SimplyTapp, a provider of mobile proximity payments technology, has launched Gane, a mobile payments app to offer instant access to funds; tap-and-pay POS functionality for both Android and iOS, and automatically collect and apply discount offers in one mobile experience.

Gane also works with chatbots in Messenger and Telegram social messaging platforms, and additional platforms expected, according to a press release.

Gane is the first app to incorporate all these functionalities into a single solution, according to the release. SimplyTapp will unveil the product today at the Money 20/20 conference in Las Vegas.

Gane leverages HCE technology from SimplyTapp to allow businesses to accept card-emulated payments from Android smartphones. The platform allows card issuers to access and manage card information on an encrypted server, bypassing the costs associated with secure elements and maintaining control of the customer relationship and experience.

"By combining the most important mobile payment services into one experience, Gane is the first app that is truly responsive to the needs of consumers," said Ted Fifelski, president and co-founder of SimplyTapp, in the release. "The slow pace of traditional banking doesn't fit in with the quick pace of life today. By bringing offers to consumers where they are —their smartphones —and facilitating real-time money transfers and offer sharing, we bridge the divide between their digital and physical worlds, improving the customer experience."

Gane also helps retailers harness the power of online window-shopping with offline purchasing, SimplyTapp said. Retailers can use a customized universal value locator to create campaigns to reach targeted Gane users in both the app and through the web and social media  Offers are redeemed automatically at the point of sale when users pay through Gane.

"Research from Forrester and the National Retail Federation shows 76 percent of U.S. retailers plan to accept Apple Pay by year-end 2017," said SimplyTapp CEO and Co-founder Doug Yeager, in the release. "We expect the uptake for Tap and Pay to continue, and Gane will allow consumers and merchants alike to take advantage of this trend."

The app is available at Google Play and the Apple App Store and through the Gane website at gane.io.