The Verto platform was created to service a growing need from users to avoid excessive fees and time associated with sending FIAT currencies across boarders. The way Verto platform works is such that a user logs into the Verto system and then links Verto to bank account. The user then transfers funds from bank account to Verto account. The funds transfer using the built in exchange functionality of Verto. Funds are then converted back to FIAT at the recipient’s currency into a Verto account. Funds are then transferred to destination bank account.