A method of transferring money from a first user to another user through a cellular network is disclosed. The method includes a the first user buying a voucher of a specified money from market and sending a USSD string to a cellular network, the cellular network authorizing details provided by the first user, sending a notification to the first user confirming transfer of the money to the second user, sending the second user a notification informing receipt of the money from the first user, sending the second user a secret code, a vendor confirming details provided by second user by contacting the cellular network, the cellular network further confirming the second user, authorizing the vendor to pay the specified money to the second user, crediting the money to the vendor account, and sending a confirmation to the first user notifying the second user has received the cash.