GTDollar help users move forward into a smarter world, by providing a cashless and convenient platform to bring about greater opportunities for SMEs businesses, and higher quality lifestyles for consumers. It provides a solution to busy lifestyles and high costs of living with an integrated system encompassing Virtual Credits, E-Wallet, Marketplace, and a Communication Platform - all under one mobile app! Using the GTDollar platform, SMEs can grow by having their products/services reach new target audiences via virtual credits and special promotions, while having a communication platform to facilitate direct contact between existing and new consumers. GTDollar helps its users live smarter, globally by saving time and money with NO registration fee, NO membership subscription fee, and NO advertisements. On the other hand, consumers can receive and use virtual credits for their purchases, gain access to a wide range of products and services, and benefit from attractive discounts and promotions anytime, anywhere. GTDollar enables easy communication and connection between merchants and consumers via GPS and user-friendly booking systems.