e-Chat is a decentralized Multi-Tasking Messenger with multi-cryptocurrency wallet features, allowing users to easily chat and send money in the same app. ECHT is an Ethereum-based ERC20 token used in the e-Chat platform. Payments made using ECHT token can be sent without any commissions. On top of that, the e-Chat wallet provides the opportunity of depositing money in USD and then withdrawing them via VISA and MasterCard.