As far as I know, HUMBL Pay users will be able to pay in crypto besides fiat money, transfer money from user to user locally or internationally, the app will provide a whole social experience including finding nearby merchants, reading and writing merchant reviews and ratings, perform contactless payment, booking tickets to events and entering in contactless way. Probably manage their ETX investments and other NFT features too either now or in the future, I'm not sure about those features yet. It's far beyond traditional plain payment processing and money transfer.