I will join tez science December 15th . In my friend referral link .And used it . Awesome money transfer app by Google . And very interesting app .App layout and design is very good .And function is good.No money transfer charge ( 0% ) .This app better than others upi money transfer application.Money transfer on upi some time 4 to 5 second .And all transactions money and referral cash back and scratch cupons win money all of directly credit from bank account no others wallets account. That function is awesome : ) I like it : )