For comparison, the new system setup in Australia allow you to send payments using lots of unique identifiers using a registry. So most banks let me link my ban

For comparison, the new system setup in Australia allow you to send payments using lots of unique identifiers using a registry. So most banks let me link my bank account to my mobile phone number with various confirmation steps, and that number is all that is required for someone to send me funds. Email address is similarly possible for people (although I haven't seen a bank that has implemented that yet), and business numbers for businesses.