SmartCash is a peer-to-peer digital currency that can be used without having to trust a third party, which makes it possible to be your own bank. SmartCash is meant to be a currency and our vision is to replace centralized fiat currencies. SmartCash is an easy to use, fast, and secure cryptocurrency that supports everyday use such as business payments. SmartCash has a unique decentralized governance system and technologies such as SmartNodes, InstantPay locked transactions in about a second, send by SMS and email, a project treasury with private key voting, SmartMining security, SmartCard, and it's Point of Sale app called SmartPay.