Hpay is an application (App), you can download directly to your smartphone.
Just tap ''Himalaya Pay'' in App Store.
This application has multiple advantages:
0 transaction fees.
Secure and very fast transaction (a few seconds for the fund to reach the recipient).
No cap for the transaction.
This application can be used in many countries.
Also, users are not asked to provide the source of funds and their purpose. So you can transfer money to anyone without any conditions. No one will know who you are and no one will be able to see your personal information to monitor you.