WayaWaya offers a Unified solution that is accesible across different platforms to enable users to transfer,pay and save through a a low-cost, fast and accesible solution that connects with existing banks, cards and wallets and combines with machine learning to use data on spending habits, payment preferences and incomes to give an automatically customizable financial offering that seamlessly integrates with target users(Generation Z and Millenials) ways of life. The soluton offers instant secure virtual account creation, cusotmer profiling, custom alerts and talored product/purchase offers.