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News Time:😎

πŸ€Overstock has between $68,000 to $120,000 in weekly cryptocurrency revenues. Jonathan Johnson, a member of the board of directors of Overstock, emphasized that for online retailer accepting cryptocurrencies is significantly easier and cheaper than accepting credit card payments because of the API of major cryptocurrency exchanges and brokerages like Coinbase that enable merchants, even large-scale conglomerates, to accept cryptocurrency payments without establishing a secure and expensive infrastructure like fraud department that is necessary for credit card payments.

πŸ€Bittrex starting to roll out USD markets for retail investors in New York, California, Washington, Montana, and certain international regions. The exchange starting to invite small groups of retail customers to participate in the USD markets, as their trading will help us further evaluate and test everything. As Bittrex roll out future phases, more states will be added.

πŸ€New York’s Department of Financial Services gave the green signal for Bitcoin Cash, Litecoin, Ethereum to be traded on the ItBit exchange. Also New York financial regulators have approved Stellar Lumens to trade on the ItBit . Perviously, the exchange only supported the trade of Bitcoin.

πŸ€Mike Novogratz made a $15 million dollar investment on AlphaPoint Corp, a cryptocurrency exchange platform, with his firm Galaxy Digital.

πŸ€EOS passed the required 15% voting needed to activate mainnet.

πŸ€Coinbase has sent a cease-and-desist letter to cryptocurrency startup Swarm for the latter’s attempt to tokenize and sell the San Francisco cryptocurrency exchange operator’s shares.

😎CBOE Global Markets President Chris Concannon: "We are pleased with the SEC's decision to provide clarity with respect to current Ether transactions. This announcement clears a key stumbling block for Ether futures, the case for which we've been considering since we launched the first Bitcoin futures in December 2017."
Welcome to EyeGlob.Net NEWS!

|| EYEGLOB.NET || First and Only Eye Health Global Ecosystem on Blockchain! || ENVISION THE FUTURE! ||
As a response to rapidly emerging eye health problem EyeGlob.Net will provide a mix of social and professional network dedicated to eye health with digital tools, specialized for each interested party. EyeGlob.Net will save billions of hours and money. We will use blockchain technology and smart contract protocol for sensitive data management, encryption, protection and sharing.
|| EYEGLOB.NET || First and Only Eye Health Global Ecosystem on Blockchain! || ENVISION THE FUTURE! ||

___________________________________________
‼️Scammer Alert ‼️
Please, be aware of scammers! No one from EyeGlob.Net will ever send you any private messages, contribution address, wallet address, offer personal bonus or alike. If you are not sure - you can always reach us out at cs@eyeglob.net .
_______________________________________________________________________________________
EyeGlob.Net social links:
YOUTUBE https://www.youtube.com/channel/UCx-CZq_PN-9cC7SG0BKh3nw
FACEBOOK https://www.facebook.com/Eyeglob-Net-220183495269591
TWITTER https://twitter.com/eyeglobnet
REDDIT https://www.reddit.com/user/eyeglobnet
LINKEDIN https://www.linkedin.com/company/eyeglobnet/
GITHUB https://github.com/EYEGLOBNET
MEDIUM https://medium.com/@eyeglobnet
TELEGRAM https://t.me/eyeglobnet NEWS CHANNEL
TELEGRAM http://t.me/eyeglob GROUP CHAT
TELEGRAM http://t.me/eyeglobnetbounty BOUNTY CHAT
BITCOINTALK coming soon
__________________________________________________
|| EYEGLOB.NET || First and Only Eye Health Global Ecosystem on Blockchain! || ENVISION THE FUTURE! ||
We are the first, fully blockchain-based payment gateway in the Middle East and Africa. MenaPay replaces traditional payment methods with a blockchain-based fully backed cryptocurrency. This provides a secure and transparent payment gateway to enable transactions for every aspect of daily life. The MenaPay project was started in November 2017 to serve 420 million people, across 18 countries, as their primary payment method. MenaPay will distribute 75% of total revenue amongst holders of MenaPay. It is creating a new standard in the crypto industry for the level of participatory returns, beyond the regular incentives for users and investors

You can check our website: menapay.io

Also our english one pager: menapay.io/onepager.pdf
Arabic one pager : menapay.io/onepager_ar.pdf
Chinese one pager: menapay.io/onepager_cn.pdf
Watch our presantation video: www.youtube.com/watch?v=nzTryRjWf9U&t=1s

