A value transmission method and a value transmission cluster system based on an e-mail. The value transmission method comprises the steps of: establishing a connection of IP addresses of e-mail interaction servers between a remitter and a payee; acquiring a collection address of the payee on the basis of an interaction operation of the e-mail interaction servers; and performing a remittance operation according to the collection address. The value transmission method in the present invention supports obtaining, registering and transmitting a value by means of e-mail interaction servers, rather than a digital/electronic currency service unified interface server. By using a unified interface address or a digital/electronic currency address corresponding to a collection e-mail, a remittance/remittance e-mail server bound with a domain name can securely, efficiently and economically realize value transmission by means of an e-mail address outside a system. In combination with a cluster system architecture, a user can flexibly increase or reduce multiple domain names and e-mail addresses. The present invention is suitable for various users comprising small and medium-sized companies, cloud service providers, enterprises, individuals, etc.