Sorry, I don't quite get it, so you're basically a messenger provider as well a market and wallet app? Doesn't the term "social marketplace" fits better?
Thanks for your perspective. We want to built it as all-in-one mobile app. Technically and idea-wise it is a massanger with inbuilt marketplace and social interaction., bank and so on. So, yes, you can call it a social marketplace and wont go wrong, but the emphasis is on the mobile format and lifestyle.