#USStablecoinBill

Paying mobile bills has now become simple with the help of Internet banking and credit cards, Customer adapted to prepaying and get credited by buying them online or at the store nearby. Whereas the post-pay adapted customer pays his bills by end of his service session through online money transfer or paying bills at the store. These payment processes are hard to make sometimes, considering the resources available in underdeveloped countries or in a place where the Internet is difficult to find. Unstructured Supplementary Service Data payments (USSD) also come in handy when a customer runs out of Internet credits or uses a phone which does not provide him internet on the go. With limited resources, USSD payment provides clients the advantage of getting a phone card credited on tap. To make this happen, network providers and banks must work together. The network provider creates a database to save bank card details and accesses them when required with permission of the respective customer whenever a transition is made through USSD. For every payment, an authentication protocol is performed to avoid hackers and make secured money transfer. This Journal highlights the downsides of financial exclusion in modern societies and how we can leverage the technology of mobile money to drive financial inclusion in our society with a particular interest in unbanked areas in Nigeria. The financial sector is a heavily regulated sector in Nigeria, so it will be