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Do they have a simpler use id like india's upi?(userHandle@bankHandle)

In the demos I watched, There is account number and routing number

Yes, that part is unfortunate. It requires full routing number and account number. Maybe the phone number to account number mapping might be seen as a privacy risk in USA.

Address book and search can help with that. Worked in NZ anyway.

well yes but the addressing scheme we use here is so much simpler. I hope they incorporate it at some point

Hmm, may be biased but don’t feel email address format for bank accounts is a big win. Seems to confuse rather than simplify.

On the other hand routing plus account number is kinda long.

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