⚠️ICO Launch has not started yet. Please do not believe anyone except our admins.
πŸ‘‡πŸΌOur admins (please make sure the usernames are correct)πŸ‘‡πŸΌ
@tolgaodoglu
@ilkercikrikcili
@BurakErdir
@tuuceb
@kuanh92
@simgeicen
Official English Chat: @MenaPay
Official Arabic Chat: @MenaPayAr

Follow us on our social media πŸ‘πŸΌ
Facebook: facebook.com/menapayio
Twitter: twitter.com/menapayio
Bitcointalk: bitcointalk.org/index.php?topic=4884588.0
Medium: medium.com/menapay
Instagram: instagram.com/menapay/

MenaPay Bounties Are Waiting For You!
Click for more info: bitcointalk.org/index.php?topic=4918239

πŸ”ΊOur Community Rules:
- Respect each member
- No Spamming
- No inappropriate content
- No posting of other ICOs and projects
- You can share any relevant news and articles


βœ”οΈHope everyone enjoys our ICO channel and we can create an amazing MenaPay community.
✳️✳️✳️QUANTUM PAY✳️✳️✳️

Quantum Pay can be a UN localized, processed Banker Engine agent is a money service platform. As a facility that enables the blockchain engine, Quantum Pay uses digital currency as a little-cost door for investment, loans, finance and banking, spreading the influence of financial organizations on the far side of existing outlet lines until the number of individuals the United Nations agency does not have bank account in the world.

WHERE DOES QUANTUM PAY WORK
Using Quantum Pay , customers have access to an associate pocket book app that will be launched by the immediate team and services appreciate money transfer, air-time, bill payment, building ordering, game credits, on-line freight and on- line looking for a national agent of UN agents settling for digital currency.

Easy and Used Wallet Downloads for Transactions-Carrying out transactions temporarily does not need to synchronize with blockchain and easy interface.

❇️Buy and Sell
Tracking and Market Signals - A global market check of statistics sponsored by ongoing synchronization with digital market sites. the prepared multi-purpose value will not miss important market settings.

❇️Safe and Protected
Non-aligned self-contained keys, Enhanced Encoded Secrets Enhanced Security, are stored stable in a pristine original sandbox structure. It provides a backup option manifold folder, to avoid loss or theft of the asset.

♻️FEATURES IN QUANTUM PAY

βœ…Easy to Use and Convenient to Transact-Execute transactions while not a requirement to sync with blockchain and easy interface

βœ…The key is not self-serving, Key Enhancement The encoded non-public security will be stored steadily in the original wise sandbox structure. This provides the backup options manifold folder, to avoid loss or theft of the asset.

βœ…Market Tracing and Signals - Global market checks on sponsored statistics with ongoing synchronization with digital market sites. versatile ready situation will not miss the necessary market settings

βœ…On-line or offline-QPAY applications will be accessed on-line and not even
connected to the web, QPAY SMS operators must manage customer transactions.
⛳️$URUN #token is a great #investment because:
βœ…Limited offer
βœ…Gradual decrease in the number of tokens in circulation
βœ…High #ratings in top #ICO calendars
βœ…Great professional team
βœ…#Jackpot drawings
⚑️Get your #URUN tokens at: https://urunit.io/
#onlinecasino #casino

Telegram: https://t.me/urunit
Website: https://www.urunit.io/
Bounty Thread: https://bitcointalk.org/index.php?topic=3548786
πŸ€”About prices manipulation

πŸ”ŽProfessor John Griffin and graduate student Amin Shams from the University of Texas made a research claimed that the price of Bitcoin during all its bull run in 2017 was being manipulated using Bitfinex’s Tether currency.

πŸ“ŠScientists examined the traffic of cryptocurrencies on the Bitfinex exchange and found a correlation between price slumps in Bitcoin and other coins and instances when Tether was issued and sold by the owners of the exchange. According to results of the research, these instances may account for about 50% of the price increases of Bitcoin and 64% of others trading in the top ten.

