Well, if Signal had adopted an established public blockchain for in-chat payments then, I can assure you, it would of easily became my go-to mobile wallet. But in it's current state with it's own coin, I couldn't care less. Signal argued that no existing coin met their UX expectations, though I profusely disagree on that.

What many people miss is that money is something you earn, spend and save. It has to be all three, not just something you HODL. And then there's the fourth and most important function of money.. money is social. I can pay my cousinr, who can pay his neighbor, who can pay the baker. It's the social aspect that gave bitcoin escape velocity.

Well, chat is social and the perfect rail for payments. No leaving the chat, just tap to pay directly within the chat, whether that's one to one or a family chat room.

But alas, there is this smell of compliance coming through and it's not good. You can't truly innovate in such an environment, rules are for breaking.

Psying service to regulators is ultimately going to push me away.