In Canada we use email for person-to-person money transfers. I transfer money to my contacts by email address. They then get an email which informs them they ha

In Canada we use email for person-to-person money transfers. I transfer money to my contacts by email address. They then get an email which informs them they have a pending transfer, and allows them to deposit it into their bank account. You can optionally register your email with the central system for autodeposit.