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Considering we've had Venmo[1], wallet/gmail[2] and Square Cash[3] since 2013, not really.

[1]: http://bits.blogs.nytimes.com/2012/03/20/after-2-years-in-be...

[2]: http://googlecommerce.blogspot.com/2013/05/send-money-to-fri...

[3]: http://allthingsd.com/20131015/the-money-is-in-the-email/

which of these were a way to send money through a social network's chat client?

SnapCash and SquareCash are one & the same. I think it's a great convenience to add CC to my FB, but since I do not use a real name, do not trust FB, and would be concerned about my account being compromised (though it probably makes you enter a CSC/PIN), I will not be using this any time in the near future.

I personally use SquareCash all the time, and also use PNC bank's complimentary POPmoney setup to transfer funds for free (with PNC, I scheduled a partial rent payment to go to my landlord's bank account automatically every paycheck).

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