Open Source Voucher Payment Project
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URL = http://voucher-safe.org/tiki-index.php
Description
"A voucher is an encrypted digital representation which stands for or represents something else. A voucher is said to be "backed" by whatever underlies it, such as gold or silver. Vouchers are digital bearer certificates circulated and validated by a Publisher.
So what is the P2P Voucher Payment System? It is a mechanism for the secure, anonymous exchange of digital vouchers peer-to-peer between users, implemented as an extension to XMPP (aka Jabber), an instant messaging service. Basically, you can pay anyone you can chat with."
(http://voucher-safe.org/tiki-index.php)