Good explanation, but maybe use Dwolla instead of Venmo (Paypal bought Braintree a few years ago, which had bought Venmo prior to that -- So Venmo is now a subs

Good explanation, but maybe use Dwolla instead of Venmo (Paypal bought Braintree a few years ago, which had bought Venmo prior to that -- So Venmo is now a subsidiary of Paypal).