[s17n]

There's no way to do peer to peer direct bank transfers in the US.

Also, in the US, credit card providers accept all liability for fraud, as a consumer there's no way you will ever lose money to credit card fraud.

[maccolgan]

ACH does work, but it's just not accessible via an API and such.

[s17n]

How do you send money via ACH? I've never figured out a way to do it. Unless you're talking about the common "link an account" functionality where you do trial deposits, etc...

[fmajid]

There’s Zelle, but it lacks universal coverage.