No they mean that a family member in the US gives them some of their own money, but records it to a family ledger. At some other point funds or value will be tr

No they mean that a family member in the US gives them some of their own money, but records it to a family ledger. At some other point funds or value will be transferred, but it isn't transferred within the family for every payment. Similar to https://en.m.wikipedia.org/wiki/Hawala https://en.m.wikipedia.org/wiki/Hawala