That's the thing that's confusing, we already have an acronym for Venmo's model and it's called C2C. C2C also happens to be the model for eBay, Etsy, Craigslis

That's the thing that's confusing, we already have an acronym for Venmo's model and it's called C2C. C2C also happens to be the model for eBay, Etsy, Craigslist, Ali Express, and Amazon Marketplace as well as other payments companies including Paypal, and Zelle. P2P's defining characteristic and what sets it apart from C2C is that it doesn't include a middleman. Think Bitcoin, Napster, and Bittorrent.