The main reason Keychat integrates a wallet is to pay the relay using the ecash sat stamp model.
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Aware that is the use case now, but I think this idea could be expanded upon with what I mentioned. More than just paying the relays. It may not be related to how you want to design wallet usage long term though.
If I wished to develop a bitcoiner / cypherpunk super app like the WeChat of bitcoiners, then I think directly paying other users in such an app could be nice. WeChat already provides it with WeChat Pay, for instance. Signal tried it with MobileCoin but it doesn't go anywhere. A better and more well known cryptocurrency with a better circular economy fits better and Keychat does that very well with lightning.
Just a completely out of range suggestion and idea. I like brainstorming in public.
Correction. Sorry! Rushing my replies:
I am aware you can pay users through messages but I think the wallet should be built more on transacting with users and contacts or even merchants using Nostr as a communication like WeChat Pay is