IMT is a multi-bank payment system, that operates using the same rule as a card. It enables account holders in member banks to send money to any mobile phone. The recipient gets a prepaid store of value on his mobile. He can withdraw cash from it at enabled ATMs without a card! Shortly he will be able to use this to make simple payments for goods. We sell to banks. We are live with Axis Bank, shortly Bank of India, Citi, SBI etc will go live.