Denarii Cash is a peer-to-peer multi-cryptocurrency wallet payment service (“Denarii Cash Wallet”) for smartphones available via an app on Android and iOS devices. The service uses Horizon, a client-facing API server for the Stellar Network and smart contracts powered by Ethereum and its underlying blockchain technology to store digital cash deposits and facilitate digital cash transfers between any two smartphones. Users can deposit, withdraw, and transfer funds using a digital cash wallet stored directly on the device via "Cashpoint," which are often described as "human local ATM machines” for the local community. This cashpoint partner can be an individual or the businesses that dispense cash in return of cryptocurrency credit and token as a reward.