Though the Business world intends to move towards cashless society, the payment transactions through Credit Card, Debit Card, Net-banking or mobile payments require good and reliable internet connectivity. The low bandwidth or No internet connectivity in semi-urban/rural areas make people refrain from online transaction. We have designed a new mobile payment solution, where the local payments can be made without internet, without sharing bank or card details. Therefore it is named "YUVA PAY". With our Offline YUVA PAY™, 100% of digital transaction can be done WITHOUT INTERNET and supporting both FEATURE & SMART PHONE. YUVA PAY™ is the single most important payment system that every bank needs to offer its customer. YUVA PAY™ can finally enable customers to send and receive money anywhere, anytime. This solution has the potential to solve the problem of financial inclusion of rural India. VISION - 4 C’s! COVERAGE by enabling wider access of electronic payment services CONVENIENCE by enhancing user experience through ease of use and of product and processes CONFIDENCE by promoting integrity of systems, security of operations and customer protection COST by making services cost effective for users as well as service providers