The chats are the messaging feature of Instantgo. Using the chats, you can easily text someone and receive an answer back, request for services, arrange for the payment of products and so much more.
The important difference between Instantgo chats and some other messaging applications is that it is where you control all your interactions with other users. Clicking on the $ sign in a chat window allows to request for a payment, rate a user or enable/disable various contact methods (e.g. video call). You can set the price you want to charge for a product or a particular service at anytime during a conversation or create products and services on your profile so other people know how much it would cost them to contact you on the app.