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I just paid rent. It was free, through my bank app, and got to my landlord basically instantly. All I needed was my property manager's email address.

I could send money to a friend the same way.

This doesn't sound much different than ACH or PayPal but I assure you it is 1000% nicer.

One of the many things you don't realize living in the US is how much friction is added to basically everything you do to ensure some middleman or service provider can profit off of it.