Yes, I have heard of Paypal, it was founded by Elon Musk and Peter Thiel among others. You still have not answered the question: What is Pix? What is Zelle? How do they work?
Please explain.
Your explanation consists of two quotes, one from axios.com and the other from Wikipedia. Not a word in your unique syntax. It is evident that you have no understanding of what you are quoting. Yes I will dance alone.
I know people hate Fiat money but it can be very handy during a recession or depression to hand out cash. Of course so many governments refuse to use it correctly. The US consistently spends 25% more than they take in.
Thomas Sowell: There are no solutions, just trade-offs.