I have mixed opinion. First being as a part of FB, I have some reservations towards that service. Second and most important one is, there are many people with little technical knowledge using WA. We are hearing PayTM scams (like verification, Aadhar linking, OTP, etc) and our telcos has done nothing to stop them. Even UPI apps are misguided to siphon money from ignorant users (for eg: getting money by name of sending refund/money) Once FB promotes this service with cashbacks and ads, many people will jump on and UPI scams 2.0 will arrive, imho...