I guess Zelle is the replacement. I've sent thousands to strangers with it with zero problems or fees. I don't like it at all because it is private and in my vi

I guess Zelle is the replacement. I've sent thousands to strangers with it with zero problems or fees. I don't like it at all because it is private and in my view a way for banks to avoid accountability. But also zelle isn't really an option if you are anything bigger than a single person business.