Now You Send Payments Through Twitter

There's a middle ground in Chirpify, which allows users to send money via Twitter more discreetly. As Chirpify describes it, the service "allows you to pay a friend by mentioning them directly. This way, the payment won't fill up your followers' timelines."

With Dwolla and Chirpify, sending cash in short Twitter bursts is the latest breakthrough social media breakthrough -- and the latest shot at banks and credit card companies.