P2P Cash is the first smart contract platform guaranteed by the Ethereum network, akin to international money transfers like Moneygram, Western Union, or Ria. P2P Cash adds value and expands the functionality of the Ethereum ecosystem through smart contracts and scalability. In addition to the multiple benefits of using ERC20 tokens, given the lengthy time required for bank transfers and the lack of banking services for much of the worlds population, it can improve quality of life through the convenience of sending money to family or friends.