So does Zelle, and I expect the Fed’s instant payment system going live next year to have it as well based on the public collateral they’ve released around account aliases.

Payments are going to the way of QR codes and existing banking accounts, which is definitely cool that existing cameras and displays (and even QR codes printed on paper) can do the heavy lifting instead of yet another speciality tech and the decades long life cycles of said tech.

only for business related purposes. if it's just for splitting dinner or rent for roommates then it has no effect

I mean, you should provide all sources of income to the IRS. Selling stuff is part of the equation, apart from specified exceptions.