"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.