So is the money you use in this app xem or is nem just the background technology for sending fiat?
NEM is a platform. XEM powers the platform, without which, the platform does not work. It has always been the push of NEM in the first place, i.e., XEM for transaction fees and the blockchain of NEM for applications.
...yes I know that XEM powers NEM but that was not the question. I asked if the users in the app send xem themselves (like you send 10 000 xem to your friend for something) or if it appears to the users that they for example send dollars (and NEM (XEM) works as just the background technology that powers the app).