Dwolla allows you to exchange funds through social networks, merchants, or virtually anyone else at a maximum cost of 25 cents per transaction.
The platform can effectively be built into any 2 way communication device and or integrated on the backend of virtually any software capable of securely communicating the Dwolla.
Cell phones, computers, parking meters, hybrid closed loop card networks, NFC integration, P2P banking products, etc etc. The platform doesn't inherently lock us out of integration with other platforms. Integration with other payment products / services as well is possible.