I mean it sounds like he wants it to be a messaging service that functions as a payment service, and possibly also loans money (according to that Q&A session).

I mean it sounds like he wants it to be a messaging service that functions as a payment service, and possibly also loans money (according to that Q&A session). I have no idea what his vision for the company actually is, it just sounds like his mantra is "anything is on the table at this point, but we need to make money fast".