> irony of your statement on no government involvement. Zelle originated at Bank of America, JP Morgan Chase, and Wells Fargo in 2011. Three of the largest reci

> irony of your statement on no government involvement. Zelle originated at Bank of America, JP Morgan Chase, and Wells Fargo in 2011. Three of the largest recipients of bailout funds after the 2008 financial crisis. So, technically, Zelle wouldn't exist without government involvement. I agree with you Zelle might not exist without government involvement in saving some of the banks involved. That doesn’t mean the government was involved in developing or managing Zelle. That’d be like saying Tesla is government run because it gets a tax break per vehicle. You could argue Tesla wouldn’t exist without it (probably true), but it doesn’t mean government manages anything