I’d like to iterate: I have some problems what it actually is?

What I understood: one can establish a chat group for people / community where they use their own minted tokens plus stablecoins and chat with one another.

nostr:npub1kp7jzme0qs3wcqjjmkq6v5fm359sclhc22glhadgtmerlr0h37nsn8487l is this an accurate simplification of nostr:npub1uq70uqgas9pyhds2zt57kr9se8rg3s68ztphjnq82ts8rzeknmeql7u0c2 ?