>> Thats's nice, but so do Square Cash, Venmo, Paypal, etc... and they currently do it cheaper. No they don't. Any one of those services can freeze your money

>> Thats's nice, but so do Square Cash, Venmo, Paypal, etc... and they currently do it cheaper. No they don't. Any one of those services can freeze your money or worse, go into your banking account and reverse transactions. That's not peer-to-peer. There's a centralized governor.