The team at Filene Research Institute has unveiled Cash In Your Pants, a new innovation that offers consumers relief from debt, if only for a moment. 

With the tagline, Life's too short not to feel rich, the innovation grants millions of young people access to new capital without traditional lending risk.

Here's how it works. Select loan recipients from your contacts and decide how much money you want to share with them (from $1 million to $20 million) and for how long (up to 10 seconds). Hit send to become short-term millionaires. 

Special features include selfies with backdropss that say “Hey Ma, Look at me: I'm filthy rich!” and “Dear boss: I QUIT!” The app makes it easy for users to intant message contacts to say, “I'm sorry” and “I don't really quit, please can I have my job back?”

In addition, since it's an April Fool's Day joke, every Cash in Your Pants users will also receive a free unicorn 6-8 weeks after their loan is complete.