Abstract: The systems and methods described include a method of electronically transferring funds from one person to another person. This system offers the option of using a social application for the process or of using solely the actual system called The Vault. The method of use includes at least one user to send the funds and at least one user to receive the funds. Each user establishes an account within a social application and or an account with the system called The Vault. The sender electronically sends a request for funds to be released to a receiving party, the funds are then verified and or cleared by the system called The Vault and then they are transferred to the receiving party.