Most "dollar apps" hold your money. Merktop Cash doesn't it's non-custodial: only you control your dollars (USDC), with keys you can export anytime. Send to anyone, even non-users, by card, WhatsApp or @username they claim with no app, no bank. Get paid with a link, split bills, buy gift cards, or cash out to a bank. Every payment has an on-chain receipt anyone can verify, you can watch any wallet, and a backup login means you never get locked out. Global no bank to start.