I could have sworn there was something about being able to hold 2 iPhones together to initiate sharing something with Apple Pay to a friend. That being said, I

I could have sworn there was something about being able to hold 2 iPhones together to initiate sharing something with Apple Pay to a friend. That being said, I use Apple Pay all the time to send money between my partner and me. It is tied to iMessage but since we are always texting anyways it is super convenient. But the convenience may largely be due to already having my payment information as part of Apple Pay to begin with. But it just uses my debit card to send money, it doesn't need access to my bank account.