There are two billion people in the world in the category of unbanked or underbanked, meaning they have limited or no access to the financial system, which the western world takes for granted. Blockbonds strives to democratize the access to financial markets for everyone in the world, by bridging the cryptosphere with traditional finance. By utilizing blockchain technology, we have created a payment system in which everyone can manage their savings, payments and investments in an honest, transparent and secure way. Blockbonds have developed SPENN, an advanced financial platform built into a user friendly mobile application with both a consumer, and a business facing interface. SPENN is free to download and use, and includes features such as a spending account, savings account, real-time transfers, a simple point-of-sale solution for businesses, and an innovative way to withdraw and deposit your money.