> in the US we have very few consumer protections > If you get scammed with a cash-equivalent (like our Zelle Fun fact: shifting a significant chunk of liabil

> in the US we have very few consumer protections > If you get scammed with a cash-equivalent (like our Zelle Fun fact: shifting a significant chunk of liability for fraud away from banks and onto consumers was in fact one of the design goals of Zelle for the banks.