The fact that there is a separate service providing instant payments does nothing to disprove my point - being that payments within a chat app is useful, if not

The fact that there is a separate service providing instant payments does nothing to disprove my point - being that payments within a chat app is useful, if not preferred, by millions in China and elsewhere. What exactly is the rationale that makes payments within a chat app 'inferior' or 'unneeded' just because there are separate services available (e.g. Barclays' Pingit)?