"حوالے" refers to a remittance or money transfer, commonly used in South Asia, particularly in countries like پاکستان and بھارت. It allows individuals to send money across borders or within the country, often to support family members or for business purposes. The process typically involves a sender and a receiver, with various methods available, such as banks, money transfer services, or informal channels. The sender provides funds, which are then converted into the local currency of the receiver, ensuring that the money reaches its destination securely and efficiently.