> Look at zelle. That phrase doesn’t mean much to someone outside the US. I looked it up, it’s a thing owned by some US banks (and thus only available to those

> Look at zelle. That phrase doesn’t mean much to someone outside the US. I looked it up, it’s a thing owned by some US banks (and thus only available to those banks customers? That part isn’t clear). Being better than venmo doesn’t mean much either - in other countries interbank transfers are just something you do via your bank - no third party involved.