Does anyone want another payment app? Venmo works pretty well, I heard Apple works well, I haven't tried Google. Zelle is sort of a mess. The only payment app I

Does anyone want another payment app? Venmo works pretty well, I heard Apple works well, I haven't tried Google. Zelle is sort of a mess. The only payment app I want uses FedNow; bank app is fine but separate app to manage contacts would work. Does anyone want payment app integrated with messaging app? Meta tried with Facebook and WhatsApp and while people use it, it didn't take over. Those are private messaging, I can't see using it with public messaging like X/Twitter. Nobody I would send money is on X/Twitter. I think WeChat style payments won't work in the US for commerce since the credit card infrastructure is too widespread. Every food cart has a Square terminal. I have used Venmo and QR code for purchases and it is worse than tapping phone.