traditional cash based transactions and digital (crypto) currency based ones. The Netcents platform is not credit card based and is integrated into the bank’s Automatic Clearing House (ACH) system. It has agreements in place with major North American banks. It is 100% secure against Credit Card fraud and ID Theft and offers merchants greatly reduced transaction costs. Simply put, NetCents is a superior way to buy, sell, send money and transact online, in store or via a mobile device. NetCents Addresses inadequacies in the current PSP market place by eliminating Credit Card Fraud and ID Theft, allows consumers who do not have access to credit cards or choose not to use them to shop or transfer funds online and eliminates high transactions costs for consumers and merchants. The NetCents platform will also facilitate non-cash based transactions as it is currently being integrated into the Bitcoin exchange system. NetCents users will be able to simultaneously see their cash balances as well as the balances of the digital currency of preference. Users will be able to purchase goods and services online using either cash or Bitcoins for payment. In addition, as part of the API integration, the NetCents platform will be integrated into Cash/Bitcoin ATM’s. Netcents will also be integrated with an Air Miles exchange enabling users to purchase good & services with either, cash, cyber-currencies or Air Miles.