Firstly I would like to tell you that this app is a UPI app, that is a unified payment interface, in which you can transfer any money from bank to bank within a second, you can also do recharges and much more things via phonepe which is connected directly without bank account like Paytm, you can also purchase gold here gold aa of two types that is 99.5% purity and 99.9% purity, you can also sell gold within a second with no time, you can get some cashback on every transaction I said every transactions some percent of your transaction will be credited to your wallet within 24 hours of transaction, you can also pay an electricity bill via phonepe all you have to do that select your operator and give your CA number and they will find you well and just you have to pay the amount which will be directly debited from your bank account within a second via this unified payment interface application, you can also get other options to to pay for movies, to pay for tolls and to pay for challan also, last but not the least I would like to suggest you that if you are going for any unified payment interface have then please try this.