Denegram 2.0 is a mobile messenger application designed for seamless money transfers between cards and phone numbers. Users can easily split bills with friends, request funds, and order MTBank cards with free delivery. The app enables money transfers between Visa and MasterCard from various banks in Belarus and allows sending money to cards in 61 countries worldwide.

The registration process is straightforward, requiring a phone number for verification. Users can add cards manually or by scanning them, and the app prioritizes security by utilizing 3-D Secure technology. Denegram offers various features, including sending money by card number or phone number, requesting money from contacts, and splitting bills. All transactions are recorded in the app's history, providing users with a clear overview of their financial activities.