Remember in the early days of BlueTooth when it was heralded as the wondrous new solution that would interconnect with everything and solve problems of disparate technology and incompatible systems... but, in fact, in the early 00's it was simply a steaming shitpile that never worked and simply frustrated everyone in new and incomprehensible ways?
I'm going on record saying that Zelle is that technology now: touted as a way to send and receive money but I've never known it to work reliably.