Note that this is TESTNET app, it doesn't handle real value. Send and receive payments directly, no banks, no intermediaries, no custodians between you and the other party. There is no central payment processor, and no single point of failure. Instead, the payment infrastructure consists of multiple machines distributed around the world, with each machine duplicating and validating the work of the others. Pay and be paid nearly instantly, any day of the week, at any hour of the day or night.