Abstract: Disclosed herein are systems and methods for secure, mutual, peer-to-peer payments. In one aspect, an encrypted secure system for peer to peer payments, comprising an authentication server is disclosed to receive, a model hash key and an encrypted transaction, from an initiator account; store, the model hash key in an associated database; setting, by the authentication server, a validation time limit for storing the hash key; send, the encrypted transaction to a recipient account; receive by the authentication server a response from the recipient account, the response comprising a response hash key; and validate the response, by the authentication server, based on a match between the response hash key and the model hash key.