Abstract: A method and system to mobile based money transaction across different transaction entity. A non-repudiable message, using a first mobile device, is sent to a first transaction entity expressing to provide a token wherein the mobile device is registered with the first transaction entity. The first transaction entity provides a generated token to the first mobile device using non-repudiable messaging services. The first mobile, in turn, transfers the non-repudiable message to a second mobile device of a second user including a token and a transaction entity code. The second mobile device sends the non-repudiable message to a second transaction entity, indicating a token number, a transaction entity code, and sum of money being transferred. The second transaction entity advances the token number, via a non-repudiable message, to a transaction entity indicated by the transaction code to authenticate the token.