$PayRem ($ Pay Remotely) USA is a mobile money Transfer and payment service that allow users to transfer money to one another using a mobile phone app as well as making an instant payment to a personal or business account. There is a growing trend for commerce to evolve beyond person-to-market to person-to-person exchange across countries. The service allows users to request and transfer cash money to another account via its app across the continent. Our focus on USA is resolve some of the challenges in an environment that we live and understand better than our competitors. Using technology to resolve payments between USA countries and markets. We are USA-centric in the money Transfer ecosystem. $Pay Rem ($Pay Remotely) aims to be the standard for money transfer and digital payment mobile applications. $Pay Rem is a creative, innovative, and distinctive mobile application that offers users a range of new services that eclipse simple financial exchanges and electronic payments. $Pay Rem offers users a virtual wallet/virtual bank account which allows instant financial transactions between users. Our goal is to make $Pay Rem an easy, reliable, inexpensive, and secure universal breakthrough global application for mobile money transfer application.