Abra is a virtual cash start up from Silicon Valley. You can say it is bitcoin from Silicon Valley. It is a crypto currency. This application enables users to store digital cash and send money to any smart phone. It uses a new network of human ATMs called Abra tellers. These tellers are individuals or businesses earning money by buying and selling digital cash to and from any consumer through the Abra app. It also uses blockchain to evolve money transfer. A merchant tied up to Abra can allow a consumer to pay for any product or service by typing in the mobile number at check out. Authorization and settlement happens as soon as the consumer confirms the transaction through the Abra app. Ratan Tata and Amex has invested in this start up.