Abstract: The present disclosure relates to methods, techniques, and systems for settling trusted money request and/or transfer transactions between individuals, and also between individuals and business partners based on social network connections between these entities as represented in social graphs of virtual social networks to establish the transaction connection between the two transaction partners and directly settle the financial transaction between these partners using e.g. a mobile device application without the necessity of a further entity, like e.g. a bank, credit card company and the like, for clearing the transaction initiated on the mobile device.