Peer to peer payment aggregation and integration application

A universal peer to peer payments system application comprising:

• a first mobile smart device with a peer to peer payments system application installed used by user 1;
• a second mobile smart device with a peer to peer payments system application installed used by user 2;
• a central application program interface cloud service capable of communicating with a plurality of domestic peer to peer payments systems being used by a plurality of users;
• a central application program interface cloud service capable of communicating with a plurality of International peer to peer payments systems being used by a plurality of users;
• the same central application program interface cloud service as described above capable of communicating with a plurality of cryptocurrency exchanges being used by a plurality of users;
• a plurality of users of the above system wherein one user using one peer to peer payment service wishes to transfer currency to one or more different users using disparate peer to peer payment systems wherein one user 1 may initiate a currency transfer to another user 2 using a disparate peer to peer payment system and wherein the payment utilizes the central application program interface cloud service capable of communicating with a plurality of peer to peer payments systems to lookup both user's initial credentials and display both user's credentials on their perspective mobile smart devices and further wherein each user finishes signing into their disparate peer to peer payment services and finish the initiated transaction.