100% agreed. Zelle is somewhat similar to this, but overly complicated + doesn't always settle instantly. I'd love to be able to hand folks a simple string or

100% agreed. Zelle is somewhat similar to this, but overly complicated + doesn't always settle instantly. I'd love to be able to hand folks a simple string or image, and have them able to send funds to me instantly, irrevocably, with no fees, and in a way that they can't pull funds back from my account (cough checks / ach).