Peer-to-peer payment apps, often abbreviated to P2P pay apps or simply P2P apps, are mobile apps designed to allow users to send and receive money by connecting their banking information to the app.Chime is not just a P2P app. You can use Pay Anyone to send money instantly to Chime members and anyone else, but you can also count on Chime to be your one money app for checking, savings, and great features like SpotMe.