Without a crypto wallet, you cannot send cryptocurrency, because a wallet is needed to store them. In many countries, some merchants accept cryptocurrencies, so they can be spent directly, for goods and services. The most simple way is, ask the receiver to make a wallet, and send you the receive address. From your wallet, (you must have cryptocurrency) you send the amount to the address provided by the recipient. Anythings else, needs exchanges. This is the most simple way, to send funds to someone, with cryptocurrency.