People Twitter

Would you accept a crisp high-five?

I don’t want to touch that fake ass poop paper

I've heard of this. It's sponsored by the human fund, is that the one?

paid over Boob

At first I misread it this way, and I was like "ah yes, the world's oldest payment system"

Second time I've heard about taler in two months. A new record. I'd have to look into it again, but I can say is that if it soceeds, I hope it brings gnunet with it (except gns. It sucks and doesn't make sense

Bank transfer wouldn't be instant. A lot of banks incorporate Zelle, so that's kind of the bank's third-party etransfer. Unless your bank is not one of the ones who has it, or you prefer to use CashApp because that's what your friends all use, etc.

My guess is that USAian banks charge stupid fees for any sort of transfer between different banks

Also:

• Car dependency
• Tax filing companies

As an European I never understood what's wrong with Fahrenheit besides no one else using it. Unlike feet/miles/pounds there is no need to convert them to anything else so.. why?

Water freezing/boiling point being 0 and 100 is neat but nowhere near being fucked like American distance units

I do. It's literally the only reason I carry cash around. I'm not comfortable banking on my phone.

The same thing that leads to dealing with all the other kinds of bullshit & enshittification: convenient and free! Just sign here and tell us about yourself!

Honestly though once you're set up it seems like it's pretty simple. I don't actually use any of them, but my wife uses Venmo and Paypal for some stuff. There's a small business that I order my hobby supplies from, and I just ask my wife to send whatever dollar amount to the guy who runs the place when I text him about what I need. He could just invoice me and I could pay like you would on any online store, but this is somebody I've worked with for years so I'm not worried about preemptively sending the money over.

We don't usually work with cash. Most people I know don't carry cash at all, and it's a pain to get, since most paychecks are direct deposit. You've gotta head to an ATM or the bank, or ask for cash at checkout at the store.

I've gotta quit hanging out with ducks.

The US has bank transfers: they're usually either slow as balls (eg, standard ACH settles during business hours in 1–3 business days for ACH credit, 3–5 business days for ACH debit) or cost a fee (eg, wire transfer). Standard real-time payment common in other countries is still uncommon in the US. 20 years ago, I also wondered "why in the electronic age of the developed world is changing some ledgers still this stupid?".

Zelle operates over ACH. It achieves "instant transfers" through banking platform integrations.

nearly every bank in the US uses Zelle which lets you send money to another persons account with no fees, just using their phone number. for some reason people just prefer to use stupid shit like venmo.

I do like that banking apps warn you that your payment might be a scam, but the number one rule I have after 25 years in computers is that nobody reads anything. Ever.

If they've opened that app and it's a scam then they're getting scammed. No amount of scary messages is going to stop that. They think the FBI takes iTunes vouchers ffs.

I accidentally floorped my underwear the other day when I sneezed too hard.

We don’t have IBAN. Worse, we have routing and account numbers that CAN be used for an ACH transfer but many banks are disabling this functionality on personal accounts because people kept falling for scams.

There is, it's called SEPA instant payment, and every single bank uses it. The tiny catch is that you have to be in Europe for it.