Cellarix is a financial service accessible by mobile or web that can be used for business-to-business, consumer-to-consumer, and consumer-to-business transactions. The system essentially turns the subscriber's mobile phone into a wallet with which the user can deposit and withdraw cash via multiple cash stations or send and receive money from a credit card or bank account. The easy-to-install and use service utilizes the subscriber's phone number as the account number and is device and bank agnostic.