Facebook tried this with games and cash transfer within Messenger but it never really took off.
Personally, I don’t think Western (or at least American) consumers are all that interested in a super app. Asia has a ton of players in this space like WeChat, QQ, Line and Kaokao but those have never taken off in the West outside of diaspora communities.
Tim Hortons had gift and loyalty cards ("every 7th coffee free"). Then they introduced an app with "rewards" as an alternative to loyalty and gift cards. Then the app turned into a bank. Then they stopped the physical loyalty cards. Now you can't "earn" free coffee without giving them your personal information and signing up for the bank of Tim Hortons. It's ok though. I stopped being a customer because of it.
Facebook’s attempt didn’t work out because they lost the youth market to Snapchat, TikTok, Discord and Instagram(It’s funny, I know). They tried to bring in Instagram users into Facebook but that didn’t(hasn’t) work out yet.
I mean even the old people barely play Facebook games or use Messenger money transfer. Western consumers just tend to trust product specialists rather than an all in one app.
Personally, I don’t think Western (or at least American) consumers are all that interested in a super app. Asia has a ton of players in this space like WeChat, QQ, Line and Kaokao but those have never taken off in the West outside of diaspora communities.