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But everyone wants to send money or money-equivalents. I use Venmo almost every other day.



But why roll that in to a chat app? Why not use your bank's app (or if you live in a country with a 19th century banking system like the USA, something like Venmo)?


I guess because your chat app is also your contacts management app, even if by accident.


Because I have performed out of band verification for contacts in my chat app.




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