You don't have to store your whole net worth in it, just use it as a hot wallet. In China you go buy some noodles and you pay via WeChat (a chat app). Facebook

You don't have to store your whole net worth in it, just use it as a hot wallet. In China you go buy some noodles and you pay via WeChat (a chat app). Facebook wants to do the same, you'll be able to split bills/send money via FB/Whatsapp with a couple of clicks.