With the vision of enabling financial inclusion worldwide, Centigram is a FinTech start-up based in Toronto, Canada. Centigram has developed a mobile e-gifting app for both peer-to-peer and business-business applications. On the P2P front, the app is for people living abroad who financially support their families back in their home country. Centigram has created an effortless and free method for people to instantly send eGift cards to their loved ones, anywhere in the world. The eGift cards can be used for an endless choice of goods and services in the recipient’s home country. Aimed at a different segment, Centigram’s B2B offering takes the pain out of corporate gifting. The employer chooses a dollar amount to gift, and their employee gets to select the eGift card of their choice. For both P2P and B2B, giving, receiving and redeeming are all done electronically, instantly and securely. In both cases, the eGift cards are from the top brands and retailers, both globally and locally.