This document explains how to send and receive encrypted Zcash transaction memos using zcash-cli
(the RPC interface).
The not-so-user-friendly aspect of the RPC interface is that the memos are in hexadecimal string format. (The various
wallets, such as Zecwallet and ZECC wallet, hid this detail from their users.)
So to send as ascii text string as a memo requires first converting the string to hex, and to read the memo later
as a text string requires converting from hex back to a string.
The following two tools will be handy.