Chripment is an advanced payment system that helps to improve the processes of paying, sending and exchanging funds between individuals and companies. It provides speed, safety and zero cost in carrying out daily financial transactions. Chripment helps improve business growth and economic development by offering an easy and smart way that saves time and costs and improves the performance of daily transactions in an unprecedented way. Based on the Stellar Blockchain, Chripment provides a robust, solid and fast-growing environment. Through the provision of a platform on desktop or mobile phones to transfer money and pay directly to the POS or purchase online, as well as solving the problem of converting cryptocurrency into money immediately through the payments cards and withdrawal of millions of ATMs around the world. The aim of the project at a later stage is creating a complete integrated portfolio of all users’ cards and bank accounts. Benefitting from the high-security Blockchain technology to ensure the highest level of security for user’s funds. Later, users will be able to leave all their cards at their homes and use one application on their mobile phones to spend the high-security money, competing with old traditional payment methods. Chripment company takes the Advanced Payment for both (individual and Business) as a mandatory to solve the complicated process in a smart & effective way.