Reltime develop two solution for this project. 1. Own Reltime PoA (Proof of Authority) protocol. Its an algorithm used with blockchains that delivers comparatively fast transactions through a consensus mechanism based on identity 2. A new global Financial Ecosystem providing instant financial service controlling from the end-users without any middleman, with P2P and M2P-lending, borrowing, free remittance and joint-account service Supported by industry leaders.