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This is a good update, than you for the resources. One only point to add to your last one: Revolut, already very popular in Europe, is also present in USA now. QR codes are already supported, as well as instant phone to phone payments with either phone number, name alias (uniqueID).

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But that's only within Revolut, which is a very small fintech compared to the aggregate of commercial US banks. Why would I use Revolut when I can use a US bank that supports Zelle today, or any US bank that will support Instant Payments in 18 months?

Also, Wise today supports cross border P2P payments and are a more reputable firm than Revolut. I would recommend Wise over Revolut if someone was looking for such a feature.

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