You can send funds from your CiNKO wallet to another CiNKO user by following the instructions below:
Click the 'Send" button on the bottom of the screen
Select the 'Other CiNKO User' option
Input the Amount
Provide the phone or FIO handle
Add Notes, such as 'Dinner'
Click the 'Review' button
Verify the details and click 'Submit'
You are done!