Ok, well see the 'Bells' underneath your name? Those are TBT bells. They are used for trading just like regular bells. Right now the conversion rate is about 4 Million In-game bells for 100 TBT bells.
1. Click on the name of the person you want to transfer the bells to.
2. Select 'Transfer' and type the amount of bells you want to send.
3. Press 'Submit'!
- - - Post Merge - - -
Just to let you know, toy hammers normally go for 50 TBT, but you can pay whatever you feel comfortable with.