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Tell me about your payments app experiences (Venmo, Wise, Revolut, Cashapp, Paypal, any others you use)

DM me @newf on Farcaster with a description of your favorite and least favorite parts of the experience. 

I'll reply to the top 15 answers with a beer (8 USDC on Base). Answers with more details and examples will have a better chance of winning. 

Bounty ends 11/11

@bountybot

This is funny. Because  I used Wise a lot to transfer money from Canada to Vietnam. 

Wise is super fast and they got a high exchange rate comparing to others app. Fee is also quite cheap for me (which is like 0.8%/ transaction depending type of method of your paying) comparing to Western Union. All the verification process, sending and receving are also quick (few minutes for set up with Phone + email and bank account), it took around an hour for recipient to receiver in their currency when you send directly entransfer to Wise, and little longer with credit/ debit card.

But for me, the best way to send money internationally is through crypto exchange, which is seemlessly a problem.