The integration of messaging and financial transactions within digital wallets is gaining momentum, as evidenced by recent developments from Family and WhatsApp. Family has introduced a feature allowing users to engage in end-to-end encrypted chats with any wallet address, powered by xmtp_. This update enables users to send text, voice, images, and video messages, customize chats, and conduct crypto transactions directly within conversations. A promotional effort to highlight this functionality involves sending GHO tokens to users for purchasing donuts via direct messages to dmfordonuts.eth, emphasizing the ease of sending instant payments globally for less than $0.01. Meanwhile, WhatsApp is testing chat filters and has introduced updates to improve message sorting and security, including app lock enhancements and the potential to pin important messages and chats.