Good luck to you, but it seems like a case of trying to tackle too much at once with limited synergistic use cases. I can already WhatsApp photos to my friends, Instagram serves a different purpose, and I don't mind logging into Paypal, Venmo, etc. for one-off transactions. I would focus in on a specific problem / synergy opportunity... 3-icons-in-1 doesn't particularly hook me.
Thanks Max for your feedback. We value all feedback especially when it is insightful and well thought through as yours is. We understand your concerns and feel that while it will be hard work to make it successful we truly believe that the future is in multi-functionality platforms that truly make user's lives easier. Having said that we are always open to suggestions.