Find Yotta Pay by navigating to the Account Tab on the bottom, then tap on the gear icon in the top right. Select "Transfers", and then select "Send Money".

Select your recipient (this can be a contact on your phone, a standalone phone number, or an email address)

Choose an amount to pay them. You can also label the transaction with a name and note.

Click send, and you and your recipient will receive a confirmation. If your recipient is not on Yotta, they will have 7 days to create an account and accept the money!