A pre-paid mobile phone cash wallet system. The system comprises a processor, a memory, and an application stored in the memory. When executed by the processor, the application receives an initiation message of a pre-paid mobile phone cash wallet, wherein the initiation message identifies a pre-paid wireless communication account, an amount of money presented, and a wallet initiation agent, creates the wallet, where a funds balance of the wallet initially comprises at least a portion of the amount of money presented, persists an association between the wallet and the wallet initiation agent in a memory, and determines a monetary reward for the wallet initiation agent.