To use this application you only need to have Telegram installed. Once downloaded you can send and receive money by Telegram without installing anything else. Accepted currencies are (EUR, USD, Bitcoin and many more)
Currently it is in Beta phase but it already has the following features: move balance between different accounts, send money to a HalCash ATM, ask for balance from other people, pay ...
You can move the money where you want without commissions in a fast and simple way. The best thing about this wallet integrated into Telegram is that it simplifies everything, as if you were chatting, that's as simple as that. I leave a video of the company that explains it.