Instant messengers such as Viber, WhatsApp, Skype, Webchat, Snapchat and so on, guided by a huge audience of users. These users are people of a wide range of populations around the world, as well as of different ages and interests. It is difficult to imagine how elderly people will be surprised by incomprehensible symbols and figures, the poor to resent, parents to swear if their children do not click there, and ordinary users who use these programs for communication, resent some ICO and unnecessary cryptocurrency. In addition, the ICO system is technically difficult to implement. You need to make online integration, monitoring, identification, authentication, additional protection of personal and other data and so on. Developers and ordinary users are not ready for this yet.