an icon - EXuME - that they will pull up upon purchase time and either scan the QR Code into a cashier’s reader or use the money to make a purchase online.
Analytics and graphs show updated account balance and transactions in real time