India could be a good model here. Basically, the likes of Venmo/Zelle have replaced everything. They are not allowed to charge a transaction fee (I’m pretty sur

India could be a good model here. Basically, the likes of Venmo/Zelle have replaced everything. They are not allowed to charge a transaction fee (I’m pretty sure…and if they are, it’s set very low), and they are required to work across platforms (so a Venmo user should be able to pay a Zelle user directly without having to download Zelle).