Yes, but you asked about scenarios where I am pretty sure the other party has an iDevice. I am not in any way saying that Apple's solution would be superior to

Yes, but you asked about scenarios where I am pretty sure the other party has an iDevice. I am not in any way saying that Apple's solution would be superior to existing solutions. Speaking as a Canadian, I can already use email to transfer money to almost any other Canadian, because our cartel of banks use a common system.