Bipay PH solves the fundamental coordination problem between payment processors, gateways and financial institutions by developing a new generation of payment services. The payment service supports conversion operations between currencies and asset types. Through the PH network and electronic wallet, end users can flexibly complete payment, remittance, wealth management, consumption, salary storage, B2B commerce, supply chain financing, credit system, asset management and trade, and various on-demand financial services. Specifically, the ability to quickly move funds at home and abroad, obtain a secure ledger that tracks assets across departments of a large organization, establish a credit scoring system for brand alliances, issue digital gift cards to a network that can support multiple wallet providers, etc. .