βœ”οΈThis study focused in on 87 separate instances between March 2017 and March 2018 when Tether moved from Bitfinex to other exchanges. The research found that β€œthese 87 events account for less than 1 percent of our time series (over the period from the beginning of March 2017 to the end of March 2018), yet are associated with 50 percent of bitcoin’s compounded return, and 64 percent of the returns on six other large cryptocurrencies (Dash, Ethereum Classic, Ethereum, Litecoin, Monero and Zcash).”

βœ…Professor Griffin also emphasized that the pattern of transactions that he and his research partner found played a significant role in last years unprecedented price gains in the crypto market.
✳️✳️✳️QUANTUM PAY✳️✳️✳️

Quantum Pay can be a UN localized, processed Banker Engine agent is a money service platform. As a facility that enables the blockchain engine, Quantum Pay uses digital currency as a little-cost door for investment, loans, finance and banking, spreading the influence of financial organizations on the far side of existing outlet lines until the number of individuals the United Nations agency does not have bank account in the world.

WHERE DOES QUANTUM PAY WORK
Using Quantum Pay , customers have access to an associate pocket book app that will be launched by the immediate team and services appreciate money transfer, air-time, bill payment, building ordering, game credits, on-line freight and on- line looking for a national agent of UN agents settling for digital currency.

Easy and Used Wallet Downloads for Transactions-Carrying out transactions temporarily does not need to synchronize with blockchain and easy interface.

❇️Buy and Sell
Tracking and Market Signals - A global market check of statistics sponsored by ongoing synchronization with digital market sites. the prepared multi-purpose value will not miss important market settings.

❇️Safe and Protected
Non-aligned self-contained keys, Enhanced Encoded Secrets Enhanced Security, are stored stable in a pristine original sandbox structure. It provides a backup option manifold folder, to avoid loss or theft of the asset.

♻️FEATURES IN QUANTUM PAY

βœ…Easy to Use and Convenient to Transact-Execute transactions while not a requirement to sync with blockchain and easy interface

βœ…The key is not self-serving, Key Enhancement The encoded non-public security will be stored steadily in the original wise sandbox structure. This provides the backup options manifold folder, to avoid loss or theft of the asset.

βœ…Market Tracing and Signals - Global market checks on sponsored statistics with ongoing synchronization with digital market sites. versatile ready situation will not miss the necessary market settings

βœ…On-line or offline-QPAY applications will be accessed on-line and not even
connected to the web, QPAY SMS operators must manage customer transactions.
Welcome to EyeGlob.Net NEWS!

|| EYEGLOB.NET || First and Only Eye Health Global Ecosystem on Blockchain! || ENVISION THE FUTURE! ||
As a response to rapidly emerging eye health problem EyeGlob.Net will provide a mix of social and professional network dedicated to eye health with digital tools, specialized for each interested party. EyeGlob.Net will save billions of hours and money. We will use blockchain technology and smart contract protocol for sensitive data management, encryption, protection and sharing.
|| EYEGLOB.NET || First and Only Eye Health Global Ecosystem on Blockchain! || ENVISION THE FUTURE! ||

___________________________________________
‼️Scammer Alert ‼️
Please, be aware of scammers! No one from EyeGlob.Net will ever send you any private messages, contribution address, wallet address, offer personal bonus or alike. If you are not sure - you can always reach us out at cs@eyeglob.net .
_______________________________________________________________________________________
EyeGlob.Net social links:
YOUTUBE https://www.youtube.com/channel/UCx-CZq_PN-9cC7SG0BKh3nw
FACEBOOK https://www.facebook.com/Eyeglob-Net-220183495269591
TWITTER https://twitter.com/eyeglobnet
REDDIT https://www.reddit.com/user/eyeglobnet
LINKEDIN https://www.linkedin.com/company/eyeglobnet/
GITHUB https://github.com/EYEGLOBNET
MEDIUM https://medium.com/@eyeglobnet
TELEGRAM https://t.me/eyeglobnet NEWS CHANNEL
TELEGRAM http://t.me/eyeglob GROUP CHAT
TELEGRAM http://t.me/eyeglobnetbounty BOUNTY CHAT
BITCOINTALK coming soon
__________________________________________________
|| EYEGLOB.NET || First and Only Eye Health Global Ecosystem on Blockchain! || ENVISION THE FUTURE! ||
We are the first, fully blockchain-based payment gateway in the Middle East and Africa. MenaPay replaces traditional payment methods with a blockchain-based fully backed cryptocurrency. This provides a secure and transparent payment gateway to enable transactions for every aspect of daily life. The MenaPay project was started in November 2017 to serve 420 million people, across 18 countries, as their primary payment method. MenaPay will distribute 75% of total revenue amongst holders of MenaPay. It is creating a new standard in the crypto industry for the level of participatory returns, beyond the regular incentives for users and investors

