ePlata is a multi-currency digital wallet and payment ecosystem empowering the unbanked population through voluntary payroll, government and non-governmental income. A mobile and browser-based solution, ePlata offers the financially underserved access to the digital economy via peer-to-peer transfers, cross-border remittances, bill pay, online and retail transactions and insurance premium payments. ePlata connects the unbanked to each other and the digital economy by freeing their money from intrusive banks, unnecessary fees and geographic borders.