The needs of the Democratic Republic of Congo (DRC) in financial services justify themselves not only by the immensity of its national territory and the density of its population, but also and especially by poverty and the selectivity of its classic banking system. The transfer of fund by cell phone has been introduced in DRC in 2011 in the goal to open this country of which the access of the population to the banking service poses enormous problems. This practice, to the title of the advantages, is accessible to all person who possesses or no a cell phone, to resort to the operation of transfer and withdrawal of money. She/it is fast, flexible in term of the formalities and less expensive in term of commission; however, she/it is not at all safe from the inconveniences, notably the quality of services: disruption of network and electronic currency problem. The inconvenience most considerable home the non-regulation of this practice in DRC, whereas the countries that began this practice already put on foot of the regulations as for that; this legal emptiness noted in DRC exposes all users, from where the necessity to remedy there.