We will solve this using a comprehensive, secured and affordable Mobile Wallet OS and use Blockchain as a service to lower the cost. Based on recent research, 70% of Filipino families has no bank accounts. There is also a high cost for domestic and international remittance which is a USD$33B industry in the Philippines. Pearl Pay also identified that there more than 400 Rural Banks which has no foreign payment license. The average cost to setup the infrastructure needed is approx. USD$4M. Pearl Pay is a Virtual Money Logistics System™ (VMLS™) which provides a comprehensive “Mobile Payment and Money Transfer Platform as a Service” appropriately designed, of world-class quality, relevant for actual use and beneficial to the financial inclusion target market. We created a white-label product that allows rural banks to launch their own virtual prepaid Pearl Pay and MasterCard accounts as fast as 30 days.