In 2017 a group of professionals saw the problematic that had the stores and businesses and their difficulties to make transactions with their customers in a fast and secure way, for that reason we decided to create a prepaid payment gateway app, to allow users to use it in affiliate stores. After we finish to developed it and in the beta test stage, we notice a scalability problem. Our wallet was going to depend on of the traditional banks technology and platform, because users would use our bank account to deposit their money, we would assign that money in their wallet, and then they had been able to use it in the affiliate stores, the end of this process should be when the stores withdrawal their money, and we would have to send the money from our bank account to the stores bank account. As you may see, we needed of the bank in our whole process of the incoming/out coming of the funds. The verification process of the money in our bank account could be complex too, because an operator was on charge to assign the balance. We realized that in a low customers volume this task was easy to do, but with a largest amount of customers we will require more personal, and suddenly the volume of the salary of the personal was going to be over the volume of commission that we could generate in the transactions.