Mobile Money is growing in the developed world while cars are becoming much smarter. Combine the two - and you get cars that `own' a wallet. We propose not a user-centric, but a car-centric service that enables cars to have Pre-Pay subscription accounts for car-related purchases and for linking to financial services. The solution uses advanced car communications capability and securely stored car credentials to offer enhanced authentication security, which is a pre-requisite for such financial services. We propose strengthening the authentication procedure further with the `Twin-Set' (of `Two-Factor') method using both car-based and SIM-based authentication, and the `Twin-Step' confirmation method for service authorization. In this paper we present an innovative use of advanced technologies, combining M2M, Mobile-Money, Automotive Communications and advanced security procedures