Bank transfers in the US are about to become much better once banks implement FedNow (scheduled to launch in 2023)[1]. You'll have to you use your bank's app bu

Bank transfers in the US are about to become much better once banks implement FedNow (scheduled to launch in 2023)[1]. You'll have to you use your bank's app but it should be possible to send PayPal/Venmo/CashApp-style payments without having to involve third parties in the transaction so all these payment apps and payment features in chat apps are running on borrowed time (unless they can offer some kind of value-add to justify themselves). [1] https://www.frbservices.org/financial-services/fednow/about.html https://www.frbservices.org/financial-services/fednow/about....