Yeah, so far I think its only within the US. But I encourage you to explore further. Its similar to paypal in which you can have a digital wallet balance from which you can pay online and then you have debit or credit cards and bank accounts as back ups. It is much more expansive than paypal though. I use it to pay at most locations through tap and pay with my phone. But you can also send money via email, NFC tapping two phones together, and some other ways.