Gemz still allows you to send money directly within instant messaging, free, instantly and limitless, which is more powerful than encryption imo and something whatsapp cant. It will also allow you soon to transfer money through every other social messenger including whatsapp, snapchat, instagram, twitter, facebook, line, wechat, viber, skype, kik and all the others which is even more powerful.
I like the sound of this please explain more regards "soon will allow"