Zell3 itself does not store any money. It's just an interface, a glue between accounts by supporting banks. Instead of asking the user their bank account numbe

Zell3 itself does not store any money. It's just an interface, a glue between accounts by supporting banks. Instead of asking the user their bank account number, routing number; you simply ask their zelle email or phone number (either of which can be with any bank, no info leaked). You send money. Zelle ask for phone or email of other party, then it shows their registered name in Bold. If one still confirms to send, its on them. Zelle options like check options, imagine if people said Oh my God auto check honor system??