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Available in 29 countries and accepting payments from US dollars , British pounds and the Euro , Circle Pay enables money to be sent in a similar fashion to text messaging , with the ability to set up fingerprint and face identification . With no fees attached when sending money between currencies , the app allows money to be circled around in a chat up to 20 people , enabling users to be paid quicker . https :// www . circle . com / en-gb www . fintechmagazine . com