> For the complete documentation index, see [llms.txt](https://facil-team.gitbook.io/facilpay/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://facil-team.gitbook.io/facilpay/features/chat.md). # Chat FacilPay is more than a wallet. It’s a messaging-first experience where payments and communication live together—securely, instantly, and contextually. Built for both individuals and businesses, FacilPay’s chat layer brings the power of conversation to digital finance. Whether you’re settling up with a friend, sending files to a client, or coordinating DAO contributions, everything happens in one place—smooth, encrypted, and ready to execute. There’s no switching apps. No copy-pasting wallet addresses.\ Just natural conversation—now powered by crypto. #### 🔑 Key Messaging Features * **Real-Time Messaging**\ Chat one-on-one or in groups with real-time delivery, status, and context. * **Message-Driven Payments**\ Tap to pay or request directly inside any chat. Every message can carry value. * **Request & Confirm**\ Seamlessly trigger payments, approve requests, or confirm transactions—all through natural conversation. * **Group & Community Chats**\ Support for group threads and community chat rooms—ideal for families, teams, and DAOs. Role-based permissions, shared ledgers, and token-gated access available. * **Human-to-Business Messaging**\ Users can message crypto-enabled merchants and service providers—send payments, ask questions, or resolve orders, all from one interface. *** #### 🧠 AI-Powered Chat Assistance * **Smart Suggestions**\ Our integrated AI assistant helps you complete payments, correct wallet errors, and optimize transaction paths. * **Conversational Onboarding**\ New to Web3? Just ask. Our AI walks users through features in plain language, step by step. * **Safety Alerts**\ Built-in AI detects potentially risky actions or suspicious links and warns users in real time. *** #### 📞 Integrated Voice, Video & File Transfer * **Encrypted Voice & Video Calls**\ One tap to connect face-to-face—ideal for remote teams, freelance clients, or global communities. * **Secure File Sharing**\ Instantly send images, receipts, QR codes, invoices, and documents—stored securely and seamlessly shared in chat. *** #### 🔒 Built for Trust * **End-to-End Encryption**\ Messages, calls, and files are encrypted—ensuring privacy, compliance, and peace of mind. * **Unified Experience**\ Messaging, payments, calls, and support—all in one app, under one interface. ### --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://facil-team.gitbook.io/facilpay/features/chat.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.