37coins is a bitcoin wallet for the low-teched and underbanked. It makes financial transactions as simple as sending a text. The SMS wallet allows the client to send and receive Bitcoin in remote areas without internet access. Market functionality in the wallet allows to create local bitcoin markets. A gateway operator becomes a local agent with several revenue streams. The agent earns a fee for every transaction, gets notified about new customers requiring exchange and might be paid bounties for continuous good service.