Mobile Elements (ME) is a universal Payments as a Service (PaaS) platform delivering any and all types of offline, online, IOT transactions. In any transaction, people just want to Pay or Be Paid™ – it's that simple. Those who own the money should control it - after all, it is their money. So we eliminate time, cost, security and complexity issues of the payments industry today ME enables users to connect and use ANY source of funds (bank account, payment cards, mobile wallets etc…) and make ANY TYPE of transaction (P2P, Contactless, Remittances, Online, I.O.T connected devices etc…) in a real time, low cost and secure environment. in doing so ME delivers the Pay or Be Paid simplicity and user control that people want - benefitting people, businesses and banks alike. ME is NOT a mobile wallet and does not carry money - so no license is required. ME unique technology means it can integrate into any bank, telco or card scheme. All this make ME scalable without limits and accessible to anyone with a phone and a source of funds - enabling any type of transaction anywhere, anytime with anyone.