Now Open App aims to significantly reduce the financial barriers created by the banking and payment processing industry on business owners, underbanked, and unbanked customers and employees. The application uses distributed ledger technology to create a payment gateway to process fiat and cryptocurrency payments, reduce transaction processing fees and the elimination of chargebacks, and eliminate payment processing delays. With the construction of an eWallet, Now Open App addresses these issues by allowing for customers to send payments to merchants and merchant owners to send wage payments to employees on their mobile phone.