You’re right, I misspoke with the term anonymous, it’s actually pseudononymous the same as Lemmy or Reddit are. It’s not like there is a published index of names to wallet addresses.

That’s the point I was making. In Australia, wire transfers through your bank are free, attached to a phone number or email address (rather than account numbers), almost always instantaneous and 24/7.

Not really. Zelle seems to just be US banks implementing the payment and bank-to-bank transfer systems that other countries already have. Except, at least for Australia with our ‘Osko’ system it has the involvement of our Reserve Bank and is mandated to be supported universally, whereas Zelle is completely private. The traditional lack of that bank-to-bank transfer ability is why apps like Venmo and Cash App have been popular in the US, which I think explains why Zelle has had an app until last month, as consumers expect that, even though it’s owned by the major US banks.

Taler on the other hand seems to be “What if crypto but with fiat currency and also the recipients aren’t anonymous”.

Some vaccines actually can work as an effective treatment!

Yeah I mean, rule 1 is that it needs to run Linux, so I don’t think a microcontroller like an ESP or Arduino is going to qualify…

Because lots of people don’t have an insert key?