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The estimated launch is In discussions with exchanges, Facebook has indicated they plan to launch before the end of It will be at least partially decentralized. By partnering with exchanges, Facebook is signaling that it will not be tightly centralized. In a blog post titled A Privacy-Focused Vision for Social Networking , Mark Zuckerberg announced his intention to move the Internet toward private, secure, encrypted conversations.

How will we achieve all this privacy and security? I think you know. In announcing his intention, Zuckerberg is paving the way for a new type of Facebook payment system, one that is private, secure, and encrypted. Done correctly, it will make Facebook a global player in financial services—and the world economy.

China is miles ahead of the United States when it comes to mobile payments. Like Facebook, WeChat has a huge network of brands and publishers who host their own WeChat pages, and WeChat Pay makes it easy for them to accept payment. As you can see in this video, WeChat Pay lets you can easily buy from retailers and restaurants by scanning a simple QR code.

Imagine if you could easily pay at practically any register, or any website, with your Facebook app not to mention WhatsApp or Instagram, also owned by Facebook. Then payments can truly be private, secure, and encrypted—rather than running through traditional payment rails like Mastercard and Visa. Paying with credit cards online is a hassle.

Each site requires you to re-enter your credit card, you have to manually pull out the credit card to check the three-digit code, you have to update credit cards when they expire, and you have to pay interest if you carry a balance. Diem could be a massive improvement over credit cards by simply attaching to your bank account, transferring your fiat currency into Diem, then making the payment — which the recipient could immediately transfer back into dollars, or keep denominated in Diem.

Using a decentralized currency, you could summon a driver using your Facebook app, then pay him directly, getting rid of both credit cards AND Uber:. This has massive implications, as both you and the driver might elect to keep more of your money in Diem, which is reportedly designed to hold its value against the dollar. China has become an almost cashless society: Alipay and WeChat Pay are so widely used that the Chinese government has to remind merchants that they still have to accept cash.

In a digital age, paper money is pretty terrible. Paper money is dangerous you can get robbed if you carry it around. However, physical money, while it is still legal tender, could be the last vestige of privacy we have. As central banks rapidly move towards their own digital currencies which could give them control over every facet of your financial life. A user-friendly cryptocurrency. The challenge for digital currencies is making them so easy that your grandfather can use them.

Given that your grandfather is pretty much the target Facebook demographic, Diem may open the floodgates of digital currency to grandparents everywhere. A new digital payment standard. A new global economic power. By creating a new Facebook cryptocurrency, Zuckerberg is giving traditional government-owned currencies a run for their money. Which is one of the reasons for the projects continuing delays, as they try to get regulatory approval from the governments they could be disrupting. Who would have thought that Facebook, with all its centralized power, could emerge as the new model of decentralized payments?

Before long, we might be calling him Mark Zuckerblock. Although details have not been confirmed, it is likely that Facebook will use its new currency to enable payments within the Facebook platform. If it is not tethered to the Facebook platform, investors will be able to invest in Diem by buying and trading it on digital exchanges. Value is driven by users.

The blockchain is about people: the more people who use a blockchain, the more valuable it becomes, due to network effects. Facebook is one of the most valuable networks on the planet, giving its currency a potentially massive valuation if it can get enough people using it. If the adoption we have seen of digital assets within Paypal is any guide the adoption curve of Diem could be vertical. Value will likely accrue to Facebook stock. Because Diem is envisioned as a stablecoin e.

In other words, for every dollar invested in Diem, consider a dollar in FB stock. Trading opportunities abound. Trading will be a rich area of opportunity, especially at launch. Paxful is a person-to-person marketplace that supports over payment methods. Introduced in , Facebook Pay , formerly known as Facebook Messenger Pay, is a convenient, seamless, and secure way to pay using the apps that you already use i.

Facebook, Messenger, Instagram, WhatsApp. Before anything happens, you will need to make sure that you have a credit card, debit card or PayPal linked to your account. To receive money all you need to do is have a linked debit card and you will receive money automatically in your bank account. Cons Buyers and sellers are at risk of being scammed. Search the website Hit enter to search or ESC to close.