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social/chat based finance seems ripe for fraud to me. Imagine if a facebook worm had access to your finances. How do you overcome this concern?

EDIT: I guess messenger does have it's own payment system too... which seems crazy to me.

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Great point, it's exactly because its the other way around that its completely different. Instead of adding financial features to a social platform, we're adding a chat functionality to an FDIC insured and secured banking platform. Its sounds like the same but from a security stand point -as well as a cognitive one- we believe it makes all the difference.

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