Smart phones have significantly affected the way people live their lives. Mobiles are now being used for business, gaming, fitness, education, learning, health, banking and much more. With the right apps on a smart phone life gets better. VaulSim decided to take this idea and make it a reality by developing a middleware to launch payment and banking applications rapidly. We offer a range of mobile financial services with built in tools like the chat engine, QR generator, NFC processors, and On-us and Off-us wallet handler. VaulSim combines the capabilities of mobile and APIs to offer mobile apps combined with a comprehensive merchant/agent management portal.