this post was submitted on 13 Dec 2023
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So are all PayPal users trans, or just dumb cuz they use proprietary software?
Which open source software can I use to transfer money?
(not crypto)
Why use a third-party at all? It's been trivial to send money via bank transfer for a long time, check your banking app or website and you'll likely find a way to send money with just an account number + sort code. If your country has a system like faster payments the transfer will be near-instant too.
"bank transfer"
Laughs in US.
Banks are proprietary software
Okay? But you presumably do still have an account with a bank or building society, right? So why use a third party when you can request a transfer from them directly?
Not in America! Every bank transfer is a series of hoops that is a pain to jump through which take days to update.
You don't have some system like IBAN allowing you to just send money to whichever bank you want within ome or two days (or in real time but with a fucking fee but that's about to change)?
Not a universal one, no. But there is one that a lot of banks use called Zelle.
Truly, capitalism breeds innovation™