ClickGem is a decentralized self-regulated financial payment network created for users that want to be independent from third parties like banks or the government. The ClickGem system is â€œPeer to peerâ€ network. There is no server for this network and this network type does not stratify the priority of connected computers. Every computer has equal rights to work on the network which is called â€œPeerâ€. Each computer will operate as clients & servers that depends on the usage of users. The Transfer of ClickGem is convenient and easy. The money transfer can be occurred everywhere in the world within seconds. Moreover, ClickGemâ€™s transfer fee is less than the transfer fee of banks. No middlemen or other institution are needed for processing transactions.