The are two problems with this: 1. You need to have all 4 to reach a significant fraction of the population. 2. They are fake real-time transfers [the app says

The are two problems with this: 1. You need to have all 4 to reach a significant fraction of the population. 2. They are fake real-time transfers [the app says the money has been transferred but it won't actually be delivered for a couple days] instead of actual real-time transfers (which Europe has). This means there are much more susceptible to fraud [you think the sender has sent you the money--so you ship him the goods or whatever--and the next morning or so the money is gone from your account.]