yeh i've seen them before, they are more similar to m-pesa if my memory serves me right, focussing on the use of mobile phones as a identification and value storage. doesn't incorporate the sharing economy or cash remittance.
for example, you can click 'send money to brazil' and the two options are bank transfer and airtime which is remittance to a mobile phone carrier.
interesting service but i like airpockets angle better. interesting article on cnnmoney the other day about how businesses are know open to using airbnb and uber for their out of town trips - at the end of the day, bottom line rules the business. if you can offer a cheaper alternative, market share = yours.
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