There are three areas where money transfer systems should demonstrate advanced functionality. The first one is security related to the private data of users and info about each transaction. Cryptographic encryption technologies effectively mitigate the challenge. The second aspect relates to compliance with regulations. The requirements of a local fiscal system along with the international AML rules should be covered with corresponding features of a money transfer app. The third critical moment belongs to the transaction fees: P2P payment protocols should correspond to the latest standards of global banking networks.