[toomuchtodo]

Zelle is built into most major bank apps. It has its own app, but most people will use it through their bank’s app.

The numbers are sane.

https://news.ycombinator.com/item?id=16240947

[benp84]

So they're calling "finding Zelle already on your phone" a "signup"?

[toomuchtodo]

Not sure. I’d assume it’s intiating a signup in app immediately prior to a transaction commencing.