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      "text": "Another example of structured exchange between people and businesses is loyalty programs. We should be able to build the best loyalty programs in the world based on our understand of people's identity and locations.",
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      "text": "Of course, a lot of the nuance of designing business threads is going to come down to important details around how interruptive they can be, what they need to do to get permission to be interruptive, how easily you can mute them.",
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      "text": "In addition to investment of people on our teams and financial resources, we'll also need to dedicate real estate within our app to this promoting interactions with payments.",
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      "text": "To make this really work as a social behavior, we'll need to create a social norm around people being comfortable sending money through messaging. To make this work as a product, we'll need to make it frictionless and cheap.",
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      "text": "value will be relatively minimal. Payments as a primitive is simple to explain but will be very complicated to fully implement. Within a messages thread, anyone should be able to either send money or to request money from anyone else.",
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