You can check our website: menapay.io

Also our english one pager: menapay.io/onepager.pdf
Arabic one pager : menapay.io/onepager_ar.pdf
Chinese one pager: menapay.io/onepager_cn.pdf
Watch our presantation video: www.youtube.com/watch?v=nzTryRjWf9U&t=1s

⚠️ICO Launch has not started yet. Please do not believe anyone except our admins.
πŸ‘‡πŸΌOur admins (please make sure the usernames are correct)πŸ‘‡πŸΌ
@tolgaodoglu
@ilkercikrikcili
@BurakErdir
@tuuceb
@kuanh92
@simgeicen
Official English Chat: @MenaPay
Official Arabic Chat: @MenaPayAr

Follow us on our social media πŸ‘πŸΌ
Facebook: facebook.com/menapayio
Twitter: twitter.com/menapayio
Bitcointalk: bitcointalk.org/index.php?topic=4884588.0
Medium: medium.com/menapay
Instagram: instagram.com/menapay/

MenaPay Bounties Are Waiting For You!
Click for more info: bitcointalk.org/index.php?topic=4918239

πŸ”ΊOur Community Rules:
- Respect each member
- No Spamming
- No inappropriate content
- No posting of other ICOs and projects
- You can share any relevant news and articles


βœ”οΈHope everyone enjoys our ICO channel and we can create an amazing MenaPay community.
News Time:😎

πŸ€Coinbase has held talks with regulators in the U.S. about securing a banking license.

πŸ€Argentina's Banco Masventas has partnered with exchange startup Bitex and will allow customers sending cross-border payments using bitcoin.

πŸ€CoinGate, the popular online merchant processor, has will be implementing the Lightning Network protocol into their platform.

πŸ€Verifone, a world's leading Point Of Sale producer, has confirmed successful certification of Graft.Network that will allow spending major cryptos (BTC, ETH, LTC, XMR). Crypto payments through its point of sale terminals are coming soon.

😐BitMEX founders admitted (well, not quite) to giving unfair trading advantages to insiders, a practice they had previously denied. They have also been engaging in unprofitable trading to artificially inflate exchange volumes (aka wash trading).

πŸš€Stellar announced the 7th Stellar Build Challenge. You can earn Lumens by contributing to the Stellar community. Details

πŸ€Walmart, the US retail giant, filed a patent regarding a blockchain based marketplace for reselling purchased products. US Patent and Trademark Office describes the service as a record of customer purchases on a blockchain ledger. This would allow customers to resell the items on a sales platform utilizing the blockchain record of purchase.
We are the first, fully blockchain-based payment gateway in the Middle East and Africa. MenaPay replaces traditional payment methods with a blockchain-based fully backed cryptocurrency. This provides a secure and transparent payment gateway to enable transactions for every aspect of daily life. The MenaPay project was started in November 2017 to serve 420 million people, across 18 countries, as their primary payment method. MenaPay will distribute 75% of total revenue amongst holders of MenaPay. It is creating a new standard in the crypto industry for the level of participatory returns, beyond the regular incentives for users and investors

You can check our website: menapay.io

Also our english one pager: menapay.io/onepager.pdf
Arabic one pager : menapay.io/onepager_ar.pdf
Chinese one pager: menapay.io/onepager_cn.pdf
Watch our presantation video: www.youtube.com/watch?v=nzTryRjWf9U&t=1s

⚠️ICO Launch has not started yet. Please do not believe anyone except our admins.
πŸ‘‡πŸΌOur admins (please make sure the usernames are correct)πŸ‘‡πŸΌ
@tolgaodoglu
@ilkercikrikcili
@BurakErdir
@tuuceb
@kuanh92
@simgeicen
Official English Chat: @MenaPay
Official Arabic Chat: @MenaPayAr

Follow us on our social media πŸ‘πŸΌ
Facebook: facebook.com/menapayio
Twitter: twitter.com/menapayio
Bitcointalk: bitcointalk.org/index.php?topic=4884588.0
Medium: medium.com/menapay
Instagram: instagram.com/menapay/

