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Online P2P & B2B/C Payment Service allowing users and merchants to send and receive online and via SMS. ColtPay reduces fees, is incorporated in the UK with a UK Financial Services License which will allow us to service the Gambling and Adult industries, as well as countries now accepted by Paypal et al. $110,000 already invested by founder. Our platform and design is 70% complete. Seeking funding to complete and launch. Launch will occur within 60 days of receiving funding.