[Feld0]

In Canada, we have a debit card network called Interac and can use it to send an "e-Transfer" to anyone else with a Canadian bank account using nothing more than their email address or phone number + a shared secret to claim the payment. Some number of free e-Transfers per month is typically included with bank accounts.

Interac solved the P2P payments problem for every social group that I'm in there.

[aianus]

Interac e-Transfers took 10+ min and cost me $1.50 every time I've used them. They're absolute garbage compared to Venmo.

I actually use Venmo in Canada with friends that have US bank accounts because it's still more convenient even having to calculate the exchange rate.