I believe the system should mimic the email system: - a simple unique identifier. Eg: me@mybank.com, you@yourbank.com - any mail client would do - mail content

I believe the system should mimic the email system: - a simple unique identifier. Eg: me@mybank.com, you@yourbank.com - any mail client would do - mail content (amount and currency details) Paypal does this but: - it is fairly convoluted process now - requires Paypal software (website or app)