Sending money to others in Whatsapp has the following issues To send, you have to have a conversation going on in Whatsapp. That means adding that person to yo

Sending money to others in Whatsapp has the following issues To send, you have to have a conversation going on in Whatsapp. That means adding that person to your contact list. This is problematic because, you deal with many unknown vendors over time. Using whatsapp to send payments would spam your contact list. edit: Also, this is using Unified Payments Interface (UPI). There are a lot of apps that have much better UI/UX & Value adds than WA. I use PayTM, in which, I scan a QR code with the UPI address, do the payment and be done with it. Very simple to use, no issue of confusion / sending money to wrong person, No known privacy issues, etc. Also, It's not like a lot of people want to send money to their friends. Usually, it's business transactions. It could work for off bank micro loans, provided there is an app for tracking and charging interest, etc.