QiP is a mobile payment solution which allows you to buy and to sell everything, everywhere, just downloading an app on your smartphone. The core idea is that a smartphone can be buyer and seller at any time which implies the Point of Sale is no longer necessary. QiP is designed for P2P and P2B (small and medium enterprises) hence you can use QiP to exchange money with your friends but also pay at your local grocery store. QiP is built on QR Code and SMS which implies no extra hardware and no internet connection are required: a smartphone with a camera and GSM connectivity is enough. Because the QR Code can be printed on paper or displayed on computer screens, QiP is also suitable to pay bills, to buy tickets in a train station or to perform safe e-commerce. It is a one for all solution. Finally, the money transfers performed with QiP can be based on any source: you can take money from your bank account, your PayPal Wallet or your Credit Card as well.