Nakumatt, a Kenyan retailer, allows people living abroad to buy vouchers for its stores and then transfer them to their African friends and relatives, making remittance payments smoother.

比如，住在国外的人可购买肯尼亚零售商纳库马特（Nakumatt）的代金券，并将其送给自己的非洲亲友，这样汇付就容易得多了。

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Vouchers of transfer account settlement shall bear the same disbursement capability as cash in business transaction.

第七条转帐结算凭证在经济往来中，具有同现金相同的支付能力。

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More important, they make transfer payments through programs like Social Security, Medicare, Medicaid, food stamps, unemployment insurance, and housing vouchers.

FORBES: Has The U.S. Government Gotten Bigger Or Smaller? Yes.