iCash is the first inherently social networking payment App. It uses the power of social networking and combines it with the ease of forming groups. This makes it possible for anyone to quickly and easily start their own loyalty program. Whether a corporate, a running club, a school, a charity or even just a group of mates wanting to raise funds for a cause. The group initiator can invite any merchant to their group. The groups members will then be able to pay at these outlets and get the agreed merchant discount as a cash back reward for themselves, and/or the group.