[govg]

It exists in the US as well (Zelle), except due to the super high number of banks, not all will have feature parity / have it enabled. The major banks like Chase support QR code scanning for instant transfers, smaller ones might require a phone number or email input via keyboard.

[ianburrell]

It will exist soon in the US since FedPay was rolled out this year. It will take a while for banks to support it, but my guess is everyone will support it as replacement to ACH.

I don't think Venmo will die since there is a need for app to provide nice interface. But Zelle has been lobbying against FedPay since it will destroy them.

[kjkjadksj]

Venmo is probably even more popular than zelle