Gumm: Manage finances and live well

Gumm is an app that lets you manage your money, set up a budget, and pay for goods and services. It also has NFC support for tap-to-pay, receiving and sending money, and it will exchange currencies to let you make payments and conduct transactions in other currencies.

In order to buy and sell goods internationally, it will also have a debit card for use in international billing transactions. To enable cross-border fund flow, there will be internal transfers among ecosystem participants and external transfers.

Finally, there would be a limitation & a budget formula that helps users cut their coats according to their size. Especially a low income earners.