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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