(all following links PB)
This was foretold in some of the news stories listed in Q drop >>5569577 — references to FB wanting to emulate Chinese platform WeChat, which is described like this:
>eChat is a Chinese multi-purpose messaging, social media and mobile payment app developed by Tencent. It was first released in 2011, and by 2018 it was one of the world's largest standalone mobile apps by monthly active users, with over 1 billion monthly active users (902 million daily active users). Described as one of the world's most powerful apps by Forbes, it is also known as China's "app for everything" and a "super app" because of its wide range of functions and platforms. In addition to China, it is also the most popular messaging app in Bhutan.
>In the 2018 Berkshire Hathaway annual shareholders meeting, Charlie Munger identified WeChat as one of the few potential competitors to Visa, Mastercard and American Express.
see >>5569807