These are not scammers. WhatsApp is going to give money to users on credit

The company has already filed an application with the Indian regulator, where it discloses its intentions to “provide money or issue loans on conditions that would be appropriate, with or without protection, to users and other people.”

Be that as it may, the company is limited by law with respect to the banking business. If the service will be launched, then in partnership with some existing bank.

In January, it was reported that in the next six months, WhatsApp Pay will be available not only to all residents of India but also in other countries. The service was available in India for about two years, and by no means everyone, although there were several million testers.