MenaPay Bounties Are Waiting For You!
Click for more info: bitcointalk.org/index.php?topic=4918239

πŸ”ΊOur Community Rules:
- Respect each member
- No Spamming
- No inappropriate content
- No posting of other ICOs and projects
- You can share any relevant news and articles


βœ”οΈHope everyone enjoys our ICO channel and we can create an amazing MenaPay community.
Welcome to EyeGlob.Net NEWS!

|| EYEGLOB.NET || First and Only Eye Health Global Ecosystem on Blockchain! || ENVISION THE FUTURE! ||
As a response to rapidly emerging eye health problem EyeGlob.Net will provide a mix of social and professional network dedicated to eye health with digital tools, specialized for each interested party. EyeGlob.Net will save billions of hours and money. We will use blockchain technology and smart contract protocol for sensitive data management, encryption, protection and sharing.
|| EYEGLOB.NET || First and Only Eye Health Global Ecosystem on Blockchain! || ENVISION THE FUTURE! ||

___________________________________________
‼️Scammer Alert ‼️
Please, be aware of scammers! No one from EyeGlob.Net will ever send you any private messages, contribution address, wallet address, offer personal bonus or alike. If you are not sure - you can always reach us out at cs@eyeglob.net .
_______________________________________________________________________________________
EyeGlob.Net social links:
YOUTUBE https://www.youtube.com/channel/UCx-CZq_PN-9cC7SG0BKh3nw
FACEBOOK https://www.facebook.com/Eyeglob-Net-220183495269591
TWITTER https://twitter.com/eyeglobnet
REDDIT https://www.reddit.com/user/eyeglobnet
LINKEDIN https://www.linkedin.com/company/eyeglobnet/
GITHUB https://github.com/EYEGLOBNET
MEDIUM https://medium.com/@eyeglobnet
TELEGRAM https://t.me/eyeglobnet NEWS CHANNEL
TELEGRAM http://t.me/eyeglob GROUP CHAT
TELEGRAM http://t.me/eyeglobnetbounty BOUNTY CHAT
BITCOINTALK coming soon
__________________________________________________
|| EYEGLOB.NET || First and Only Eye Health Global Ecosystem on Blockchain! || ENVISION THE FUTURE! ||
✳️✳️QUANTUM PAY✳️✳️✳️

Quantum Pay can be a UN localized, processed Banker Engine agent is a money service platform. As a facility that enables the blockchain engine, Quantum Pay uses digital currency as a little-cost door for investment, loans, finance and banking, spreading the influence of financial organizations on the far side of existing outlet lines until the number of individuals the United Nations agency does not have bank account in the world.

WHERE DOES QUANTUM PAY WORK
Using Quantum Pay , customers have access to an associate pocket book app that will be launched by the immediate team and services appreciate money transfer, air-time, bill payment, building ordering, game credits, on-line freight and on- line looking for a national agent of UN agents settling for digital currency.

Easy and Used Wallet Downloads for Transactions-Carrying out transactions temporarily does not need to synchronize with blockchain and easy interface.

❇️Buy and Sell
Tracking and Market Signals - A global market check of statistics sponsored by ongoing synchronization with digital market sites. the prepared multi-purpose value will not miss important market settings.

❇️Safe and Protected
Non-aligned self-contained keys, Enhanced Encoded Secrets Enhanced Security, are stored stable in a pristine original sandbox structure. It provides a backup option manifold folder, to avoid loss or theft of the asset.

♻️FEATURES IN QUANTUM PAY

βœ…Easy to Use and Convenient to Transact-Execute transactions while not a requirement to sync with blockchain and easy interface

βœ…The key is not self-serving, Key Enhancement The encoded non-public security will be stored steadily in the original wise sandbox structure. This provides the backup options manifold folder, to avoid loss or theft of the asset.

