Memo key is the least important in the hierarchy of keys. It's used to sign and encrypt "memos" (messages). To send an encrypted message you start a 0.001 transfer and in the "memo" field you precede your text with a hash key: #. This will instruct the software to encrypt the message with the public memo key of the destinatary
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Wow, enrcipted messages? 😮
I don't even know where to start with that? Messages, between users or just strictly when making a transfer?
Sorry I ask so many questions. This is a whole new world to me!