"interact fave to face in order to receive & collect money"

what is going over your head here? At what point is this facial recognition required to verify to send and receive money? 

Simple. They do not require facial identification for sending or receiving money. So, what you're saying; it's not making any sense.  

"...or maybe you can and I'm misinformed about hawala"

If your assumption is that you can use g-mail to sign up, as you've suggested, I think it'd be better to hit the books than question me.  

 Okay, I learned that hawaladars don't care *who* redeems their notes for local money at the receiving end.  I thought their notes were more like modern bank checks that could be redeemed only by the named payee.  But I guess hawaladars have a secure secret sharing system!  Interesting that an honor system like that survives so long at the local exit points though 

 exactly. As mentioned, Hawala would operate between two trusted business men, often big traders in international routes.

One person in Arabia could send money via they system to another in Tangier, without any explicit identification, only a key word or phrase. 

The merchants would carry the ledger of debts. 

Basically, zapping channels etc. 

A lot of what we do today is just a reinvention of the old systems.