Pyypl is a non-bank digital app that provides access to the financial system through a smartphone. It offers an internationally accepted prepaid Mastercard, allowing users to send and spend money, shop online, and manage their finances. Pyypl aims to make financial services accessible to everyone, without the need for a bank account or minimum balance. The app offers features such as instant top-ups, virtual and physical cards, and money transfers to over 40 countries.