I read the piece of @nicholas83 and I learned a lot. I never thought that there are more people who own mobile phones that having their bank accounts. Surprisingly sad!!! Anyway, TelCoin must be a great revolution in sending money, hassle-free and very minimal charge. @originalworks, this kind of contest is very educational. ^^
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Thanks, but I got that info. from the Telcoin whitepaper. It is a good read. I would recommend it.