Messaging App - Concept UX/UI Design

For the past weeks I've been working on a conceptual design for a messaging app. One thing I always find quite annoying from our regular messaging apps is that I can't simply send money to my contacts seamlessly. Going to a café, paying for someone and only sending a message with X amount of money would be so simple, easy and efficient, wouldn't it? Well, I came up with a messaging app that allows exactly that, kinda like iMessages (only this one works, hypothetically, everywhere, not just the USA). What do you people think? 😊