ZuumPay is a global mobile payment and financial service application that offers wide range financial services for cross border payments and transactions. Rather than managing several services to achieve a single task, ZuumPay offers a One-Stop-Financial-Counter that allows users to achiev any financial task in real time from any part of the world at time with a push of a button. ZuumPay system supports tokens representing fiat currency, cryptocurrency, commodities, etc, given our users a complete access, management and control over their finances with a Reward Based Referral network.