The team at Filene Research Institute has unveiled Cash In YourPants, a new innovation that offers consumers relief from debt, ifonly for a moment.

With the tagline, Life's too short not to feel rich, theinnovation grants millions of young people access to new capitalwithout traditional lending risk.

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

Special features include selfies with backdropss that say “HeyMa, Look at me: I'm filthy rich!” and “Dear boss: I QUIT!” The appmakes it easy for users to intant message contacts to say, “I'msorry” and “I don't really quit, please can I have my jobback?”

In addition, since it'san April Fool's Day joke, every Cash in Your Pants users will alsoreceive a free unicorn 6-8 weeks after their loan iscomplete.