Decent article, but remember this is not the first time Facebook has come up with something like this - Think Facebook Credits. It was, basically, a failed experiment. This time their focus seems to be on the global remittance economy and this system would probably enable users to send money through Whatsapp & Messenger. But don't think this is going to be easy as most non-first world countries (recipients of highest remittances) have a huge money laundering problem & their regulators wouldn't want something like this happening on a massive scale.