Use "Transfer" - You note that I've transfered 0.001 SBD to you. So you start a transfer of a sum, any sum but the minimum is 0.001 (probably this is to avoid someone abusing using the system to send spam messages). And when you transfer you can add a "memo". The memo will be in clear unless you prefix it with a #

You can answer my question via encrypted message too, if you want to try. Or do I need to transfer more SBD to earn an answer ? :-D

I was too cheap, right ? I should up the ante ? :-D