Zero Exchange utilizes a sharing economy model, which depends on our network of agents within a community instead of any centralized institutions. Our model maximizes the system users’ benefit by cutting all excessive intermediary costs from the current banking and money transfer organization (MTO) systems, bringing opportunities back to the community: a taxi driver, a tour-guide, a hotel receptionist, a student, they can all become agents of Zero Exchange, earning extra income while bringing a valuable service to those around them.