Wechat: In China, users who have provided bank account information may use the app to pay bills, order goods and services, transfer money to other users, and pay in stores if the stores have WeChat payment option.

That means they aren't banking the unbanked, you need an existing bank account in Wechat. I think Facebook's future fees - and forex margins - also matter a lot. We will see the conditions, expenses, administration... And if and how many countries, dictatorships, semi-dictatorships will forbid the use of this coin.