In-app chat scams represent a significant yet often overlooked cybersecurity threat within various online platforms where malicious actors aim to extract financial information from users. Common vulnerabilities in chat applications include a lack of end-to-end encryption, inadequate authentication and authorization, and exposure to injection and malware attacks. To combat these threats, robust encryption, secure authentication methods, and stringent input validation are essential. However, out-of-the-box chat solutions often fall short in advanced scam detection, lacking real-time monitoring, effective user reporting, and integration with external data sources. PubNub addresses these shortcomings with advanced tools like Functions and Access Manager, offering real-time message screening, AI integration, and fine-grained access control to protect against scams. Their serverless compute platform, Functions, allows developers to execute custom code for scam detection, while Access Manager provides comprehensive security frameworks for authentication and authorization, offering a proactive approach to maintaining a secure chat environment.