Have you thought about giving the option to link to paypal accounts? Early adopters will not have venmo accounts but will have paypal accounts. You may get mo

Have you thought about giving the option to link to paypal accounts? Early adopters will not have venmo accounts but will have paypal accounts. You may get more new users if you give the option to use funds in the paypal account. The service could at minimum send the user an e-mail with a link to the paypal destination and amount.