βœ…Market Tracing and Signals - Global market checks on sponsored statistics with ongoing synchronization with digital market sites. versatile ready situation will not miss the necessary market settings

βœ…On-line or offline-QPAY applications will be accessed on-line and not even
connected to the web, QPAY SMS operators must manage customer transactions.
⛳️#URUNIT accepts payments and investments in #ATBCoin.
⚑️ $ATB #Coin will be accepted during all #ICO stages, as well as after the #URUNIT #platform is fully developed.
πŸ’Get additionalπŸ’°40% #bonusπŸ’°when you buy URUN tokens with #ATB❗️

Telegram: https://t.me/urunit
Website: https://www.urunit.io/
Bounty Thread: https://bitcointalk.org/index.php?topic=3548786
As March comes to an end, global industries continue to be extremely receptive of blockchain technology. Despite Twitter, Facebook and Google banning ICO advertising on their respective platforms; volume for cryptocurrency markets has been steadily on the rise as altcoins rebound from new lows.

CBOE has even been pushing for the US Congress to allow Bitcoin ETFs. Smart contracts have even become legally binding contracts in certain US states. China has also introduced a VPN ban that will become active April 1st, blocking many chinese users from access to foreign exchanges.

The recent introduction of Lightning Network for Bitcoin has been monumental, with active Lightning Nodes already overtaking active BCH Nodes. The implementation of the Lightning Network Protocol allows for theoretically infinite scalability.

Meanwhile Bitcoin Cash has also been very active; talks of possibly introducing Terabyte Blocks. Current block sizes are already 32MB, with shorter block times. They have also been reintroducing dead OP_CODES, disabled by Bitcoin Core, that could allow a variety of programming patterns and new use
🌍MEMORITY around the WORLD🌍
Memority is a blockchain-based platform for encrypted decentralized storage of valuable data. Files are encrypted with a private key that only their owner has. Memority use the same data protection technology used in blockchain's wallets. Join now!
Each participant of the system receives certain opportunities:
πŸ‘ Data owner - can store data in an encrypted form in a decentralized and completely secure manner, paying for the storage with MMR tokens. Also, he can provide his disk space for data of other users, becoming a hoster, and receive tokens to pay for the stored data.
πŸ‘ Hoster - can receive MMR tokens for providing their disk space to users of the Memority

Website: https://memority.io
Whitepaper: https://memority.io/docs/whitepaper_memority.pdf
Telegram: https://t.me/memority
Token sale is live!
⛳️#URUNIT is the 1st #platform with constantly decreasing amount of #tokens:
βœ… $URUN tokens issued during the ICO are the only #tokens which will be issued by #URUNIT
βœ… 0.5% of every #transactions when #paying for the #services on the platform made in $URUN #tokens is "burnt"

Telegram: https://t.me/urunit
Website: https://www.urunit.io/
Bounty Thread: https://bitcointalk.org/index.php?topic=3548786
✳️✳️QUANTUM PAY✳️✳️✳️

Quantum Pay can be a UN localized, processed Banker Engine agent is a money service platform. As a facility that enables the blockchain engine, Quantum Pay uses digital currency as a little-cost door for investment, loans, finance and banking, spreading the influence of financial organizations on the far side of existing outlet lines until the number of individuals the United Nations agency does not have bank account in the world.

WHERE DOES QUANTUM PAY WORK
Using Quantum Pay , customers have access to an associate pocket book app that will be launched by the immediate team and services appreciate money transfer, air-time, bill payment, building ordering, game credits, on-line freight and on- line looking for a national agent of UN agents settling for digital currency.

Easy and Used Wallet Downloads for Transactions-Carrying out transactions temporarily does not need to synchronize with blockchain and easy interface.

❇️Buy and Sell
Tracking and Market Signals - A global market check of statistics sponsored by ongoing synchronization with digital market sites. the prepared multi-purpose value will not miss important market settings.

❇️Safe and Protected
Non-aligned self-contained keys, Enhanced Encoded Secrets Enhanced Security, are stored stable in a pristine original sandbox structure. It provides a backup option manifold folder, to avoid loss or theft of the asset.

♻️FEATURES IN QUANTUM PAY

βœ…Easy to Use and Convenient to Transact-Execute transactions while not a requirement to sync with blockchain and easy interface

βœ…The key is not self-serving, Key Enhancement The encoded non-public security will be stored steadily in the original wise sandbox structure. This provides the backup options manifold folder, to avoid loss or theft of the asset.

βœ…Market Tracing and Signals - Global market checks on sponsored statistics with ongoing synchronization with digital market sites. versatile ready situation will not miss the necessary market settings

βœ…On-line or offline-QPAY applications will be accessed on-line and not even
connected to the web, QPAY SMS operators must manage customer transactions.