Episode 5 discusses how informal money transfers take place. By  informal i don't necessarily mean illegal. Informality exists when there is no regulatory measure in place that prohibits the type of informal method used or practiced, or there is no regulatory clarity in place - or enforcement - or where the formal methods are impractical, unethical, too restrictive, etc. The most common IVTS - Informal Value Transfer System - is Hawala, which I will explain in this episode.