A more thorough explanation:

Definition: Halawa is a money transfer system that operates through networks based on family relationships or regional/ethnic affiliations rather than through banks and financial institutions. It is commonly used in immigrant communities and originated in India before the introduction of western banking practices. In Indian and Pakistani usage, "white halawa" refers to legitimate transactions and "black halawa" refers to money-laundering.

Example: A person living in the United States wants to send money to their family in India. Instead of using a bank, they use the halawa system and give the money to a trusted family member or friend who has connections in India. That person then gives the money to the recipient's family member or friend in India. This process continues until the money reaches its intended recipient.

Explanation: This example illustrates how the halawa system operates through networks based on trust and family relationships rather than through traditional banking channels. It also shows how the system can be used to transfer money across national borders.