PayKey, formerly GetGems, enables payments within social network chat. Its solution is independent of the underlying payment technology, including credit cards, wire transfer, or distributed ledger. PayKey's solution fits within any social network including Facebook Messenger, WhatsApp, Twitter, etc. Leveraging existing networks creates simplicity and an intuitive payment experience. Users enjoy minimal transactions fees and instantaneous money transfer. The PayKey social banking and mobile P2P payment solution: A patent-pending mobile payment keyboard that seamlessly integrates with your banking application and lets users complete a transaction without leaving their social application.