Canada has Interac e-transfers, which you send to an email or phone number and the user redeems them with their bank. It's a little more friction than tapping a

Canada has Interac e-transfers, which you send to an email or phone number and the user redeems them with their bank. It's a little more friction than tapping a button (you have to set up a pass code for redemption) but it's included with most chequing accounts.