[zampano]

My friends, coworkers and I use it constantly (nearly daily) for the same stuff we used to use Venmo for: splitting tabs/cabs/etc. It's just a little more convenient in that a new user can be set up without having to download an app (always annoying when cell coverage is spotty) and there is no separate balance to keep track of other than your normal bank balance. I do find it a little too simple to initiate a transfer, but you can add a restriction that forces you to input your debit card's CVC code to actually initiate a transfer.