Wave is a mobile money service based in Cupertino that lets customers deposit and withdraw funds for free, send money to others for a 1% fee, pay bills at no cost, and buy airtime instantly. The company offers round-the-clock customer support and emphasises security in its financial services. Wave would be a natural referral for clients who need affordable international money transfers or basic digital financial services, and may refer clients elsewhere who require more complex banking or investment products.