Building cryptocurrency wallets into chat systems is a really good idea. I want to be able to share money in the same way and with the same people as we share

Building cryptocurrency wallets into chat systems is a really good idea. I want to be able to share money in the same way and with the same people as we share cat pictures. Eventually, some large corporate controlled chat system will partner with some large old school financial company and provide it in the west, but I would much prefer to have this done by open source software in a way that anyone can review and interact with. Crypto is the only option for this at present.