PayKey is fundamentally a bad idea.

You’re not going to convince mainstream users to swap out their default keyboards. Especially when it has nothing to do with typing.

But even if you could, so what?

So you can transfer fiat to another member of your bank without leaving your preferred instant messenger?

Being platform agnostic has little value. Mainstream users just don’t give a shit.

They'll use whatever FB/Apple/Beiber tells them to use, especially if it's already shoved in their face.

PK is a hack to circumvent the big players. It offers nothing but that hack. Which is a major problem.