Mobile Money Remittance System (MMRS) is an innovative electronic payment system, which enables the safe execution of cross-border mobile money transfer between countries with the possibility to withdraw funds in local currency using products of the local mobile operator such as mobile money and mobile airtime. Bank4YOU Group appreciates mobile money remittances should be fast, convenient, and safe. It has therefore created a unique and discreet private blockchain system with an inner currency Mobile Money Remittance (MMR) Token, which operates transactions between clients and settles deals between partners in individual countries.