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-Spanish Start-up but founded in Silicon Valley
-Founded in 2015
-Instant payment App
-Rased a total of $11.1M over4 rounds
-Create groups/events
-First time using it you receive 5€

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-Paypal (universal)
- Bizum (Spain) - It is included with all the banks in Spain (comes by default just have to activate it)
-Monzo

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Pago entre amigos

Con Bizum puedes pagar o pedir dinero a tus amigos. Únicamente has de introducir el número de móvil de tu amigo o escogerle de tu lista de contactos, elegir el importe y ya, del resto se encarga Bizum. Los fondos se transfieren de una cuenta bancaria a otra en un instante. Rápido, fácil y seguro.
También para donaciones directas a ONGs

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Con Bizum puedes pagar o pedir dinero a tus amigos. Únicamente has de introducir el número de móvil de tu amigo o escogerle de tu lista de contactos, elegir el importe y ya, del resto se encarga Bizum. Los fondos se transfieren de una cuenta bancaria a otra en un instante.

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-Focusing on the Millennials (Peer 2 Peer free payments)
-Focus on people that have smart phones and tend to do transfers (you find the app on Android and Apple Store).
-There are 25- 50 people working for the VERSE team

-Having ambassadors ( promote the App so more youth downloads the app and starts using it)

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- As an App provides various functions, they have to have a license for every different aspect.
-Underage: You have to be +18 to use this app and if you are underage you have to get a Parent/ Tutor Consent form.

-The App can’t use your details (contacts, mobile phone) without the persons authorisation

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-Estimated annual revenue: $4 Million (which is good given that it is a free app based on funding).
-Based in places where the country is economically stable (Europe and United States)

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-Data usage; need to have data to use it
-Using social media to communicate and to connect.
-All online; more efficient and save money & time (you can do the transfer instantly, like a text message).
-Implementing always new ideas (Verse Card)