1- digital gift card sending and receiving full card 2- The electronic wallet is transferred to the wallet with all available facilities (deposit and withdrawal). 3-Paying bills 4- SIM card charging 5- SIM card internet charging 6- Customer club with full details 7- Management of bank cards 8- Transfer to other banks 9-Receiving balance of bank cards 10-Specialized project messenger with the ability to create orders for users 11-Life insurance 12- Shares (stock exchange) with complete specifications 13- Idea and investment 14-Registration of bank cards 15- Travel tickets (plane, train, bus) 16- Charity 17-Payment portal 18- Show user transactions 19- Authentication (fingerprint, face, mobile number) 20- Registration of checks and electronic payments 21- Credit level of users and identifying it as bad or good credit (credit rating) 22- Digital signature 23- Payment of facilities 24- Comparing bank facilities together and choosing the desired conditions 25-installment sales of home appliances and groceries for special users It should be mentioned that all the parts of the application are sold together or in pieces www.ontime24.ir