ZELF is the first Bank of the Metaverse It works seamlessly in Meta (Messenger, WhatsApp), Discord, Telegram, Viber, LINE and WeChat (soon iMessage, SMS). Users get full control over their money from the messenger of their choice. To send and receive money users create an account for free and within 30 sec get a virtual card, delivered to Apple Pay, Google Pay and Samsung Pay. Besides unprecedentedly fast onboarding new clients enjoy AI-powered voice control over all operations with their money (commands like “Show me my balance”, “Create invoice for 50$”, “ask dad for 100$”, “Show me my expenses for November”) or use ergonomic button interface, all without leaving the messenger.