Blockbonds utilizes blockchain to create a payment system in which everyone can manage their savings, payments, and investments. Blockbonds has developed SPENN, an advanced financial platform built into a user friendly mobile application with both a consumer, and a business facing interface. SPENN is free to download and use, and includes features such as a spending account, savings account, real-time transfers, a simple point-of-sale solution for businesses, and a way to withdraw and deposit money.