[muninn_]

Ok that makes sense. I work in finance and was wondering about what other countries/companies are doing. Thanks for the info.

One thing that I was thinking about though was about the regulations and scare around security might be hindering development here in the U.S. .

Again, thanks for the info.

[mongol]

Some additional info: your phone number is identifying the transfer target, and is associated with your debit bank account number behind. So you don't have to share anything additional, if your friend or the buyer has your phone number he can initiate a transaction.